vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My auto loan was paid off on XX/XX/XXXX, and it is showing on my credit report that I am 30 days late! Capital One sent me a lien release letter to my address, letting me know I would need it, to sell, transfer, or trade-in my car, along with the title I already possess. I went to the secretary of state and took the lien release, to receive a free and clear title. I paid {$21.00}, for the secretary of state to do a transaction type, called " Correction Title Only '', and print off my free and clear title. The payoff amount that was paid is {$31000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: PA

Complaint narrative:
For the past year I have been disputing incorrect items on my report. I was told an investigation was being conducted but items weren't deleted off my report while the investigation took place and I never received correspondence of who they spoke to or any information I requested. I sent all letters certified mail and got confirmation they were received. They keep " updating '' the account but it is still reporting incorrect information and they won't correct and delete these items. These negative incorrect items has prevented me from obtaining credit to purchase a home and obtain credit. I never get any documentation of requested information, just a copy of my credit report. The collection accounts have be proven to be reporting fraudulent or incorrect, they were delted but the collection company sold it to another company, and it should back up on my credit report and no one is really investigating my disputes. Just updating what is already on there, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion, and XXXX, XXXX-told me on several occasions that they investigated this matter but it still listed on my credit report as XXXX . I had gap insurance on this vehicle I no longer owe them, which the company has cashed out on. 
XXXX-Reporting on 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 2023-02-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
XXXX XXXX is not a mortgage service company. They hold themselves out as XXXX but in reality, they answer the phone and upfront tell you they are a debt collection agency attempting to collect on a debt. They read you a disclosure on a tape-recorded message before they will speak to you as any debt collector or debt collection agency does. 

Under the CARES ACT set up by Congress a Federal law was enacted CFPB set forth that companies like XXXX and others could not collect LUMP SUM PAYMENTS for Forbearance payments when the forbearance period ended, in my case, it was XXXX  months long. 

XXXX, claims I am XXXX  months behind in my payments and is trying to force me to pay {$100.00}, XXXX, XXXX to bring my account current when in reality they have added {$52000.00} worth of payments to my account, which they know is wrong. I spoke to XXXX XXXX this AM XX/XX/23 about XXXX XXXX  and he refused to discuss the matter with me. I have emailed XXXX also, so they are fully aware of the situation, that I have made them aware of. Yet they are moving ahead with my foreclosure sale. 

I asked for a copy of my modification that Shellpoint granted and then XXXX turned it down, and it has yet to come to me. XXXX XXXX again said that the papers were sent via email to me yesterday to the email address I gave them XXXX. They still have not arrived after XXXX hrs. I have been informed by CFPB that the modification that Shellpoint gave me, that XXXX must honor, just like XXXX must honor the Cares Act, does not allow them to dump {$52.00}, XXXX in the loan amount along with insurance and fees on top of me and then move to foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I bought a 2018 XXXX XXXX XXXX from XXXX in XXXX. At XXXX miles the engine went and I found out by looking up recalls that this car had serious recalls on the engine, transmission, tires, electrical ect. 

I contacted XXXX about the buy back program and they would not take the vehicle back. I contacted an attorney to represent me in a legal case against XXXX for the California Lemon Law and I won they case. To get XXXX to take back the car I had to quit making payments so the would repo it which I did and this has severly impacted my purchasing another vehicle recently. When XXXX got the car back the sold it and put the balance of the loan on my credit. This is fraud I do not owe XXXX any money due to the fact I gave them back the car and it was classified as a lemon and I won my legal case against XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX  EST I checked my Wells Fargo Checking Account and saw my federal tax refund had been deposited. I then used around {$1000.00} to pay bills from the account. I went to log in the next morning and my account was completely gone from online access. I contacted Wells Fargo immediately and was advised the account was closed. They wouldnt assist me. I then called their deposit services department and that representative was able to advise me the following : the account had charged off over night, there was a positive balance on my account of about {$1900.00} and that she could see the bill transactions I completed. She also advised because the account charged off I would have to wait 15 days before they mail me a check or I could go into the branch and have a rush reimbursement filled out by the manager. I attempted to do this and was told no manager was available until after XXXX, but the banker did attempt to help me and was told the same thing I was by deposit services. So I went back at XXXX XXXX  on the XXXX of XXXX. He never came out. Another banker helped me, calling the same department again. And they told her this time that because everything is pending nothing can be done until the next day. I left and went home. At about XXXX XXXX  Wells Fargo emails me saying they closed my account. I called back deposit services again and was advised that there were memos added for the deposits and bills and that I could go to the branch the next day once everything posted. I went to the same branch the next morning and attempted the rush reimbursement request again. The manager was there but had the banker call deposit services. This time they told the banker they cant find my refund at all and that it probably was returned to the IRS but they dont know for sure This is completely unacceptable as I already spent money from the deposit. The account had access when the money went in and I was able to use it then. I also have another account with them that the funds could have been deposited into but they didnt. This is all claimed to be due to an automatic system. This is completely unfair to me and now Im at risk of having my utilities turned off and mortgage payment missed because of their mistake and mishandling of the funds. I called the IRS to see if it was truly refunded and they wont even answer my phone call until 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 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
Hello Respected Agency member, I have incurred toll charges in the state of XXXX  ( comes under XXXX ). 

