vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
In XXXX I was having financial difficulties due to the economic crash of XXXX and I requested a home loan modification from my mortgage company ( American Servicing Company ), a subsidiary of Wells Fargo, I was denied several times, being told that I didn't qualify. As a result, I lost my home that I had paid for for sixteen years, and believe it or not in XXXX of this year ( XXXX ) I received a check in the mail from Wells Fargo for XXXX XXXX dollars and a letter stating that during a review of my mortgage account, they identified they when the loan was considered for payment assistance options, an error may have occurred. As a result, we are enclosing a check for XXXX. We apologize for any inconvenience this caused.

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently sent multiple dispute letters to the consumer reporting agencies to investigate and they are not processing my disputes. They keep sending me auto generated response saying that they will not process my disputes because they believe it is someone other than me sending out letters on my behalf.

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CL Holdings LLC
State: TX

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting Jeffcapsys account number XXXX but also listed as account number XXXX I have know knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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:
I just took a look at credit report XX/XX/year>, and found a charge off from sprint who is suppose to be orignal creditor. 

1. account. XXXX XXXX ( Original Creditor : XXXX XXXX  ) Date opened on the 2 accounts do not match/ this is a charge off allegedly. 

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 USC 1681 s-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 calls to believe that the information is inaccurate. 


THIS IS A VIOLATION OF MY CONSUMER RIGHTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting XXXX account number XXXX but also listed as account number XXXX I have know knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently sent multiple dispute letters to the consumer reporting agencies to investigate and they are not processing my disputes. They keep sending me auto generated response saying that they will not process my disputes because they believe it is someone other than me sending out letters on my behalf.

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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently sent multiple dispute letters to the consumer reporting agencies to investigate and they are not processing my disputes. They keep sending me auto generated response saying that they will not process my disputes because they believe it is someone other than me sending out letters on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is still reporting on my XXXX and Experian but not my 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 2024-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
This debt is over ten years old. It is a debt that was written off by XXXX because it was an error on their part after I fulfilled the contract and canceled service. It was disputed and removed from my credit report again last year in XXXX. It has now been purchased and, again, reopened way past the expiration date of the debt. They are fraudulently causing errors and drops on peoples ' credit scores and need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX I applied for a car loan on XX/XX/XXXX I paid the car loan I had with Navy federal in full. I got a credit denial because Navy Federal stated the number of inquiries on credit report credit I was not aware the dealership was running my credit with different banks. account delinquent in the past 12 month, I was not late due to a fault of my own, number of month since oldest installment credit was open, my mortgage account was open in XXXX car loan in XXXX credit card was XXXX or XXXX I have nothing else on my credit, the parent plus loan that on my credit is something student loan required now if the child lives with the parent. 

while the equal credit opportunity act allows a creditor to consider an applicants immigration status when necessary to ascertain the creditors rights regarding repayment creditors should be aware that unnecessary or over broad reliance on immigration status including when that reliance is based on bias may run afoul of the law. 
" Fair access to credit is crucially important for building wealth and strengthening household financial stability ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
To put things into context Maryland authority general states A landlord is entitled to keep an application fee of {$25.00} or less. If an application fee is more than {$25.00}, any amount that was not actually used to process the appli- cation must be returned to you within 15 days after youve moved in. ( This does not apply when a landlord offers four or less units at the location, or to seasonal or condo rent- als. ) If either you or the landlord has sent a letter saying the rental wont take place, you are still entitled to a refund of your application fee, less the landlords application-related expenses. You have the right to ask the landlord to provide a written explanation of exactly what expenses were incurred, and what the cost of each item was. i asked for this from both the original creditors and the debt collector and I wasnt provided with this itemized receipt. So if their were any left over money it should be refunded to me since they denied me a receipt Im entitled to I charge back the cost of the application. Because they want to rob me and they know i cant get a collection on the and damage their credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc.
State: CA

Complaint narrative:
Happy Money Inc, has violated the consumer rights of XXXX XXXX XXXX ( the alleged debt consumer ) and any variations of the name, by reporting charge offs ( XXXX  ) to profit credit reporting agencies. No transactions or experiences are allowed to be on a consumer credit report. Income is forbidden to be on the consumers credit reports. Alleged Consumer of the debt confirms that no 1099c forms was ever provided or mailed to alleged consumer. Nor has any validated and verified proof of original creditor or alleged consumer data was provided to prove that the debt is legally responsible to be paid by alleged consumer, XXXX XXXX XXXX or any variation of the name, states sue has never had a contract with this debt collector for any debt. Please DELETE this account immediately and the ARBITRATION process will take place for EVERY negative account that has been reported and EACH time it has been reported per negative account. 15 U.S. CODE 1681 ( n ) Pursuant 15 U.S. Code 1681 ( 2 ) ( a ) ( ). Please contact all agencies, corporations and organisations that you have reported this information to within 10 days of this notification. I expect to see each negative remark listed on all accounts DELETED PERMANENTLY including but not limited to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and all other nationwide consumer reporting agencies. 

