vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To whomever it may concern, The actions of Comenity Bank and the various agencies that have refused to address this manner are acting against XXXX XXXX XXXX XXXX. I am attaching additional documentation for my communications with Comenity Bank. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and Comenity Bank has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with Comenity Bank, as well as the previous dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called in XX/XX/2022 to close all accounts with Wells Fargo. The rep told me all accounts were closed and I owed {$0.00}. Then I receive a letter on XX/XX/2022 showing I owe {$5.00}. I wrote a letter asking them to remove the {$5.00} fee as my account was closed and I should have been assessed fees and to close my account. I received a letter dated XX/XX/2022 thanking me for being a loyal customer. They are assessing fees for accounts I've requested to be closed almost a year ago.

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 2022-11-18 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2019 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-11-18 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2019 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experianclaim they couldn't find my information about any debt I suppose to owed.I couldn't understand why not.Same account number But different collection agency with Different amount

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 2022-11-18 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 reason

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 2022-11-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX  XXXX XXXX XXXX : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00}

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 2022-11-18 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:
15 U.S.C 1681 section 602 A. Statesl 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 a 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 Any other adverse item of infornmation, 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 




I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days, I still have received anything back. 
According to 15 USC 1681i ( @ XXXX ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights.

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 2022-11-18 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: PA

Complaint narrative:
In accordance with the fare credit report act the list of accounts listed below have violated my federally protected consumer rights to privacy under the 15 USC 1681. XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC section 602 states u have the right to privacy. 15 USC 1681 section 604 A stars a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
The history is relevant : I have been attempting for literal years to get a modification on my mortgage due to a family emergency that resulted in a default on the mortgage. The process began in XXXX XXXX XXXXXXXX when the mortgage was serviced by XXXX. I was consistently stone-walled by XXXX for years. The pattern went like this : I would fill out the hardship applications, print off my pay stubs and current relevant information, send them through the portal. Receipt would be acknowledged electronically. They would say that my file was with underwriting and it would take awhile. I would call back for a status, they always say it was still in underwriting. At approx the 3 month mark I would call for a status and would be told told that I had been assigned to a new single point of contact and I would have to start all over. I would not get an answer on the hardship applications. Each instance of this took minimum of 3 months. This happened upwards of 10 times, so may that I had actually been assigned to two single points of contact twice and the department was huge! In XXXXXXXX XXXX XXXXXXXX there was an ethics violation by XXXX. I wrote a complaint and was assigned to an XXXX XXXXXXXX in spring of XXXX ( email attached ). I tried repeatedly to reach the gentleman who introduces himself in the email, he never responded. I have emails of this if it matters. Months later I found out that XXXX had sold the servicing on the loan to XXXX. XXXX shirked responsibility for the ethics violation by selling the servicing contract on the loan. I spent months reaching out to XXXX to no avail. I discovered that the servicing on the loan had been sold again to Carrington which is where it rests now.

Current complaint : I can't get a single point of contact with Carrington. Per Colorado law CRS 38-38-103.1 AND federal law 12CFR1024.40 Carrington is required to assign mortgage modification seekers a single point of contact. Carrington will not assign my case to a single point of contact despite multiple modification application submissions. When I have called back to follow up with the same person, making the person a de facto single point of contact, the person who answers the phone states " any one can help you '' and refuses to transfer my call to the individual. My case is very complex and " anyone '' can not help me. I have been given miss-information many times by Carrington and there is no accountability when I have to go through the whole case with a new individual with varying degrees of competency every time I call to follow up. Please find a recent email exchange of me asking who my single point of contact is with the usual outcome : " anyone can help ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: TX

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 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # 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 a 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 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 if the person knows or has reasonable cause to eleve mane 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 2022-11-18 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: TX

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 USC 1681. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX. 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 a 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 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 if the person knows or has reasonable cause to eleve mane 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 2022-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: SC

Complaint narrative:
15 u.s.c. 1635 - right to rescind, I sent them notice of fraud and they have continued to report negativly to my credit report, without even disclosing that I had the option to opt out of them reporting negative items on my report. I have wrote letters to the CEO and the finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: CA

Complaint narrative:
I have called and sent multiple letters to this company regarding My daughter SSN and credit profile. She shouldnt have one she is XXXX years of age. Her SSN keeps being used. I would like her report to be erased and blocked as this is not her. I have attached her school Id and ssn card. Her date of birth is XX/XX/2009

