vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On dates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX my credit was ran without permission on they told me it would be a soft inquiry and to check to see if I qualify. I called each company and they said there is nothing they can do. XXXX XXXX XXXX is the only one I have permission to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Garcadia Financial LLC
State: IN

Complaint narrative:
On dates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX my credit was ran without permission on they told me it would be a soft inquiry and to check to see if I qualify. I called each company and they said there is nothing they can do. XXXX XXXX XXXX is the only one I have permission to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX I was very ill and I apply for a forbearance and last year I start my process to start my payments and I qualify for a loan modification I send all the documents notarized and they send it back because it was a problem I fixed and send it back and they tell me to start making payments wich I did I start in XXXX XXXX until present but I dont see my account been fix I call many times but no body help me and I dont know we're the money is going is 6 months I been paying but Fredomorgage don't give me a answer every one has different excuses and explanation please help me my number is XXXX XXXX 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 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Chase Card Services making me an offer to settle my credit card debt for my credit card number XXXX. The letter stated that the settlement amount was {$5900.00}. The letter stated that if I make the full payment of {$5900.00} prior to the date of XX/XX/XXXX, Chase Card Services would cancel the remaining balance and I would owe them " nothing further on the account. 

I sent the full payment of {$5900.00} by XXXX XXXX  to the address listed in the settlement offer letter and it was received by Chase on XX/XX/XXXX well in advance of the XX/XX/XXXX deadline. However, since that time I have never received any acknowldegment from Chase Card Services that they received my check and as of todays date of XX/XX/XXXX, my check has not yet been cashed. 

Until Chase Card Services honors their part of the settlement agreement by cashing the check and reporting to the credit bureaus that the debt has been settled, an overdue balance of {$29000.00} is still appearing on my credit report causing a significant negative impact credit rating. I am requesting that Chase Card Services honor their part of the settlement agreement by cashing the check I sent them and reporting the payment to the credit bureaus so my credit report will reflect the payment with no further balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
upon checking my Equifax credit report i notice i have a fraudulent account on report i reach out to Equifax and they have not fixed the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Wells Fargo Home Mortgage, breach of agreement and ongoing obfuscating tactics. 

Please note, this is a new complaint on the handling of Wells Fargo Home Mortgage loan. 

Wells Fargo Home Mortgage entered into an agreement with myself to defer six mortgage payments as detailed by Wells Fargo Home Mortgage in three separate letters, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attached as Exhibit 1, 2,3 ). Only 4 of those 6 deferments occurred, this constitutes a breach of the agreement. Breaching an agreement is an error, not communicating that Wells wished to alter or amend the agreement is also an error. Taking 6 months to acknowledge that two payments were not deferred is also an error. 

Wells Fargo Home Mortgage is also in error in their response of XX/XX/XXXX, ( Exhibit 5 ) a letter that was sent separately and absent in the formal response of Wells Fargo to the CFPB, ( that states that Wells is unable to provide the CFPB policy that Wells used to justify not deferring the payments because the information requested is considered to be privileged, confidential and/or proprietary information of Wells Fargo . A Federal policy is a public document, and can not be privileged, confidential and/or proprietary. To state this is dishonest and obfuscating. Sadly, it is consistent with Wells Fargos tactic of obfuscation demonstrated in burying the consumer in paper, responding to questions and concerns with partial answers, making costumers stay on hold for hours when calling. 

In researching the sale of my mortgage from Wells Fargo Home Mortgage to XXXX XXXX  and servicing by XXXX XXXX, it was brought to my attention that Wells Fargo profited by having my loan not having the payments deferred, creating a false delinquency. Wells process of obfuscation and failure to return phone calls and emails to keep my loan delinquent to increase the price of its sale is fraud. 

Wells Fargos errors have resulted in my mortgage account being short {$5000.00} and past due to the current. I demand that Wells Fargo Home Mortgage pay me this sum of {$5000.00}.

