vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: CA

Complaint narrative:
I, XXXX XXXX, asked the credit bureaus to do a verification through a thorough investigation of the items listed in this complaint and also listed below on my credit my credit report. They stated that the accounts had been verified as accurate. However, I did an investigation into my credit report myself and found inaccuracies after they did their thorough research. 

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 In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, XXXX, and 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 604 A 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 2023-02-08 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: MA

Complaint narrative:
2 separate applications were submitted under my name that I did not authorize. One was on XX/XX/XXXX and the other was on XX/XX/XXXX. I was alerted to the submissions by credit monitoring that I have. I submitted a dispute on the first one on XX/XX/XXXX, then put a freeze on my credit on XX/XX/XXXX at Experian. I put credit freezes at XXXX and XXXX on XX/XX/XXXX, then a fraud alert on my account at Experian on 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 non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX and I lost my house in XXXX. 

I tried many ways and many times to get help with Wells Fargo who I had the mortgage loan through. 

Wells Fargo denied : loan modification, loan forbearance and did not give me any options to keep my house.

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 2023-02-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX credit acpt did not send me proof of puchcase

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 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Equity Advantage Holdings, Inc.
State: PA

Complaint narrative:
I received an email from XXXX saying I owe {$240.00}. I called and they said it was an error. They sent me another email saying I owe {$77.00}. I called XXXX XXXX where I originally took out the loan and they said that my account was fine and paid in full. 

XXXX XXXX gave a mailling address to send payment to as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not pay it. But I am concerned that they have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After finding out that Equifax had wrong name associated with my account and having placed six calls on why there was a freeze on my account it still was an issue. As requested by the company I mailed copies of my drivers license and social security card to them to correct the name. I received a letter saying this issue was resolved. Now today it is coming out that they are placing a fraud alert on my file since this issue was not resolved. This is a never ending problem with Equifax and incorrect reporting issues with them regarding my name and credit freezes. 


I then placed 3 calls within the last 2 weeks and have attempted to remove the freeze and the fraud alert on my account I am still not able to get my credit union a credit report from this agency. Attached is an email from my credit union as of today. This problem dates back to XXXX when I first filed this complaint with this Bureau. 

When calling them when you want to remove a freeze instead of offering an option to place or remove the automated system automatically places another freeze. So this ends up going round and round having to speak to someone who barely understands English as a second language. It takes no less than 20 minutes to get through the voice mail decision tree, texts to confirm identity so the calls take over 30 minutes once you get through to speak with someone who doesn't understand nor takes care of the problem. 

Here are the case numbers from last week and earlier today, there was a case number today but was unable to understand the CSR and could not right it down. XXXX & XXXX I need my file cleared off so I can get my autoloan approved. If this is not resolved I will call my legislators at both the state level and federal level to report these issues. The credit bureaus are impossible to work with and should be abolished!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
Letter has XXXX XXXX list but received yesterday on XX/XX/2023. 
Claimed I owe a debt of " {$1300.00} '' from creditor I do not recognized. 
List " Date of Service '' on XXXX XXXX, which I thought was past statute of limitations for medical bills in XXXX. 
The company goes by " Phoenix Financial XXXX  ''. 
I have not taken any action as I do not know if this is legal. 
Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
We filed a claim with our insurance company for hail damage to our property & the insurance checks were mailed to our home, made out to myself & Chase. I physically took the checks to the Chase Bank to turn over to them. Initial funds of {$40000.00} were released for us to begin repairs. On Wednesday, XX/XX/2023, an inspector contracted by Chase came to our property to do an inspection. An inspection was completed ( with photos ), and my husband, XXXX XXXX, signed off on the inspection report. The inspection was submitted to Chase at 100 % complete. After FIVE days of dealing with Chase via phone to resolve the release of the funds to pay for repairs, I was told that the file was " referred to corporate for further review for being non-responsive ''. I was initially told that once the repairs were completed, to call for the inspection. Chase is insisting that they sent out letters to which there was no response, yet Chase now has an inspection report, filed by their inspector, and I have talked to the Mortgage Claims department several times, but I was told that they are currently holding the funds because we were " non-responsive ''. I have now spent the XXXX day trying to resolve this issue through numerous phone calls. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: TX

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
1

5 U.S.C 1681 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 my written instructions 15 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 explanation
Consumer complaint received 2023-02-08 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report. It has been over XXXX  days and I haven't received any investigation results.

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 2023-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2023, I began doing business with a company over the internet. They charged my Pay Pal account {$63.00} on that day, and they stated that they would make subsequent charges against that account, until almost {$300.00} was paid to them. 

I spent the weekend in the emergency room, with a family member, who has since died, and so I paid no mind to it. 

On Monday, XX/XX/2023, I discovered that the company who had charged my Pay Pal account, had done so deceptively. I contacted them, in writing, several times, and I informed them that they had broken state and federal laws, and deliberately withheld facts from me, which I was relying upon when I decided to do business with them. I asked them to delete my profile and refund me, but they refused and did neither. 

