vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

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.

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 believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota financial reprocessed my company car and then posted it on my credit report even though they sold the car already and its still showing the full amount due on my credit report which its illegal. This was a purchased car for my company and they had no problem putting this on my personal credit report with wrong information since they sold it already. This is owed by a business not my personal credit. They sold the vehicle and didn't send me money or any of the reverse payments that they showed in the transaction history. They didn't even inform me that they were going to sell the vehicle to give me a chance to buy it back as required by law! No communication was done nor was I provided a notice of repossession when they took my vehicle. My credit report is still showing I owe them close the XXXX dollars when that is not the case on my personal credit report when this was a business vehicle with XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
This is a follow-up to complaint XXXX which involves forced placed insurance. 
Shellpoint Mtg. promised to refund {$2600.00} for XXXX. I tried many times to send documents which prove I have XXXX insurance through XXXX XXXX XXXX XXXX, but Shellpoint doesn't receive them. I have attached these documents. 
I deeply appreciate you help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX  I received a series of alerts from my credit card company Barclay 's Arrival Plus XXXX XXXX XXXXXXXX about charges from XXXX. I immediately checked and did not recognize the series of charges. I reached out immediately and my card was shut down and I was told I would be issued a refund in 1-2 billing cycles. I was told I would have to pay the charges until the case was investigated or else I would be billed interest, so I paid my balance in full ( including the disputed charges ). 

Attached is a copy of the credit card statement listing the charges from XXXX which total {$780.00}. 

I do not think I was supposed to have to pay the disputed charges as I was told while the case was being investigated and it is taking longer than I was told to resolve the issue. 

I have still not been issued a refund and after calling today to find out the status of my case, I was placed on a 20+ minute hold that was supposed to be a couple of minutes while they " researched '' my case. Nobody ever came back on the line. 

I need help getting this company to return my funds. I have run into fraudulent charges before with other personal and business credit cards, and I have never had an experience like this. First, I have never been told I needed to pay the disputed charges. They were removed from my balance while being investigated. Second, the investigation never took anywhere near this long to resolve. The charges were always very easily identified as fraud. Since Barclay 's alerted me, I am sure they knew the charges were likely unauthorized and fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi, I filed a dispute with wells fargo ( claim number XXXX ) and as strange as it sounds - wells fargo refused to actually process and investigate the claims. I first noticed that there has not been a provisional credit issued- so I called. and I was told the claims department would selectively process claim ( strange ), and because it is a higher amount, they might choose to delay it. 

My claim has been stuck for the past 3 weeks with no updates- when I called to ask, no information is given either. 

I am filing a complaint so that my claim can be properly investigated and taken care of. I am uploading additional information for the claim here as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My Uncle bought me a {$100.00} Amex gift card which costs $ XXXX XXXX and change activation fee. As soon as it was activated an hour later the card was used in several locations from an unauthorized user, one of the merchants being mid journey. Keep in mind I received the card hours later it was used and opened it up from the package a week later to find out that there was {$9.00} and change left. I called Amex and explained the situation to them and they looked into the case and said they will email the determination of the dispute/case. The response Email I received back only said your funds from the merchant couldnt be salvaged, we are sending you a card back with {$10.00} on it. Obviously I called Amex back and they told me that they cant do anything because they werent able to salvage the funds from the merchant. I asked them to confirm if it was a fraudulent case and from where did it occur and they gave me no detail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have made several attempts to dispute a merchant charge with my credit card company, Barclay 's Banana Republic Mastercard. I received the wrong merchandise from retailer XXXX who refused a refund. Credit card customer service first declined the credit due to insufficient information. They instructed me to fax in photo of item ordered, photo of item received, description of issue and all email correspondence between myself and merchant to show proof of my attempts to get a refund. I provided all requested documentation but now credit card company is stating I need a third party letter from another retailer who sells the same item stating that the item ordered is different from item received. The photos provided CLEARLY show the difference. Dress I ordered has long sleeves and is described as a maxi embroidered dress. Photo of dress received is short sleeved, not embroidered and has a different neckline. The credit card company refuses to resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Need accurate information for payoff date of my loan from consumer portfolio services. Why is CPS ripping off loyal customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Previously filed a complaint against XXXX XXXX XXXX  for a credit card that was paid in full, but listed as charged off with a balance on my credit report. I wrote to the President of the bank and asked for the payment ledger which was emailed with a response. Per the response I received, the account was closed with a XXXX balance. However, each credit bureau shows closed at credit grantor 's request with a charged off balance. If the account was paid off in full, it can not be a charge off with a balance. I have argued that this information is incorrect with the bureaus, and yet they are still reporting inaccurately. The Fair Credit Reporting Act requires accurate information be reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
15 U.S. Code 1681- Congressional findings and statement of purpose 1

) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: IL

Complaint narrative:
Try to call customer support to ask why they started charging fees for ATM withdrawals. 
Like ALWAYS a recording says to call back during non peak hours and hangs up on me. 
This is a government benefit card that people rely on to live and are not even put on hold!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Per Mr. Cooper representative, XXXX XXXX, XX/XX/XXXX @ XXXX mortgage payments in Forbearance will be added to the end of the loan. XXXX said someone will reach out to me before Forbearance ends to discuss whether I need to continue Forbearance or can resume payments and all missed payments would then be added to the end of the loan. Now that the Forbearance has ended Mr. Cooper is saying payments can not be added to the end of the loan and my investor does not allow modifications. Mr. Cooper did this same thing to me during the height of COVID and on XX/XX/XXXX was found by XXXX to likely have violated the Consumer Loan Act of deceptive practices. 

Also, Mr. Cooper has started the foreclosure process and on the FORECLOSURE LOSS MITIGATION form - Declaration Pursuant to XXXX XXXX- they taped to my door, a box was checked saying they contacted me to assess the borrower 's ability to pay and the borrower responded but did not request a meeting. This is false. The only correspondence I received from Mr. Cooper regarding my ability to request a meeting was in XXXX of XXXX. So I sent a letter via certified mail with a return receipt requesting said meeting and never received a response from Mr. Cooper and so the meeting was never granted even though someone from Mr. Cooper signed the return receipt acknowledging receipt of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I and a couple friends have had problems contacting Experian in the last several months. My current issue is that I am trying to sign up for XXXX. I finally discovered after several calls to Social Security that the reason I can not make an account is because my credit is frozen. I have tried numerous times and different ways to get through the Experian call tree, but it refuses to let me enter my PIN to unfreeze my credit or send me to an agent. I believe they are using AI to block me from reaching an agent. I may have to resort to making an online account to get signed up for XXXX as I can not get an appointment with Social Security until XXXX XXXX and my health insurance will cease to exist on XXXX XXXX. I don't hold a lot of hope that an online account will be the answer as two of my friends have online accounts and neither of them can access their accounts. One of them had an identity theft problem and was unable to reach anyone by phone at Experian. He finally contacted XXXX who contacted Experian for him as far as he knows. My other friend was being charged for an Experian membership she did not sign up for and had to get her credit card reissued to keep Experian from charging her for this membership she did not ask for because she was unable to get the problem resolved by calling Experian and unable to login to her account. 
Why is Experian allowed to get away with not providing phone support? 
All I am asking is for the freeze to be removed from my credit file so I can signup for XXXX. I shouldn't have to spend hours trying to navigate a phone tree that seems now to not send any callers to live agents.

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