vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXreatment of inaccurate or unverifiable information. 
If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting. 

Promptly delete that item of the information from the file of the consumer, or modify the that item of information, as appropriate based on the results of the reinvestigation.

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 2023-02-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are several inquiries on my credit report that I did but give authorization to nor was I aware of. 
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 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 2023-02-09 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Aspen Yo LLC
State: FL

Complaint narrative:
Back in XX/XX/XXXX, my home mortgage company was XXXX and I was in a temporary forbearance during XXXX XXXX crisis. In XX/XX/XXXX my forbearance came to a end and I received a letter that Gregory Funding LLC took over my loan from XXXX. During this time I reestablish a home modification with Gregory Funding LLC with the understanding I would need to start paying out of pocket home owners Insurance that it would not be included in my mortgage payment XX/XX/XXXX. Furthermore from the start of my loan in XXXX till today, XX/XX/XXXX, over 1 year of on time early payments, plus even setting up auto pay monthly, Gregory Funding LLC has not XXXX TIME reported my credit to any of the XXXX credit bureaus. My credit score plays a important role in my life as I am reaching age XXXX in XXXX. I need this to help me while on Social Security, car repairs, medical test my medical insurance doesn't cover, living expenses and so on ect. I think you get the picture. Credit is a valuable tool in ALL peoples life. I would greatly appreciate it if Gregory Funding would take the time to help a loyal on time customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am closing my account with Wells Fargo remotely from the XXXX as I am no longer in the XXXX. 
To do this I filled in their Account Closure form which was notorised and apostilled and tracked mailed to XXXX which they received XX/XX/XXXX. 
Having heard nothing I phoned on XX/XX/XXXX XXXX minutes, XX/XX/XXXX minutes, XX/XX/XXXX again XXXX, XX/XX/XXXX mins, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. 
All these calls I was put on hold and sometimes I got a customer services receptionist who said it I had to get through to the Exception Payments department. I spoke to them twice and they said they were very busy but the last call was the one where I was told that as I hadnt given the IBAN or SWIFT XXXX that was what was causing the hold up. No one asked for that in any calls prior. 
They got the information on that call ( XX/XX/XXXX ) and said that as they were very busy it would take another 2 weeks or so when they would call me in accordance with XXXX regulations. 
Having heard nothing since, I appeal for your 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 2023-02-09 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$15000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2800.00} ), XXXX XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX - XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$9100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXXXXXX XXXX XXXXXXXX XXXX XXXX Opened :, Balance : {$0.00} ), XXXX - XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On Experian web site has incomplete information on credit reports. XXXX  score is unscoreable. XXXX and XXXX my reporting scores are listed on they web sites of XXXX and XXXX. So I upgraded on Experian website for Experian Premium so all 3 reports will be added to show credit history and XXXX XXXX listed on XXXX and XXXX, thinking maybe my score will be updated to correct information. As of today XXXX  score XXXX is still stating unscoreable for all three major credit reporting systems even though I have scores on XXXX and XXXX. I have applied for a car loan with XXXX XXXX XXXX the salesman stated I dont have a credit score. Ive been in contact with the all but to no avail on getting my FICO score corrected.

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 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: SC

Complaint narrative:
XXXX, 2022 I received an alert about an collection account from NTL Recovery Agency, I've called and spoken with NTL and explained to them that this account has been resolved with another agency, NTL Recovery Agency refuses to remove this collection off my report, this is unacceptable and Unprofessional.

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 2023-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NC

Complaint narrative:
Yes I have worked in public service for over 10 years, submitting paperwork last year in XXXX. I have been either deferred or forbearance status for XXXX years with no knowledge from the stdt loan center that i could have this work counted towards my balance which has since ballooned from XXXX to XXXX. This is pure fraud on the dept of education. I applied as mentioned before for pslf and to this date they gave me no relief for my service in the public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Several checks were stolen from the post office. because I pay my bills twice a month there were approximately seven of mine taken, they were than either washed or deposited directly into a bank ( other than mine ) Chase bank is aware of the situation and reimbursed me for all but one. This check is in excess of {$4000.00} dollars and has yet to be remimbursed to me. allthe others have. This particular check is obvious fraud due to the fact that it remained payable to Chase mortgage and signed by an illegible individual. Chase is now saying that the bank ( I believe is XXXX XXXX  XXXX ) is dragging their feet therefore Chase is refusing to reimburse me. I am filing this complaint due to receiving a letter from Chase that they have put a timeline on this situation and if the other bank does not pay them I am out of luck and, to be exact {$4300.00} of luck and they will close the issue. I believe that it is such an obvious fraud that Chase should reimburse me and go after the other bank to be reimbursed to reimburse them, maybe then they will push a little harder if they are ones losing the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the fair act reporting act XXXX  account # XXXX. Has violated my rights. 

