vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
A certified copy of this information that I just use was sent to them and havent received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
In the XXXX XXXX XXXX, there was a promotion to sign up for the Apple credit card where if you spent {$2000.00} you would receive {$200.00} as a promotional credit. I clicked on the link in the XXXX XXXX XXXX  to apply, and it automatically opened the XXXX wallet app. I completed the application in the XXXX app and was approved. I met the spending threshold within the time allotted. ( see attached document ) Goldman Sachs, the issuer of the Apple Card has failed to credit the promotional amount. They are asking for proof that I signed up with that promotion, but I didnt take screenshots of the process because normally you dont have to. I suspect that their tracking from the XXXX XXXX app to the XXXXXXXX XXXX  application was broken, or they are purposefully not fulfilling the terms of the agreement with XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a file a dispute with TransUnion, I was told they would do an investigation and they would fix the errors on my credit report. I told them undermm 15 USC 1692 c, 15 USC 1681B 18 USC 1028A, my violated my rights has been violated. They told my that they said The disputed item was verified as accurate. I told them its not accurate at all I never got any via mail to proof that this was my debt they said I had to file other dispute these creditor are putting stuff on my credit report without sending me someone via mail this is against the law

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 2024-09-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Reverse Mortgage with PHH Mortgage and Delays in Loan Closing Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against the reverse mortgage company PHH Mortgage for the excessive delays that have been caused in the loan closing process with my lender, Loan Depot.These delays have been ongoing and have not only caused significant frustration but have also resulted in financial and emotional strain, as I am attempting to fulfill my duties as executor of my fathers estate.

PHH Mortgage has consistently delayed releasing necessary documents attached to the appraisal and has failed to facilitate the smooth transfer and closing of the loan. These delays have directly impacted my ability to settle this reverse mortgage in a timely manner, despite my continuous efforts to move the process forward. 

Additionally, the delays have led to the accrual of fees and expenses that I believe are unwarranted. I am requesting that the CFPB investigate this matter and intervene to have these fees reversed, as they are a direct result of PHH Mortgages handling of the case. Furthermore, I ask that PHH Mortgage be required to take immediate action to release the necessary documents and allow the loan closing process to proceed without further obstruction. There is a sale date now due to them for XX/XX/XXXX even though they are the ones holding up the loan closing. 

As the appointed executor of my fathers estate, I am seeking to resolve this matter promptly in accordance with his will. PHH Mortgages negligence and lack of cooperation have greatly hindered my ability to do so. I respectfully request the CFPBs assistance in ensuring that this issue is resolved fairly and that I am allowed to close the loan as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX Executor and beneficiary to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX - XXXX my chase bank digital wallet was accessed by someone other than me, they proceeded to wipe my account for over XXXX grand in 13 different transactions. Chase refused to help with this and denied my claim on XX/XX/XXXX. they are unwilling to help and or retrieve the funds that was depleted from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America accounts XXXX and XXXX were closed without notice or explanation. And now over {$350000.00}. in my funds are in those accounts and BofA will not give me any clear idea of when I will get the money out. They tell me they will mail me a check eventually, or that I may ask sometime later this week for permission from the " back office '' to withdraw my funds in person from a branch. This is ridiculous if BofA is going to close my bank accounts I must be allowed to withdraw the funds IMMEDIATELY. ( I am traveling right now and am not even available to receive check via mail, so going into a branch and withdrawing my funds in person is the best option. )

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims never was an investigation conducted I have firmly asked Help never got it

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Misrepresentation of Car Return as Repossession by XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to submit a formal complaint regarding the handling of my auto loan and vehicle return by XXXX XXXX XXXX XXXX. 

I voluntarily turned in my car to XXXX XXXX XXXX XXXX with the understanding that a portion of the loan would be paid off as part of the process. However, after returning the car, I was informed by the bank that the vehicle had been repossessed, even though this was not the case. I willingly returned the car, and I was misled into believing this would resolve part of the loan.

This misrepresentation has caused significant harm to my credit report and financial standing, as a repossession carries serious negative consequences. I am seeking assistance in correcting the mislabeling of this event as a repossession and ensuring that my credit report accurately reflects the voluntary return of the vehicle.

Thank you for your attention to this matter.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Misrepresentation of Car Return as Repossession by XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to submit a formal complaint regarding the handling of my auto loan and vehicle return by XXXX XXXX XXXX XXXX. 

