vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Attached you will find attachments detailing the inaccuracies in reporting on the my consumer report and the validity of the investigation i.e letter from the XXXX court stating that they do not report bankruptcy proceeding to the credit reporting agencies. With that being known the previous complaint was closed stating the bankruptcy was verified. Who was the company that verified the bankruptcy? I submitted a dispute on a XXXX that is appearing on my credit profile to all XXXX credit reporting agencies. After doing an thorough investigation XXXX saw enough evidence to remove the item from my consumer report. This same item was verified as accurate by Transunion and XXXX which begs the question was this item properly investigated by these reporting agencies. Pursuant to 15 USC 1681c ( a ) XXXX  information is excluded from the consumer 's report. ( XXXX, TransUnion, XXXX, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as Pacer. 
I sent in a dispute to XXXX XXXX as well knowing that this is the secondary reporting agency that verifies these accounts to the credit reporting agencies. XXXX stated in an attached letter that they don't have record of this XXXX and didn't verify this account to the credit reporting agencies. 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. This information is not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The mere fact that this account was removed from XXXX and is still reporting on XXXX XXXX Experian is the reasonable cause to believe this account is inaccurate and should be removed from my credit profile.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I applied for a deferment of my loan due to a financial hardship. It was approved beginning XX/XX/XXXX and end in XX/XX/XXXX. I was advised that all late fees and would be changed to paid as agreed from the date the deferment started. My credit report still shows late for XXXX and XXXX. I have disputed this with the credit agencies and nothing has been changed. Also my payment was due XX/XX/XXXX. They approved the deferment XX/XX/XXXX. I have also asked why they are reporting these payments 30 days late when XXXX was not due to XX/XX/XXXX and XXXX was not due til XX/XX/XXXX in order to avoid reporting to credit. Since the deferral was approved XX/XX/XXXX I should not have been reported late to begin with at it was not past XX/XX/XXXX. I am attaching the approval of the deferral I received XX/XX/XXXX and sent back same day as well as proof of the late reporting of 30 days my credit bureau.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I applied for a deferment of my loan due to a financial hardship. It was approved beginning XX/XX/XXXX and end in XX/XX/XXXX. I was advised that all late fees and would be changed to paid as agreed from the date the deferment started. My credit report still shows late for XXXX and XXXX. I have disputed this with the credit agencies and nothing has been changed. Also my payment was due XX/XX/XXXX. They approved the deferment XX/XX/XXXX. I have also asked why they are reporting these payments 30 days late when XXXX was not due to XX/XX/XXXX and XXXX was not due til XX/XX/XXXX in order to avoid reporting to credit. Since the deferral was approved XX/XX/XXXX I should not have been reported late to begin with at it was not past XX/XX/XXXX. I am attaching the approval of the deferral I received XX/XX/XXXX and sent back same day as well as proof of the late reporting of 30 days my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: AZ

Complaint narrative:
All 3 credit bureaus is purposely keeping my credit score low. My credit score has always been in the high XXXX now its hovering around XXXX for over 10 years now. I disputed past collection that was already paid. Yet theyre still reporting that incorrect information. I feel the credit report agency is discriminating against my credit worthiness. Theyre still reporting old addresses to purposely keep my score low. All 3 credit bureaus has cost me thousands of dollars in the past from various loan companies. Please look into their unfair practices. Its unfair how they have the power to keep my income down and to destroy my livelihood of making my credit outstanding to get future loans. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: AZ

Complaint narrative:
All 3 credit bureaus is purposely keeping my credit score low. My credit scXXXX has always been in the high XXXX now its hovering around XXXX for over 10 years now. I disputed past collection that was already paid. Yet theyre still reporting that incorrect information. I feel the credit report agency is discriminating against my credit worthiness. Theyre still reporting old addresses to purposely keep my score low. All 3 credit bureaus has cost me thousands of dollars in the past from various loan companies. Please look into their unfair practices. Its unfair how they have the power to keep my income down and to destroy my livelihood of making my credit outstanding to get future loans. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Summary * American Express ( AMEX ) made false and fraud advertising. 

Issue * My AMEX XXXX XXXX welcome offer was first confirmed then denied after I met the eligible purchases within first 6 months of Card Membership. 


What happened * AMEX XXXX XXXX XXXX offer ( XXXX membership point + {XXXX statement credit ) was double confirmed with AMEX official agent before I activated the credit card. 
* When I spend above {$XXXX} eligible purchases on the card within first 6 months of card membership, I tried to check again for my welcome offer deal. 
* Another agent said my welcome offer was denied. 
* I tried to contact Amex from online chat twice and give XXXX phone calls to address this issue, but there is no proactive response from Amex so far. 
* Amex made false and fraud advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, when I received my Bank of America XXXX credit card statement, I noticed over XXXX dollars in credit card charges that were not mine or my business partners. I contacted the credit card immediately. They asked me if I had the card and I told them that once I saw the statement I went to look for the card and realized it was XXXX stolen ; reporting the card was no longer in my possession. The XXXX XXXX asked me the last time I remembered using the card and went over the list of charges. I identified what charges were unauthorized and fraudulent. I was assured it would be resolved and was sent a new card. I asked the agent If I should make a payment on the valid balance and she advised me that I should make the payment before the billing due date to avoid interest. 
A few days later I received my new Bank Of America XXXX XXXX card and noticed the charges were taken off. A month later in XXXX, I noticed the fraudulent charges back on my account. I called a fraud XXXX and they told me it was because I made a XXXX dollars payment after I reported fraud. I explained to her I owed that amount and was told to make that payment, but that the fraudulent charges weren't mine. She stated she understood and re-disputed the fraudulent charges. A month later, I received another letter stating I was still liable. I called and they said because I didn't report that my card was missing and the chip was used. I explained that I did report the card was missing and to in my possession. The new fraud person researched and saw that and said he would refile the dispute. I waited and was told that I was liable just because and it was final. I continued to dispute and told them they were not honoring their fraud protection guarantee and that I would not be paying the fraud charges. They said I had to. So, now I am reporting it here.

