vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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: TX

Complaint narrative:
XXXX XXXX is reporting 30 days late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Federal law states that late payments can not be reported until at least 30 days past due date. I contacted XXXXXXXX XXXX to confirm full payments were made before the 30 days for each incorrect reporting, dates listed below. XXXXXXXX XXXX refused to correct this error. 

XX/XX/XXXX due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/2022, LoanCare, XXXX XXXX XXXX made me aware that my loan modification/loss mitigation package was incomplete vial postal mail. I turned in XXXX new modification packages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022, to attempt to correct this issue. ( I have certified mail receipt numbers as evidence of these XXXX loss mitigation packages ). I kept sending new loss mitigation packages because they would not respond to me to let me know if it was incomplete, approved, or denied. Instead, I received their lawsuit XX/XX/2022, against me. 

The evidence attached is ALL the postal correspondence I have had with LoanCare and XXXX XXXX ; None of these correspondences was replied to including the Loan Modification Applications/ Loss Mitigation packages sent on XX/XX/XXXX and XX/XX/XXXX. 

( The other correspondence included is a part of a separate complaint, in which the mortgage company and the representing attorney have not responded to requests for loan information that should be provided according to TILA, RESPA and FDCPA statues. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi! My Experian credit score is XXXX, there is an account names XXXX XXXX XXXX, it states that there is an auto loan with a reported balance of XXXX, last reported XX/XX/XXXX, that it was taken out on XXXX, XXXX, XXXX, five years ago and one month. I do not know how this is on my credit report, I di have never taken out a loan, and to be quite frank, I do not know how to take one out, as I have yet to return to work after leaving for XXXX XXXX I called Experian and disputed this account multiple times, I have also been included the class action suite against Experian from XXXX Data Breach, so that can be where it may have came from, but again I did not, and have not, taken out probably a XXXX loan out, the account also says its highest balance was XXXX, so I can assume it was a loan for a XXXX used vehicle. All of the information that I have is what I see on XXXX XXXX. Experian will not remove it, per the supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is a collections on my report that I DO NOT OWE and have no knowledge of that I would like removed off my credit report. Both XXXX  and XXXX have removed for some reason experian has not. It says i have 1 collection owed XXXX XXXX XXXX XXXX}. Which i do not owe this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: FL

Complaint narrative:
CFPB, XXXX, XXXX, Equifax, This is a brand new complaint as I just received a brand new letter on XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CFPB complaint # XXXX As per the letter attached to this CFPB complaint by XXXX XXXX XXXX XXXX XXXX XXXX ) please remove the below collection account from my credit reports immediately : Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX Attached to this complaint are : - My drivers license - My social security card - My current address - My letter to have this removed - The letter from the creditor, XXXX XXXX XXXX XXXX Please have this handled as soon as possible as this is affecting my credit and I am buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I submitted a claim with CFPB on XX/XX/2022, and the Complaint ID is XXXX. The JPMorgan Chase Bank had responded to my complaint on XX/XX/2022 with its official letter. However, the result did not fix the issue, and the bank itself had also violated the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The JPMorgan Chase Bank accused that the Digital Service Agreement explains if I permit any other person access to the Digital Platform and my personal information, I am responsible for any transactions or activities performed. I am absolutely sure that I did not allow that person to initiate the transfer. I was tricked by a group of criminal because after he returned my phone, he suddenly got in the XXXX car that was waiting outside. The transaction was not authorised since my phone was obtained through fraud, but the bank still insisted not to reimburse the transaction even though I am under protection of the law. Private network rules and other commercial agreements may provide for interbank finality and irrevocability, they do not reduce consumer protections against liability for unauthorized EFTs afforded by the EFT Act. See 15 USC 1693g ( e ). This is the point that the JPMorgan Chase Bank should consider about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
I submitted a debt disclosure statement to PennyMac in reference to validate a loan. They responded back with not validating the debt per the Truth in Lending Act at 1-5 U.S.C. 1601-1667f and 15 USC 1692 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/22, XXXX XXXX added a derogatory mark on my credit report for {$170.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this account and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with ( XXXX XXXX  ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! 15 U.S.C. 1681c-2- Block of information resulting from identity theft. 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand this inaccurate account to be removed and deleted from my credit report immediately or I will file for litigation and report you to the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT!!! 

In accordance with the Fair CreditC Reporting Act XXXX XXXX XXXX XXXX Commonwealth Financial has violated my rights. 

15 U.S.C 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered that my rent check that I had mailed had been stolen and deposited by someone who was not my landlord. I still have no idea how this was able to happen. I immediately called Wells Fargo to submit a claim. A few days later I went in person to open a new account and close my old account. I was told after I opened the new account to make sure that no other deposits/transactions were made in the old account, and to then call Wells Fargo afterward to close it. I did that, but then fake checks began to be deposited from my account. The person who had stolen the initial check must have used my account and routing numbers to start creating fake checks to cash and deposit. This caused my account, which I was trying to close, to be over-drafted. I had to call and submit a claim and was told that a hold had been placed on my account. Despite this hold, and despite me asking to close the account, the account stayed active and fake checks continued to be deposited and cashed. 

