vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: SC

Complaint narrative:
SN Servicing Corporation purchased my loan located at XXXX XXXX XXXX XXXX CA XXXX Back on XX/XX/2019 I received notice of foreclosure by mail and then my attorney was alerted. Once appearing in court with counsel it was proven Service Corporation had not logged all payments that are sent by my bank monthly. The payments had to be traced and later applied to my account. that were missing from my mortgage account. Once showing proof of payment to the judge and sharing hardships revamping from the bankruptcy the case was dismissed. After dismissal I noticed an attorney fee of {$1200.00} and legal expense recovery of XXXX on my billing statement. Due to Service Corporation negligence that would make me as the consumer not responsible for those additional fees and I request those fees be removed from my account. Moving forward I have attempted several times to make contact with my account manager XXXX XXXX and she does not respond to emails, calls, or customer rep messages. To make matters worse the amounts are appearing as amount due under the mortgage which appears I carry over a mortgage balance every month. I also have bought to Service Corporation attention that I have been getting late fees for years and I pay on time monthly before the XXXX of every month. I am owed a refund however when trying to address the issue I get no response by phone, email, or mail. My due date is the XXXX of every month and adjusts automatically through my bank if the payment falls on a holiday. I have paid my mortgage by autopay for many years to keep account of all bills paid. At this time, I see a XXXX late fees in which I am never late. For the last few months I've received interest increases that are unexplained due to the terms of my original loan. This is a predatory act and I would like assistance with resolution. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GLOBAL SOLUTION BIZ LLC.
State: SC

Complaint narrative:
Global Solutions repeated calls and does not state who they are and continues to call on multiple lines even on family members lines that have nothing to do with this loan. They are very abusive when they call and no written statement from them has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I requested a balance balance transfer from a credit card I have with my bank back in XX/XX/XXXX to another XXXX to pay off the balance. I had been watching and waiting for the payment to post to the XXXX card for about a month. Calling and checking online to both the bank credit card and the other XXXX card. The bank credit card reps were telling me it could take up to 14 business days to mail out the check. Nothing had posted to the XXXX as of mid XXXX. I let my bank credit card know and ask them to start the process of a refund to my credit card. That is when they found out the check had been cashed on XX/XX/XXXX. I was told by the bank rep the check was cash by the XXXX XXXX and to reach out to them. So I did and they requested a copy of the check, which I provided to them and they did their investigation. I have now received a letter back from the XXXX company stating the check was cashed by another company, and that is way it was not posted to my account. I reached back out to my bank to see what the next step is. 
You can clearly see on the check that was sent to the XXXX company, my name, address, part of an account number and the Bank ( company ) it was made out to. The endorsement on the back of the check is not that company. 
It is my understanding that you are not allowed to cash a check that is not made out to you. It looks like they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I've counted over the last 7 days they citibank has called me 24 times in the last 7 days, I'm sure they know the laws but like normal refuse to follow them. I have screen shots of my call log as proof.

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 2023-05-25 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: TX

Complaint narrative:
Good Morning, I am writing because I had a car financed through XXXX XXXX XXXX in XXXX. This car was placed as a charge off, several years ago. I have disputed this numerous times, because the car was sold at an auction. When I contacted XXXX in XXXX, they let me know that the car would be falling off of my credit in XX/XX/XXXX. I asked them to clarify the balance, since the car was sold at an auction. They stated that the car was located at the police station, when I told them to come get the vehicle back in XXXX. They stated that the car was found at the police station, and they had no interest in the vehicle so they just left it there for the police to auction off and sale. Which is fine, but why am I still being charged the full balance and why is it still on my credit report? Can you please get them to take it off, because it has surpassed the time frame? It say they havent even reported since XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: AR

Complaint narrative:
I am writing to dispute the payment history information that appears on my credit report from XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) XXXX5 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my 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 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Issue : On XX/XX/XXXX, a cashiers check that I purchased from Wells Fargo in the amount of {$5700.00} was stolen and cashed. For the past nine months, Wells Fargo has been avoiding reimbursing me for the amount stolen. 

