vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I bank with XXXX. I use bill pay to pay my mortgage. XXXX 's bill pay company is XXXX XXXX My mortgage company was XXXX. They recently merged with another company and my mortgage payments go Truist Bank now. When i changed my bill pay information over to Truist I entered my account number incorrectly, I had one number wrong. My XXXX first mortgage payment of XXXX dollars was deducted from my account and sent to Truist. XX/XX/XXXX i received a call from Truist telling me they hadn't received my payment. I called XXXX the next morning and got the check number and confirmation number of the check. XX/XX/XXXX i called Truist and gave them the information. I heard nothing until the XXXX of XXXX when i received another call from Truist that said then never received the payment. Since then i called Truist six more times. XXXX XXXX times and XXXX four times. And still have not received my XXXX dollars. The last conservation i had from Truist on XX/XX/XXXX with XXXX. She told me they received the payment from XXXX on XXXX. But the account number didn't exist. So on XXXX they sent a check # XXXX payable to XXXX in the amount of XXXX. The check was processed by XXXX  and credited to a XXXX XXXX bank account # XXXX. Not my bank account. I called XXXX and they said they have no record of that. I spent ten hours on the phone trying to get this resolved and still haven't got my money back.I have dates and time of my conversations and with whom i talked if you need this information. Please help.

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 2022-05-16 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: MD

Complaint narrative:
I provided documentation and a request to the credit bureaus via USPS XXXX Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, To remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

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 2022-05-16 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: MD

Complaint narrative:
I provided documentation and a request to the credit bureaus via USPS Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, To remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: IL

Complaint narrative:
I received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on TR, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on XXXX. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( TR ) XX/XX/XXXX and XX/XX/XXXX XXXX reported 30 days late XX/XX/XXXX when the account was not. XXXX also reported 60 days late XX/XX/XXXX and the account was not. ( TR ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( TR ) ( XXXX ) ( XXXX ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in 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 2022-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
Good morning my name is XXXX XXXX Ive made a complaint already so this is junction to that complaint. Complaint id XXXX. Please read that complaint to be informed. Now XXXX XXXX  is asking me to contact Bam trading services inc, for a notarized statment from the paye that the wire transfer is valid and that it will not be requested back by hold harmless letter! Ive been going over this for the past 4-5 months please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received my monthly bill from chase which included charges of {$800.00} made on XX/XX/2011. They were submitted 19 different times for {$42.00} for each order on the same day and were not even questioned by Amazon or Chase. The charges were on my Amazon charge card for XXXX XXXX which I don't even know what they are. I have spoken to Chase numerous times and they keep referring me to Amazon. I have contacted Amazon multiple times and am told that I will receive an email from the fraud department within 24 hours. Every time I received emails from the fraud department they keep saying they are working on my claim. In the meantime now when I call, they say that I have been blocked by Amazon and they can't get into the account. They have shut me off from XXXX XXXX which I paid for separately and I am not allowed to order anything from Amazon. I think that I should be reimbursed for XXXX because I can't use or watch shows on it. This has been going on for three months with no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 instrusctions.

15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 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: CA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instrusctions.

15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
# XXXX, has violated my rights. 

15 USC 1681 Section 604 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
# XXXX, has violated my rights. 

15 USC 1681 Section 604 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: MS

Complaint narrative:
1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX  XXXX is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL -ACCOUNT DIFFER FROM TRANSUNION, XXXX & XXXX DATE OPENED-DATES DIFFER FROM TRANSUNION, XXXX & XXXX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM TRANSUNION, XXXX & XXXX PAYMENT HISTORY- DIFFER FROM TRANSUNION, XXXX & XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2022-05-16 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: MS

Complaint narrative:
1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX  XXXX is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL -ACCOUNT DIFFER FROM XXXX, XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX, XXXX & EQUIFAX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, XXXX & EQUIFAX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, XXXX & EQUIFAX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE LAST ACTIVE- DATES XXXX FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATES XXXX FROM XXXX, XXXX & EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX, XXXX & EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have reached out to WFXXXX XXXX and requested information in which I have yet to receive a response. WFXXXX XXXX is in violation of my rights as a federally protected 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 2022-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I returned my lease to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/2020. I turned in all the necessary paperwork showing that I had made the necessary adjustments/fixes to the vehicle and was returning it under the mileage agreement. I was told everything was all set and the return of the vehicle was complete. XX/XX/XXXX I received a letter stating I owed {$1200.00}, I was instructed to responded to that letter via email stating that all those charges had been paid in full. In XXXX, I sent an email to XXXX with proof of receipt for the fixes and payment. I'm in the process of purchasing a home, and it has been brought to my attention by my mortgage lender that XXXX has placed two late payment charges on my credit for XXXX and XXXX of XXXX. I'm stating that these charges are erroneous and should be removed off my record.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The problem with Experian is when I call I can not get anyone on the phone. I can not speak to a rep only the automated system. I am filing a formal complaint on them based on not being able to dispute my credit report. These are the items to be disputed on my credit report with Experian. These items needs to be removed from my credit report immediately. 1. Us Dept of Ed. {$170000.00} 2. Us Dept of Ed. {$20000.00} 3. XXXX XXXX  {$19000.00} 4. XXXX  XXXX {$400.00} 5. XXXX  XXXX {$1700.00}. 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX {$400.00} 8. XXXX XXXX {$1200.00} 9. XXXX XXXX {$1000.00} 10. XXXX XXXX {$1500.00}. I have been a victim of identity theft.

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 2022-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
On XX/XX/2022, the borrower was approved for a trial modification with Selene Finance, but the terms were not provided. On XX/XX/2022, the borrower sent back the attached document stating that she wanted to pursue the loan modification. On XX/XX/2022, the borrower spoke to Selene, and they said the client was approved for a 3-month trial modification at {$670.00} a month. On XX/XX/2022, Selene 's attorney stated that his client was stating that they were never approved for a loan modification. No reason was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: NC

Complaint narrative:
Transunion displays innacurrate employer information on report i do not work for XXXX XXXX. I work for 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 2022-05-16 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: IL

Complaint narrative:
I received a copy of my credit report and found many inaccuracies. XXXX XXXX has violated my right to an accurate report, due to the many inaccurate dates of payment status. it is reflecting late 120 days on XXXX, 150 days late on XXXX and XXXX on XXXX. Three dates of last payment XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. This is a violation o 1681e b whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of information concerning information about whom the person relates. 1681c ( c ) 4 accounts placed for collection or charged to profit and loss antedate the report by no more than seven years. It will be impossible to get a valid antedation date with so many different dates being reported. 15 U.S ( 1 ) duty of furnisher to provide accurate information. I demand that this account be deleted. I understand that under 15 U.S.C you must complete this within 30 days of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received a copy of my credit report and found many inaccuracies. XXXX XXXX has violated my right to an accurate report, due to the many inaccurate dates of payment status. it is reflecting late 120 days on XXXX, 150 days late on XXXX and XXXX on XXXX. Three dates of last payment XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. This is a violation o 1681e b whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of information concerning information about whom the person relates. 1681c ( c ) 4 accounts placed for collection or charged to profit and loss antedate the report by no more than seven years. It will be impossible to get a valid antedation date with so many different dates being reported. 15 U.S ( 1 ) duty of furnisher to provide accurate information. I demand that this account be deleted. I understand that under 15 U.S.C you must complete this within 30 days of receipt

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