I voluntarily turned in my car to XXXX XXXX XXXX XXXX with the understanding that a portion of the loan would be paid off as part of the process. However, after returning the car, I was informed by the bank that the vehicle had been repossessed, even though this was not the case. I willingly returned the car, and I was misled into believing this would resolve part of the loan.

This misrepresentation has caused significant harm to my credit report and financial standing, as a repossession carries serious negative consequences. I am seeking assistance in correcting the mislabeling of this event as a repossession and ensuring that my credit report accurately reflects the voluntary return of the vehicle.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Misrepresentation of Car Return as Repossession by XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to submit a formal complaint regarding the handling of my auto loan and vehicle return by XXXX XXXX XXXX XXXX. 

I voluntarily turned in my car to XXXX XXXX XXXX XXXX with the understanding that a portion of the loan would be paid off as part of the process. However, after returning the car, I was informed by the bank that the vehicle had been repossessed, even though this was not the case. I willingly returned the car, and I was misled into believing this would resolve part of the loan. 

This misrepresentation has caused significant harm to my credit report and financial standing, as a repossession carries serious negative consequences. I am seeking assistance in correcting the mislabeling of this event as a repossession and ensuring that my credit report accurately reflects the voluntary return of the vehicle. 

Thank you for your attention to this matter.

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 2024-09-11 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the

efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-11 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  - Debt Final Rule 1002. 142 ( b ) ( 4 ) - 5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted .. company TransUnion XXXX please delete the following accounts. 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 explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc
State: MO

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 HUNTER WARFIELD INC, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo did not properly investigate any of my XXXX fraud claims in XXXX, 2024. Instead, Wells Fargo falsely accused me of giving out my debit card and PIN # away without any proof. This is impossible since I had my debit card with me while these XXXX fraudulent charges incurred XXXX hours from my house. I requested Wells Fargo to provide me with any documentation regarding my investigation. I received no documentation. The merchant, XXXX XXXX in XXXX XXXX, CA, where the first Non Wells Fargo ATM charge occurred, does NOT exist. The merchant, XXXX XXXX XXXX in XXXX XXXX, CA, where the second Non Wells Fargo ATM charge occurred, also does NOT exist. The merchant, XXXX XXXX XXXX in XXXX XXXX, CA, where the third Non Wells Fargo ATM charge occurred, also does NOT exist. None of these businesses are real, therefore, how could legitimate ATM charges occur? I asked Wells Fargo for documentation on these XXXX merchants and they did not comply with my request. I will be contacting a lawyer regarding the lack of negligence by Wells Fargo. Bank negligence occurs when a financial institution, Wells Fargo, breaches the duty of care that they owe a customer resulting in financial loss. When a bank provides a substandard service, it can be held liable for damages. My debit card was hacked and Wells Fargo refused to investigate it and cover fraud. What is the point of a bank that doesn't protect its customers? 
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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
In response to the letter that Calvary Portfolio Services sent to CFPB stating that they can not provide the documents I demanded to prove that I owe them the debt that they claim that I allegedly owe until I remove the cease and desist. I respond to state that I remove the cease and desist. In the letter Calvary states that they affiated acquired this account from citbank. This means that Calvary took my nonpublic personal information such as my social, address name etc without me knowing which violates my privacy rights as a consumer. This is a form of identity theft mishandling my social security number which is a serious violation. XXXX never gave me the option to opt out. Calvary states that they dont need my permission to report debt but they are reporting debt that I do not owe. I never done business nor did any transaction with Calvary to owe any debt. It is unlawfully to report transaction history on a consumer report without proper authorization as stated in 16CFR 313.7. This regulation prohibits the disclosure of sensitive personal information without a consumers consent. Additionally 16 CFR 433.2 which addresses the preservation of consumer claims and defenses is relevant to this context. This regulation ensures that consumers have the ability to assert their rights and defenses including the right to dispute inaccurate and unauthorized information on consumer reports. I am demanding again the documents that will prove I owe this debt to Calvary Portofilio Services together with a Purchase agreement the documents I demanded are 1.audit Trial, 2.forward flow Agreement, 3.account ledger, 4.chain of title, 5.chain of custody, 6.affidavit of debt, 7.affidavit of custody and 8.original due holder en course of this debt. Also want all communication to be here on CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion, XXXX, and XXXX have continued to report inaccurate information on my credit report, despite my previous disputes and efforts to correct these errors. I have attached a letter that provides proof supporting my claim and demonstrating the inaccuracies being reported. The failure to update this information in a timely manner, despite clear evidence, has caused ongoing negative effects on my credit score. I am requesting an immediate investigation and correction of these inaccuracies, with all erroneous information being 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