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 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
On XXXX XXXX from Rocket Mortgage called about trying to refinance my home. He asked me some questions and I answered yes or no. He then when on to state that he was going to look at my credit to see what he could offer me. Never once did he ask for my permission to run my credit. After I hung up with him I got a hard inquiry on my credit. He texted me his contact info where I responded to him that I did not give him the ok to pull my credit. He said he did and apologized for misunderstanding. I then called and got a manager who reviewed the call and also stated I gave him my last 4 of ss # and gave him permission. The manager refused to remove the hit from my credit bc she said I did give him the ok to pull my credit. The way he spoke was very misleading and against the law. I tried to fix the situation but they said after review they cant remove this from my credit. I in no way have him permission to pull my credit I have a loan there and the way he spoke I thought he was reviewing my credit report where I had refinanced not to long ago not that he was actually pulling a new credit report. I requested copy of the call and was told I cant get that unless requested by an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: The Aligned Company DBA Extra
State: CA

Complaint narrative:
I purchased it on XXXX using my XXXX card. Within minutes I canceled that purchase meaning no item would be delivered or charged on my account. Unfortunately, a charge was placed on my XXXX card. That card is linked to my debit account. As stated on the XXXX site under the refund it shows that the refund went to my XXXX card and shows the last 4 numbers. The company, XXXX is stating I owe them {$67.00} for purchase but I already showed them transactions of the refund being sent to them and the purchase is canceled. I have no connection and am locked from all services and functions from my XXXX account but continue to be charged a monthly membership when I can use any services. They made a report on my credit for money owed. Ive spoken to 3 separate reps they all keep telling me I owe without any phone conversation and explaining how. I used their credit card and XXXX shows the refund went to their credit card but theyre insisting I pay them from my bank account linked. They are a finance app in the apple app store.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: AZ

Complaint narrative:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open XXXX XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX {$330.00} Late Close : XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} Chargeoff : XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX  ) XXXX XXXXXXXX Balance : $ 0Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX XXXX  ) Bankruptcy : XXXX XXXX XXXX Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Collection : XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.

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 2022-02-17 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:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.

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 2022-02-17 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: TX

Complaint narrative:
I have requested on several occasions to remove and or delete the incorrect & inaccurate information on my credit report which I am needing immediately removed. I am listing those items for your convenience below. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX  XXXX XXXX # XXXX XXXX TN XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX AND XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TRANSUNION - XXXX FOR XXXX TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX XXXX FL XXXX TRANSUNION - XXXX FOR XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX TX 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 2022-02-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested on several occasions to remove and or delete the incorrect & inaccurate information on my credit report which I am needing immediately removed. I am listing those items for your convenience below. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX TN XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX FL XXXX EQUIFAX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX TX XXXX EQUIFAX - XXXX XXXX XXXX XXXX FL XXXX EQUIFAX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX FL XXXX EQUIFAX - XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have not yet received a response to my dispute. The company closed the dispute and stated they would resolve this by contacting the creditor. I have not received any updates.

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 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-17 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: MA

Complaint narrative:
In XXXX a fraudulent checking account was opened in my maiden name. I contacted capital one for assistance and the rep was very rude and would not help me. I went online and wrote a review on XXXX and someone called me back and closed the account. A few weeks later, my online account access was suspended. I have spend at least 12 hours of my life on the phone with capital one and they just pass me off to other departments with no one able to help me. They say they can not take payments over the phone due to some sort of internal error on my account. They had to start resending me paper statements and I had to order checks to pay them now since no one can seem to figure out why my online access is suspended. Again today I was bounced from department to department given different information each time by each rep and I still can not log in. All I want to do is be able to sign into my account and pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I traded in my vehicle on my loan for another used vehicle and switched financing companies. Exeter is still showing my old car, my old loan balance, and stating I have a payment due at the end of the month. Upon calling multiple times, I was met with resistance and told I need to call my new lender, which I did, and they said it is Exeter 's responsibility to get a hold of my new lender to get this resolved yet no one at Exeter willing to help fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Balance was paid off in XXXX of XXXX, dispute was filed immediately after, with no changes coming from the dispute. In XXXX, the balance is still being reported with a {$0.00} balance shown as 120 days late. They are falsifying information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: PA

Complaint narrative:
I was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-02-17 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX, XXXX and XXXX failed to produce an investigative report on PORTFOLIO RECOVERY ASSOCIATES accounts posted to my consumer report. It is a violation of my consumer credit rights on a debt I have never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of XXXX and XXXX to the taxpayer by XX/XX/XXXX of the following year. XXXX XXXX ( the original creditor ) used my social security number to file IRS form XXXX to report XXXX XXXX XXXX without my authorization. This account has been reporting on my consumer report since XXXX of XXXX. This is far more than enough time to produce sufficient evidence of filing correct IRS forms because true documentary evidence is not in statements by the original creditor nor is it a credit card agreement. 

XXXX XXXX XXXX XXXX Colorado, XXXX XXXX. XXXX XXXX XXXX # XXXX file no. XXXX Portfolio Recovery Associates Inc, Plaintiff, dismissed the case against Defendant, XXXX XXXX in XX/XX/XXXX after defendant answeres the complaint

Company response to consumer: Closed with non-monetary relief