vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: GA

Complaint narrative:
I have asked for valadation on accounts that appear on my report and I have not heard back from the companies. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are un verified according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information that is innaccurate, incomplete, or which provide testimony and certification that you can not be verified. XXXX cards, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Auto, and, XXXX lending services. It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, INCOMPLETE, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHT TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formated reporting standards according to regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian indicates that they no longer have a record for my wife or myself and they are indicating that we need to open a new account to be able to THAW our credit. I believe that it is their technical error, but they refuse to do anything about it. It doesn't make sense that this occurs with both of our accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX is the total amount of debt claimed to be owed to Midland credit for XXXX  XXXX. legal account collections number is XXXX on their website. On XXXX XXXX I entered a payment plan via their website after learning that they were suing me by searching my name on the county court website. I was told that they would dismiss lawsuit after I entered payment plan for old debt ( not verified ), and they still have not dismissed it although I have made payments on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: GA

Complaint narrative:
Capital One has a fraudulent account on my credit report. Ive submitted proof of claim including a police report and other documentation however they continue reporting this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check into an XXXX account on XXXX. I was told check might not clear for several days but when I called today, I was told that the account would be locked shortly because I had deposited a check with two payees into my account, but I explained to this employee XXXX that the entire point of an XXXX account is to do such a transaction. He was clueless. The bank is now requiring me and my client to come to the bank in person to disburse the funds, lift the hold, and prevent my account from being shut. I did nothing incorrect here and Chase is causing undue hardship in violation of the XXXX and XXXX Banking regs. I am so dismayed that they wasted my time and now my clients and have interfered with legitimate commerce in such a manner. Why would such a proper deposit trigger account closure when there is no basis for fraud. The local XXXX branch is just as dismayed at I am at the conduct of the bank 's back office who clearly has no idea how to run a business or XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
We opened a check and savings account in 2011 and a credit card was issued without us asking for one.

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Never got my escrow check worth of {$5400.00}. Its been delayed for a long time. Pmi Should not be charged after 20 % of the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
FCRA Violation: name and address not mine XXXX XXXX XXXX XXXX  NAMES REPORTED
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA
XXXX

FCRA Violation: credit card never late
XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
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


FCRA Violation: Collection not mine
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
FCRA Violation: name and address not mine XXXX XXXX XXXX XXXX  NAMES REPORTED
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  LA
XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA
XXXX  
FCRA Violation: credit card never late
XXXXTHE

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
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 explanation
Consumer complaint received 2023-01-23 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: FL

Complaint narrative:
On XX/XX/20, i noticed a charge on our card for XXXX  by merchant name '' XXXX XXXX XXXX XXXX '' XXXX FL XXXX XXXX. I called capital one to dispute this and they said they will look into this so they gave a temporary credit. Yesterday, we were charged again and when i called the fraud department, they told me they looked into it and it appears this merchant must have the credit card physically there and because our card has the chip, it can not be copied... We DID NOT MAKE THIS PURCHASE. we live over XXXX hour away from XXXX and we have not gone to XXXX in years! I asked Capital one to provide me with more details and they couldn't. I was just told that because of the chip in our card, it led them to believe this was not fraud. I asked what if this happens again? This is unfair to pay on a charge that we certainly didn't make and i was told that " hopefully it wont happen again ''. they also made a claim to me over the phone that i may have allowed someone other than my husband to use the card which IS NOT TRUE either. They said a letter will be mailed to our home which we have not received yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NY

Complaint narrative:
Transunion and XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is XXXX of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
I have been a member with USAA for over 25 years. Have always had excellent credit. I have been late on a credit card payment by only a few days maybe XXXX times in 20 years. NEVER multiple billing cycles. I set up automatic payment in late XXXX or early XXXX of 2022. USAA never contacted me to let me know it was not set up correctly. They claim they sent XXXX letters in XXXX and XXXX notifying me of an outstanding balance - I never received this. However, I have received multiple emails and letters from my insurance through USAA - nothing that there was something amiss with my credit card. 
I have spoke with USAA for over XXXX hours today- they tell me there is nothing they are willing do to do rectify this. I am requesting I set up automatic payment correctly, USAA did not notify me there was a problem with my account or a deliquincy, I need this rectified. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Date of Birth : XX/XX/XXXX SS # : XXXX I sent out letters to XXXX, Equifax and XXXX requesting to Remove Inaccurate Credit Information off my credit report. 
I have the right to challenge and dispute any errors and any discrepancies on my personal credit report. 

I received a copy of my credit report and found the following items to be in error below XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: FL

Complaint narrative:
Date of Birth : XX/XX/XXXX SS # : XXXX I sent out letters to XXXX, XXXX and Experian requesting to Remove Inaccurate Credit Information off my credit report. 
I have the right to challenge and dispute any errors and any discrepancies on my personal credit report. 

I received a copy of my credit report and found the following items to be in error below XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
On XX/XX/2022, {$1800.00} was taken from my account to be applied to the principle. instead I was told there would be no payment due for XXXX and XXXX. The balance was {$53000.00}. No payment was deducted from my checking account. The XXXX payment was deducted from my checking  account. That left a balance of {$53000.00} for XXXX. What happened to the payment of {$1800.00}? Why are they stopping us from making extra payments towards to principle and paying off this loan ahead of time? This is the second time we have reached out to you and that matter was taken care of by them. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Requested for overdraft fees and only received a portion of it. Wells Fargo is the only local bank so thats why I bank wit them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I received a letter via mail, from my loan servicer ( XXXX XXXX  Servicing ) that my loan was being transferred to Shellpoint, and would be effective as of XX/XX/XXXX. Prior to this notification XXXX Servicing and myself had already completed a loan modification after the forbearance had ended and this was effective as of XX/XX/XXXX On XX/XX/XXXX I received documents from Shellpoint alleging that my loan was XXXX  days delinquent and XXXX was due. It appears that Shellpoint is attempting to disregard my contractual agreement with XXXX XXXX. I am requesting that Shellpoint validate these allegations with all documents that I am XXXX delinquent which includes the payment history to collaborate the allegations that I am XXXX behind on this mortgage. Furthermore, I would for Shellpoint to clarify where my payments on this loan are being held because their claim is that it is in XXXX or more suspense account ( XXXX ) I would also like a payoff letter stating the amount that is owed at the present time on my mortgage regarding my property. 

CARES act rules state that mortgages in forbearance should not be reported as having late or missed payments. And the forbearance plan should not harm your credit score. Therefore I am requesting that Shellpoint refrain from reporting any negative issue regarding this loan from being reported to any credit bureau until these errors of resolution are resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NY

Complaint narrative:
Transunion and XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/22 I put in a complaint with CFPB reference number XXXX. I heard back from a representative at PNC who stated that as a one time courtesy they would put my mortgage back on my credit report. This has not happened yet. I would like for PNC to put it back because it was unfairly taken off per my previous complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
More than 16 million accounts at Wells Fargo were subject to their illegal practices, including misapplied payments, wrongful foreclosures, and incorrect fees and interest charges,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fees on account

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