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 2023-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I sent the money to the wrong person. I sent {$450.00} I want the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Thank you for taking the time to read this letter. Im writing because I have been dealing with a late payment reported XXXX XXXX  on my XXXX DEPARTMENT. STORE. I was not aware my account was considered late however I am willing to work with XXXX to remove these remarks from my credit files. I believe that my payments were enrolled in automatic payments, however this did not occur for that months payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mountain West Financial, LLC
State: CA

Complaint narrative:
My mortgage company did not automatically remove my monthly PMI charge despite already having reached a principal balance that is 78 % of my home value. 
I purchased my home for {$500000.00} and initially only put 10 % down so I have been charged a monthly PMI. Starting in XX/XX/XXXX my principal balance had reached {$380000.00}. I mailed a few letters requesting PMI removal but did not hear back, so on XX/XX/XXXX XXXX am I called XXXX XXXX XXXX XXXX, I spoke with XXXX. Questioned why my PMI has not been removed since my principal has reached 78 % of original home value back in XX/XX/XXXX. She said she would send a request to have it removed. 
I told her that I was advised that in the state of California PMI is supposed to fall off automatically once principal reaches 78 %. After placing me on hold she let me know that she will submit a request to have PMI removed and those extra PMI payments refunded, but told me that there was no guarantee. 
I got a letter letting me know that PMI has been removed from my monthly mortgage payment starting XX/XX/XXXX, despite meeting criteria of automatic removal back in XX/XX/XXXX. They also denied my refund request for PMI payments that were sent in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/2023, I was co texted by a debt collector before the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed this item several times on my credit file and it was removed this account has a co-signer which happens to be my ex wife. During the divorce my ex wife was awarded the vehicle. After the vehicle was awarded to her she lost the vehicle to a repossession! After the car was repossessed I was still getting late payment on my credit file which is against the law I can not be late on a vehicle I no longer have or am responsible for! Not only do I not have the vehicle or responsibility to it! It was disputed and removed unfortunately it has returned! The problem is that I shouldve have been notified 5 days prior to it returning to my report I was not!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed this item several times on my credit file and it was removed this account has a co-signer which happens to be my ex wife. During the divorce my ex wife was awarded the vehicle. After the vehicle was awarded to her she lost the vehicle to a repossession! After the car was repossessed I was still getting late payment on my credit file which is against the law I can not be late on a vehicle I no longer have or am responsible for! Not only do I not have the vehicle or responsibility to it! It was disputed and removed unfortunately it has returned! The problem is that I shouldve have been notified 5 days prior to it returning to my report I was not!

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 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Back in 2022 I think it was someone took money from my bank account without my permission or authorization by hacking into my XXXX account and i contacted XXXX and they told me to contact my bank which i did and the amount was almost XXXX dollars which is almost all the money I had and was saving for a special occasion... .I had the same issues before with XXXX and XXXX and changed my password so many times but this person kept getting in there some how ... ..it 's not my fault and should not be paying the price for this ... .whoever banks with this bank better watch out cause they are giving people permission to steal money from you and they do not care .... 
Oh and their way of handling my issues with these apps and having this happen is to close my account and end my relationship with 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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023 a scammer used the 'did not show for jury duty ' scam to scare me into paying {$2700.00} so my wife would not be arrested. It was a very sophisticated scam and I was forced to act within a specified time frame - I paid the requested amount with a debit card. We had second thoughts when the scammer tried to get more money from us and realized we were scammed - we confirmed it by contacting the sheriff. We notified the bank and our local police about 1 hour after the payment was made. Since then we have provide all requested information including the scammer 's emails, police report numbers, audio recordings, invoices, etc. The bank notified us by email that they denied the claim. The bank also sent a letter via mail disapproving the dispute dated 1 week BEFORE I sent them all the information they requested. After denying my claim I requested information and explanations from them regarding their investigation such as, who received payment, what was their policy on refunding scammed funds, how they justified the mailed letter stating their investigation was complete and denied my claim before they had all the details, and whether they thought I was trying to defraud them in this matter- they refused my request for all of that information/explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My name was forged on check that was cashed without knowledge or awareness of the check. The funds are suppose to be getting sent to me or the company that wrote the check. However l, the funds are being held and not released.

Company response to consumer: Closed with explanation