History : XX/XX/XXXX : Claim opened for check fraud. I was told that the full amount of {$5700.00} would be deposited back to my account within 10 business days. CLAIM # XXXX XX/XX/XXXX : Claim closed by Wells Fargo without notice. 

XX/XX/XXXX : I contacted Wells Fargo to get an update on the above-referenced claim ; I had to ask that they open a new claim to investigate this issue. CLAIM # XXXX XX/XX/XXXX : Received a letter dated XXXX from Wells Fargo stating that they closed the claim. The issue of check fraud was not addressed. 

XX/XX/XXXX : Mailed a Wells Fargo form that I retrieved from online in order to get assistance with this matter. On this same date, I mailed a complaint to the New York State Department of Financial Services. 

XX/XX/XXXX : Visited a Wells Fargo branch to have a banker help me with this issue ( Note : This was the third time I visited a branch to get assistance with this issue ). I was told that the {$5700.00} would be deposited into my account within 10 days. CLAIM # XXXX. 

XX/XX/XXXX : Received a letter dated XXXX from Wells Fargo outlining the history of this case but not resolving the case. Note : Wells Fargo never called me on XX/XX/XXXX, and they did reopen a claim for this issue on XX/XX/XXXX ( CLAIM # XXXX ), as stated in this outline. 

XX/XX/XXXX : Received two letters dated XXXX from Wells Fargo to : complete another affidavit within 20 days ( new affidavit was mailed on XX/XX/XXXX ) and to inform me of their attempt to contact me ( which is not true ) and that they closed the case. 

XX/XX/XXXX : Received a letter from Wells Fargo stating that they are working to obtain a refund from the bank that accepted the deposit. 

XX/XX/XXXX : Received a letter from Wells Fargo dated XXXX stating that they need to complete another Affidavit of Check Fraud in order to proceed. 

**As of today, I have not received the reimbursement for the stolen check. **

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 monetary relief
Consumer complaint received 2023-05-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I XXXX XXXX sent a letter saying there are wrong, unknown items, FCRA violating, and damaging things on my credit report. It has been well over 30 days later I have not received a response yet even though I have called and mailed reported documents. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been well over 30 days and every proof needed to sustain deletion has been provided so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
With Lightstream, I initially applied for a car loan, I initially received approval for an auto loan, and a new account was created with my name, address, and social security number. I provided my banking information and signed the loan agreements in order for the loan to be funded. My bank returned the money because there was an issue with the funds transfer. When I called Lightstream to double-check my information, a customer service agent informed me that Lightstream had changed its mind about the application for which they had previously given its approval. I inquire as to why they changed their decision, and she replies that she is unable to answer that question. I received a notice of an adverse action from Lightstream, and they informed me that they were unable to prove my identification. The loan department at Lightstream checked my identity by pulling my XXXX credit report, asking my employer for paystubs, which I provided, asking for my most recent XXXX  XXXX XXXX banking statement, asking for a copy of my government-issued driver 's license, and finally approving the loan after they had received all of my required documentation. According to the Lightstream website, I believed that when my credit report was obtained, my identification was confirmed, and I received an approval, I would then be funded. However, it did not occur, and the justification Lightstream gave for refusing to give me credit was untrue. If you never meant to give me credit in the first place, then there was no justifiable reason for you to retrieve my XXXX report, 15 U.S. Code 1681b - Permissible purposes of consumer reports, and you should request that the inquiry you made be removed off my XXXX credit report. Additionally, the loan information on Lightstream is deceptive and 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 2023-05-25 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: PNC Bank N.A.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below by companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I notified XXXX, XXXX, and XXXX that a reinvestigation is needed for these accounts. XXXX XXXX, PNC, XXXX, XXXX. 
15 USC 1681 604 A section and 15 USC 1681 section 602 A. 15 USC 1681 C. 15 USC 1680 I Charge off account reporting balance and payment. Reporting balance and Repossession. Illegal activity. XXXX reported late payments when account was under deferred status by Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: MI