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 2022-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern, I had reported a fraudulent claim to Capital One in XXXX of XXXX. The first agent that I spoke with, listed it as a dispute. I dealt with them for over XXXX months in order to resolve this fraudulent claim. They had charged me interest and finance charges during the time that this matter was continuing. I stopped using the credit card while this matter was in question. On XX/XX/XXXX of XXXX, the last agent I spoke with told me that I still owed XXXX XXXX I asked her what it was for and she could not tell me what the charge was for. I paid it and they received it on XX/XX/2022. As far as I am concerned, I have always made all my payments on time. They finally, fixed the fraudulent claim, but they still wanted to charge me another XXXX XXXX I mentioned to them it had already been paid. I cancelled both of my cards with them and closed all of my accounts. They refused to remove the XXXX $ that was extra. I feel that I was fraudulently being billed again, for something I had no knowledge of. This account should have been a XXXX amount XXXX  months ago. I need them to stop fraudulently billing me and adding finance charges. I no longer am doing business with them. I need to have them remove all of my information from their system. This matter dropped my credit score by XXXX. They sent me an e-mail, stating they would correct it and it has not been taken care of. They need to send all credit agencies updated information, that it was not my fault that this became a nightmare. The first agent made an incompetent mistake by not submitting it as a fraudulent claim instead of a dispute. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I mailed a payment check # XXXX for {$2100.00} on XX/XX/XXXX to Capital One. I called two weeks later because it was not posted yet to my account. They told me they did not receive it and since 10 business days had passed, I would need to reissue the check. On XX/XX/XXXX, I mailed check # XXXX for {$2100.00}. The payment posted to my account on XX/XX/XXXX and then was withdrawn on XX/XX/XXXX because the bank returned it. The bank returned it because Capital One had already cashed the first check # XXXX but never posted the payment to my account. I have repeatedly called to find out where the money is if it not posted to my account. They opened a payment investigation and requested a copy of the front and back of the cashed check ( they even wrote the wrong account number on it! ). I uploaded through the portal and they issued a provisionary credit on XX/XX/XXXX. Today, XX/XX/XXXX, they took the provisionary credit back and told me that the reason is because the bank returned check # XXXX ( the second check ). Whoever is doing the " investigation '' didn't look into it far enough to see why this was returned. This happened on three Capital One credit cards that I mailed in payment on the same day. They fixed the other two, but refuse to fix this one. In the meantime, I am making minimum payments and paying interest so it doesn't show as late payments on my credit. Very frustrating!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: PA

Complaint narrative:
In accordance with the fare credit report act the list of accounts listed below have violated my federally protected consumer rights to privacy under the 15 USC 1681. Accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC section 602 states u have the right to privacy. 15 USC 1681 section 604 A stars a consumer reporting agency can not furnish a 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 2022-11-18 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: PA

Complaint narrative:
In accordance with the fare credit report act the list of accounts listed below have violated my federally protected consumer rights to privacy under the 15 USC 1681. Accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC section 602 states u have the right to privacy. 15 USC 1681 section 604 A stars a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
United Wholesale Mortgage is misleading me and the Consumer Financial Protection Bureau website when they pretend to present the truth. 
They use deceiving practices and excuses themselves to say that they have allowed the Consumer ( me ) 45 days before they purchased insurance. 
The evidence attached here ( issued by United Wholesale Mortgage ) CLEARLY shows that they purchased insurance ( XXXX XXXX XXXX  ) BEFORE they even NOTIFIED ME. 
The day they purchased insurance is : XX/XX/2022. 
The day they pretend they notified me to purchase insurance is : Notice XX/XX/2022. ( 12 days AFTER THEY PURCHASED INSURANCE ). 
Please STOP LIEING! Please STOP abusing me and my ACCOUNT.! 
The Forced Placed Insurance cost was a : {$6400.00}. The regular insurance cost is {$1100.00}. Do the math please! These facts CLEARLY shows they wanted to abuse my account and me. 
Dear Consumer Financial Protection Bureau, are you planning protecting us, the consumers? 
For how long should you tolerate this abusive practice against me?

Company response to consumer: Closed with explanation