15 USC 1881 section 602 state I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also Stares a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I file a late payment dispute online on XX/XX/ with XXXX  on VYSTAR CREDIT UNION credit card. I found late payment on my credit report, but according to law. I am a consumer and therefore they can not be putting negative statement on my consumer report. 15 U.S. Code 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is against the law for XXXX XXXX XXXX to be reporting late payment on my consumer report. I ask them to please remove the late payment information from my consumer report. This is hurting my report. This is causing me to deny of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
All I am trying to do is unfreeze credit so I can let purchase rural internet service. They need to do credit check. Can not get to Experian by phone as when I enter information to prove identity, they say information isn't correct and it won't let me get to representative to fix issue. When I try and sign-in on line just more of the same. Says my XXXX XXXX  and birthday don't match, so once again I can't get into system. Have emailed XXXX  times now and keep getting back the same instructions on how to sign-in and reset password and username, but can't do any of that because I can't sign-in and it keeps telling me my personal information is wrong. Like I don't know my own birthday and XXXXXXXX XXXX. Can not get to human being by phone or online. XXXX XXXX XXXX  " Your Experian team '' says they can't make an outgoing call to me or give me a number to call them that bypasses their phone matrix. Experian is holding my credit XXXX and says their isn't anything they can do to help when the problem is obviously corrupted files on their end. I know my birthday and XXXX XXXX Please help.

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 2023-02-09 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: V and H Portfolio
State: TX

Complaint narrative:
I sent a letter last month to Vance & Huffman LLC regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company Vance and Huffman a right to ignore my requests. I sent a letter XXXX  asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also wasn't provided with a license in the state of TX permitting them to collect any debt from me. I also asked for validation but was not provided that information. There are many FDCPA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have an outstanding balance on my mortgage and with the XXXX  association of my home. There was an auction scheduled on my home prepared by the XXXX association for XX/XX/2023. I currently have an application with XXXX program filed a month ago thats been in expedited status and is under pre-approval. XXXX requested records information on the loan to complete and finalize processing. XXXX also reached out to the servicer to request postponing the auction due to my application was in place and steps away from being funded. The servicer has not responded yet and my home was auctioned off to a gentleman on the XXXX. The gentleman is willing to omp-out of the bid he made on my home but funds needs to be received. XXXX is only waiting on the response from the servicer with the records they requested to release the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 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: VA

Complaint narrative:
I have sent XXXX packets via certified mail to Equifax on XXXX XXXX  and again on XX/XX/XXXX which contained proof of identity, a police report, FTC report, notarized identity theft affidavit, an XXXX report XXXX copy of my credit report with the fraudulent information, and a copy of the Fair Credit Reporting Act Section 605B which states the laws they have to obey and my rights as a consumer. 

Equifax is treating this case as a dispute. I did not initiate a dispute or investigation/reinvestigation with these accounts. I submitted a request to block this fraudulent information according to the Fair Credit Reporting Act Section 605B. 

Equifax is in clear violation of the law and this is my last time I will consider settling this matter if it is not taken care of I will contact an attorney and sue Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX  for {$14000.00}. Total loan amount financed {$25000.00}. I also paid {$1400.00} for a 2 year or XXXX miles extended warranty. Car was financed through Credit Acceptance Corporation for XXXX interest for 60 months. Car developed air conditioning problems within 2 weeks. Took to dealer who made me pay {$600.00} to have fixed. Two months later car stopped on a major highway and had it towed back to dealer to fix the problem under the extended warranty. Car stayed at dealer not fixed. We called extended warranty company who said that dealer would not provide information they requested. Car has been at the dealer not repaired since XX/XX/XXXX. Dealer advised me last week that it will cost {$11000.00} to put in a new motor and make repairs. I wrote to Credit Acceptance and told them about the car not running for months and that I would not pay for a car I could not drive and that the dealer refused to fix. I stopped making payments. I cancelled the insurance on the car. I told Credit Acceptance that I was surrendering the car and asked them to cancel the loan because I did not get what I bargained for. Credit Acceptance told me I had to pay for the car. I again notified Credit Acceptance on XX/XX/XXXX that I was surrendering the car back to them. I will not be forced to pay for a junk car, almost 23 percent interest for 60 months and the car has been broken down and undriveable since XX/XX/XXXX. The dealer refuses to fix under my extended warranty.

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 2023-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
this is regard to the wells fargo class action lawsuit for wrongful mortgage practices in which i lost my home 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 explanation
Consumer complaint received 2023-02-09 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My XXXX card was hacked XXXX. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my XXXX account, XXXX account, After pay account, XXXX account, XXXX XXXX account, XXXX XXXX account and credit card, Synchrony credit card. Its still going on because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also using my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. My balance needs to be resolved and turn back to {$0.00} I did not make almost {$3000.00} in purchases. This is going to effect me from buying a home. This needs to be taken serious and when I call in to speak to your agents they are extremely rude and give me a hard time like Im lying I been with Synchorny for awhile now I dont deserve to be treated this way. This needs to be investigated and find out who do this. Thank you.

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