Respectfully, XXXX XXXX, UCC1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my previous written requests for TRANSUNION to provide me with the name of the person in their company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file they ignored my rights and instead told me that they are labeling my dispute as XXXXrivolous. Their actions clearly demonstrate their willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and their responses to them. 
1. The following personal information is incorrect 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 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 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 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Trans union is reporting a car loan that was discharged in 2018. I've tried to have it corrected with no luck. 
Creditor is 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 2024-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CO

Complaint narrative:
I open a cash app account XX/XX/2019 for personal since then they've been taking 2.75 % of anything that sent to my phone and so I started investigating more just a couple of weeks ago and I found out that they set me up a business account I did not set up a business calendar I open up that account for personal and they've been taking 2.75 % of anything that sent to my phone or to my cash app card since XXXX  cuz they're saying I had a business account I once I found out about that I disputed it and they refused to let me talk to a supervisor they refused to close refund my money because I opened a personal account not a business account I don't never open the business account I don't know how to open the business account they refuse to accommodate me or even speak to me in a proper manner and everyone that I've spoke to are Foreigner people and they're not willing to refund me my money back I never had a business account with cash at I don't even know how business get how you open the business account with cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the FCRA these companies are violating my rights. Under 15 USC and 1681 I did not authorize or gave written permission to have those accounts furnished on the credit report. I attempted to purchase a vehicle and was denied due to the credit reporting, This is a defamation to my character and it is only hindering me from moving forward after a divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my previous written requests for TRANSUNION to provide me with the name of the person in their company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file TRANSUNION ignored my rights and instead told me that they are labeling my dispute as Frivolous. Their actions clearly demonstrate their willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.1. The following personal information is incorrect : 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 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 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 2024-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I got approved for a loan for XXXX $ and I put down XXXX the loan company still say I owe XXXX $ when I gave them XXXX. Then they say I have to pay XXXX $ XXXX  months which comes out to XXXX $ how is this possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: Certegy Holdings, LLC
State: NY

Complaint narrative:
Certegy Payment Solutions , LLC continue to violate The Fair Credit Reporting Act by using false information that is incorrect, inaccurate and false to XXXX, which result in the denial of financial services. This action cause financial hardship, emotional distress and sever financial suffering. 
Attempts to contact the company representative has been met with phone calls being disconnected. 

I have attached a transaction receipt that was processed on XX/XX/24, which provide proof of the violation. According to Certegy Payment Solutions , LLC own statement, as follow " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Factors may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. Although this recommendation is final, we will evaluate all future checks at the time they are presented. Another option to cash this check is to visit the financial institution listed on it. '' The company provide no guidelines to customers, it's cashing location have no documentation or explaination, but refer me to contact the company. 
The company refuse to provide the do any information, such as the check number, dollar amount, check cashing history, or other transaction details, which it uses to deny the financial transaction. This behavior is no less than that of a criminal organization!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Wednesday XX/XX/2024 I received my XXXX XXXX check in my checking account in the amount of {$2100.00}. Around XXXX I went to our local grocery store XXXX XXXX grab something. I spent {$21.00}. I also had XXXX take out {$24.00}. I met with my with wife at our local Chase bank XXXX XXXX XXXX, CA XXXX. We were going to see about opening a joint account. When we were called to the counter, we informed the banker what we wanted. She had me swipe my card to verify I already had an account. I DID NOT take any money or nor did I have her move any of my money. The time frame was XXXX. Not even XXXX my accout was negative- {$2000.00}. I called the fraud they couldn't do anything because it was still pending. I went back to our bank spoke to a different teller and she informed me it was a ATM withdrawl and got me in contact with fraud that same day. I spoke with fraud and they mentioned again they couldn't because it was pending. They said call back when it is posted. I did and fraud informed it was an over the counter transaction. I spoke with the branch manager and informed I wanted this taken care and my money back. All they did was give me a runaround. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received a document from my bank, stated as followed : No action will be taken and this inquiry is now resolved. 

I am beyond frustrated because I never withdrew my money nor had my money moved into a different account! 

Please Help!

Company response to consumer: Closed with explanation