I then provided proof to them that they had had committed statutory fraud, but they still ignored me and informed me that they would continue to charge me. 

So I filed a formal complaint against that business with the Federal Trade Commission, and XXXX XXXX XXXX 

I then went to Pay pal, and tried to stop the payment, but they forced me into an automated system, which would not allow it. I called their number, repeatedly, for three days straight, but I never reached a human and I sat on hold indefinitely. Pay Pal obviously does not wish to provide any real service, since their entire resolution process is strictly " app '' driven. 

Nevertheless, it's my money and my right under the law to stop fraudulent payments. 

For the record, I am a XXXX, certified consumer affairs XXXX for the New Jersey XXXX Attorney General, and so when I say that I was defrauded, it is with the full understanding of the law and my rights. 

XXXX XXXX can not just use my money as they choose, and then ignore me. I am entitled to dispute these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: MI

Complaint narrative:
XXXX XXXX Account Number : XXXX is reporting 1 late payment ( XX/XX/XXXX ) XXXX  Account Number : XXXX is reporting 3 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX  Account Number : XXXX is reporting 3 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX AUTO Account Number : XXXX is reporting XXXX late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) According to 15 U.S.C 1681 section 602, it states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 States : a consumer reporting agency can not furnish an 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 I did not provide written instructions to any reporting agency in regards to furnishing any of my account information. I did not provide written permission to any financial institution to provide my account information with any third party. All the information mentioned above that is being furnished on my credit report is in direct violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: GA

Complaint narrative:
In accordance with the fair credit report act this creditor has violated my rights. Under 15 US c 1681 section 602 states I have the right to privacy. 15 US c 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 US c 1666B a creditor may not treat a payment on a credit card under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: Early Warning Services, LLC
State: OH

Complaint narrative:
I been in XXXX  6 years since I was XXXX came home and my credit was messed up and I cant open any major banking accounts and I never had a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-02-08 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: CA

Complaint narrative:
I received a text from a machine asking if I made a purchase on my Chase Freedom card. I said yes. My card was cancelled against my will anyway and the charge declined. No one was able to actually read or find the text or know why it was cancelled. A human being should have called me. I tried calling Chase as soon as I got the message which woke me up in the middle of the night. Their office was closed.I have spent 3 hours trying to straighten this out. I do not want a new card number. Or I want compensation for this aggravation and now cancellation of my vacation booking. 

How do credit card companies get to behave like this without some kind of a Fine?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: B9, Inc.
State: ND

Complaint narrative:
XX/XX/2023 {$3300.00} was supposed to b put in my acct instantly by XXXX XXXX  to B9 and neither company had given me a refund or deposited my funds. Also B9 is charging me XXXX for external fees for no reason

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I applied for a credit card with Venmo which is backed by Synchrony Bank, of course, I put all my correct personal information in the application form, and everything worked perfectly until XXXX day I find myself checking my info in the Venmo app, I notice that my email, and phone number, and address had been changed, I decided to call the customer service department and also observed that the automated system did not recognize the last XXXX digits of my social security number, clearly this information had also been changed, When I finally get to speak to a representative they takes my complaint and tells me that I am going to receive a correspondence requesting some documents, indeed several letters have arrived and I have sent the same information many times, the same forms, I have signed everything I had to sign so that they do their checks and my problem has never been resolved ( on XXXX occasion they told me that they had not received the documentation, which makes me think that they do not have control of their correspondence ), I have talked to many customer service representatives and nobody has answers, honestly, I don't know what to do and although they closed my credit card I have never stopped paying on time. 

Before this situation with this bank, it had also happened to me that credit cards had been requested or issued in my name that I had not processed and I realized this by letters that arrived at my address, which I also reported. 

This company has committed several cases of abuse with my personal information and for proof of this, I am going to attach information from another situation I had with them.

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 2023-02-08 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: LA

Complaint narrative:
XXXX bank XXXX XXXX XXXX reporting to my credit accounts My identity was stolen in 2020. I filed a report with the police in XXXX XXXX, GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: LA

Complaint narrative:
XXXXXXXX XXXX Launch Servicing Incorrectly reporting to my credit accounts My identity was stolen in 2020. I filed a report with the police in XXXX XXXX, GA.

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 2023-02-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX credit acpt did not send me proof of puchcase

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 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX reported XXXX student loans to the credit bureaus as each having late payments from XXXX - XXXX of 2017. During this time I had a consolidation loan processing that held up my IDR application and was told verbally that the accounts would be placed in hardship forbearance since there was no way for me to pay such a high amount when I was unemployed at the time. I also stopped receiving emails about payment reminders, so I had no reason to doubt this was the case. Now I am looking to purchase a home, but because each of the loans ( now consolidated ) are showing as individual late payments it is severely impacting my credit and ability to get a mortgage. XXXX is no longer in business and as such there is no way for myself or the credit bureaus to contact them to have this 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 non-monetary relief