Complaint narrative:
I contacted transunion and sent all documents they required to remove hard inquiries that I do not recognize and not mine. I sent an FTC report by mail I sent police report by mail I also faxed and I have sent my documents to them already and called all companies and sent proof to transunion and neither companies neither transunion removed inquiries that I did not authorized neither done by me. I have called them and they said they cant find mail and also they said that I have to send them letter again and always is the same when they should remove all inquiries that are not mine. Here are the inquiries not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I need transunion to remove inmediatly Innacurate information all those inquiries are fraudulently put in there by transunion and need them removed. Also please do not authorized any company neither transunion to place any fraud alert or freeze without my consent. Please do not place any alerts or anything without my authorization.

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 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On or abut XX/XX/2023 a Cashiers check XXXX XXXX was distributed to XXXX XXXX  for the payment of services. 

The business of XXXX XXXX XXXX deposited the cashiers check in Wells Fargo Bank XXXX 

Wells Fargo Bank received the funds from XXXX XXXX XXXX. However, the 'Wells Fargo Bank XXXX with held the funds from XXXX XXXX XXXX My transaction could not be completed. The Wells Fargo Bank violated 12 CFR 229. I request sanctions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va 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 2023-05-25 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2023, I report a transactions that I had not initiated, that is fraudulent charges. On XX/XX/XXXX, I received an email from Chase indicating that they have cancelled that credit card and initiated a fraud charge. Soon, I received a new card, chase credited back the fraud charges, and the account now stands at XXXX. However, for unknown reasons, Chase continue to intermittently to report this claim, and it's negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have previous addresses that are not mine and wrong current addresse also unauthorized inquiries and 2 accounts with wrong status of account like a late payment and charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: WA

Complaint narrative:
I have been constantly calling the XXXX number for transUnion to be able to talk with a live agent to address my issues and I am not getting anywhere. I am doing all the right things and when I think Im going to get to talk to a live person it hangs up on me every single time this is been very frustrating. They should be answering the phones and dealing with their customers just like XXXX and XXXX does, I would really appreciate if this gets addressed ASAP. My Trans Union credit report needs to be updated. They have nothing but information that does not apply to me. I have been trying to update it and can not get anyone. 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
Consumer complaint received 2023-05-25 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Transunion and XXXX to reinvestigate these accounts : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However they stated everything was complete and accurate if the open date, date of last activity, charge offs reporting as ok and much more. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting accurately.

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

1581 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. 

1581 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 items of information other than the records of convictions of crimes with antedates the report by seven years.

1581 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 non-monetary relief
Consumer complaint received 2023-05-25 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: NC

Complaint narrative:
This complaint is for EQUIFAX, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc dated XXXX XXXX. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Credit card account ( XXXX ) account information detailed in XXXX XXXX is not being updated accurately. The account was updated on XX/XX/2023 as current. However, the Payment History does not display with a green check mark for the month of XXXX even though the account has supposedly been updated. By not getting the Payment History updated, I am not getting the increase in my credit score.

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 2023-05-25 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: KY

Complaint narrative:
There is a collection account on my XXXX, EXPERIAN, & XXXX credit reports that I didn't recognize. I disputed it with the collection agency, requesting proof of debt validation. They provided a statement that is addressed to a business with my name and the business 's address displayed below my name. This is clearly a business debt, however, this debt is reported on my personal credit reports, reporting to all 3 credit major consumer credit reporting bureaus. I sent the statement provided to the 3 major credit reporting agencies and they agreed that the debt is validated which it is not. The statement provided is showing no transaction history, only interest reported, for a short period of XXXX. I did not authorize this debt to be reported on my personal consumer credit reports. I will like this debt permanently removed.

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