I was then told different things about my account ; because there were still pending actions from the fake checks it couldn't be closed, that I would have to go in person and that a manager could remove the hold and then immediately close it, etc. Even in person, no one has been able to close the account for me and I've now been told that I have to wait the 7-10 business days it takes to close it. In the meantime, as has already been shown, this person will continue to deposit these fake checks, overdrafting my account. Another part of the problem is that I did receive credits for some of the stolen checks, but they placed them in my old account, thus opening it back up and allowing another fake check to be posted. When I went in person the first time to open the new account, I clearly should have already removed all of my money from the old account and had them close it immediately. I desperately wish I had just stayed at Wells Fargo until all changes were made so that they could close it for me on the spot. I was not advised to do that and instead, this process keeps being drawn out and my account still isn't closed. 

Another issue I have had is that Wells Fargo does not have appropriate emergency hours for customers on the XXXX XXXX. Unfortunately these fake checks have been deposited and cashed at night. Each time I've called they've made it clear that the fraud department is closed due to XXXX XXXX hours, and I have to call back during their business hours. Even though it is a national bank, XXXX XXXX are essentially penalized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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:
CFPB, XXXX, Experian, XXXX, This is a brand new complaint as I just received a brand new letter on XX/XX/2022 from XXXX XXXX XXXX XXXX ( XXXX ) - CFPB complaint # XXXX As per the letter attached to this CFPB complaint by XXXX XXXX XXXX XXXX XXXX XXXX ) please remove the below collection account from my credit reports immediately : Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX Attached to this complaint are : - My drivers license - My social security card - My current address - My letter to have this removed - The letter from the creditor, XXXX XXXX XXXX XXXX Please have this handled as soon as possible as this is affecting my credit and I am buying a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
This debt was for a XXXX co-pay. The original amount of the debt was {$270.00}. I was charged {$350.00} dollars by the collection agency when I paid the debt in full. They claimed it was interest but I was never notified that there was interest being collected for this medical debt. I told them this debt was owed due to hardship from XXXX XXXX loss of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  Account number XXXX This collection account is showing on both my Experian and XXXX credit reports. I have disputed this account, and it was not removed. Because of this collection account, I am unable to qualify to purchase a home. The credit report states that the account was opened XX/XX/2020. I did not open this account. 

After researching, I found that this violates my rights under the Fair Credit Reporting Act. My understanding is that the information contained within my credit reports must be accurate. 

I am asking that this account be investigated on both my Experian and XXXX reports. 

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 explanation
Consumer complaint received 2022-08-17 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: OH

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 2022-08-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 2022-08-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Last year I opened what I thought was a BJ 's store card. I rarely used it, and did not know it was a credit card. I was not planning on renewing. 

In XXXX, 2022 I get a statement that I owed a {$58.00} renewal charge. Still not realizing this was a credit card. I planned to go to the store when I was in XXXX and tell them I wasn't renewing. 

In XXXX, I get another statement, this time with a late fee and interest. I now realize that the card is a BJ 's Comenity Mastercard. I called Comenity and tell them I didn't want the card and was disputing the charge. They tell me the late fee couldn't be reversed until BJ 's reversed the renewal fee. I called BJ 's and they reversed the renewal charge but said it would take 2 months to process. 

In XXXX I get another late fee and interest. In XXXX the renewal fee is reversed but I get charged another late fee and interest. In XXXX I get another late fee and interest. 

I was able to reach someone at Comenity Bank who put me through to their Collections Dept. They told me to pay the late fees. I argued with them and the representative, XXXX, said she couldn't do anything but would escalate. In the meantime my credit has been hurt. 

I put messages on the internet page for this credit card. Finally someone answered the message and again told me I was responsible for paying the late fees and interest which are now up to {$150.00} because I didn't pay timely. 

I tried reaching Customer Care and was on hold for 45 minutes last night and finally hung up. This afternoon I tried and after another 45 minutes on hold I hung up. Then I tried a different phone number and was on hold 15 minutes when the system cut me off. It is almost impossible to reach these people. 

I am reading online what a scam operation these people are. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I see that someone by the name of XXXX was able to send themselves XXXX dollars from my cash app. I inform both cash app and my bank ( XXXX ) about this. Cash App refuses to do anything and my bank, at first, decides to give me the XXXX bucks back. I then receive a letter from my bank on XX/XX/XXXX that they are taking the money back out of my account. After further investigation, Cash App has claimed that I have multiple undisputed transactions with this XXXX person. This is a straight up lie. If you look through my transaction history on Cash App you will find that there is only one transaction with this person. Cash App has lied to my bank during an investigation that resulted in me losing money from a scammer. Multiple attempts at contacting Cash App have been made and they refuse to address the issue

Company response to consumer: Closed with explanation