I was notified thrice and also received mail from collection agency. 

My concern is I was not in the United States while i received the late notices. I was out of United States from XX/XX/XXXX - XX/XX/XXXX. I requested the agencies to dismiss the late fees and either parties deny to change the amount owed. For example, the Collections Agency says while the amount is referred to Collections Agency, the Agency can not make changes to the amount. Similarly, XXXX says they can not change the amount and that only the Collections Agency can change the amount. 

I am ready to pay the original Toll amounts and not the late fees since I wasn't in the US during this time frame when notices were sent. 

Kindly request you to expedite the resolution in this matter. 

Involved Parties : - XXXX - Valor Intelligent Processing Collections Center 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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My XXXX  account number : XXXX On XX/XX/XXXX I finance two puppies with, XXXX  for {$2500.00} with a ninty day same as cash and made a payment of {$440.00} on XX/XX/XXXX and XX/XX/XXXX I paid XXXX, XXXX and the final pay was paid on XX/XX/XXXX of {$460.00} which I've paid this account out in full. 

In XXXX 0f XXXX XXXX XXXX reported to the credit bureau that my account was delinquent which is very untrue. 

I called XXXX on XX/XX/XXXX and the XXXX and XXXX also XX/XX/XXXX with no avail of them trying to resolve this matter nor did, XXXX or XXXX tried to help me in resolving this issues at hand which has caused my credit score to drop and hardship to my living and for me to get a loan form anyone else due to their misleading fraudulent report of me missing a payment. 

These people at, XXXX XXXX XXXX XXXX are misleading and scammers they're fraudulently mishandling my paid in full never late account with their company! 

XXXX XXXX needs to correct my credit report with all three reporting agecny!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My XXXX  account number : XXXX On XX/XX/XXXX I finance two puppies with, XXXX  for {$2500.00} with a ninty  day same as cash and made a payment of {$440.00} on XX/XX/XXXX and XX/XX/XXXX I paid XXXX, XXXX and the final pay was paid on XX/XX/XXXX of {$460.00} which I've paid this account out in full. 

In XXXXXXXX 0f XXXX, XXXX XXXX reported to the credit bureau that my account was delinquent which is very untrue. 

I called XXXX on XX/XX/XXXX and the XXXX and XXXX also XX/XX/XXXX with no avail of them trying to resolve this matter nor did, XXXX or XXXX tried to help me in resolving this issues at hand which has caused my credit score to drop and hardship to my living and for me to get a loan form anyone else due to their misleading fraudulent report of me missing a payment. 

These people at, XXXX XXXX XXXX XXXX are misleading and scammers they're fraudulently mishandling my paid in full never late account with their company! 

XXXX XXXX needs to correct my credit report with all three reporting agecny!

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

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 USC1618 Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXXAccount name # 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crime which antedates the report by more then seven year.

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 explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I already have disputed this account multiple times for the last XXXX  months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from XXXX bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is the third complaint now with regard to Chase Bank. The prior two are number XXXX and XXXX. We have tried to deal with Chase Executive Office, to largely no avail. Substantial funds were stolen by electronic transfer from the account of XXXX XXXX, a resident of XXXX XXXX, California, who is XXXX  years of age ; in fact it is his longstanding retirement checking account. Chase 's own terms and conditions expressly a finite time frame to address this kind of matter, and make clear that records and information will be shared with the customer. Yet nearly one year since the XXXX family brought this matter to Chase 's attention, the Bank has failed and thus we would have to say " refused '' to provide any such records or information. The only item we have received is the Account Agreement itself, which has that very language which Chase has not followed, and which is readily available online. We do not have ( a ) any paperwork to show who changed the account to paperless and then who changed it back, which Chase said happened ; ( b ) we have no paperwork to show where the monies went even though Chase has told us verbally a person named XXXX XXXX was involved ; ( c ) we see on the account statements the funds were pilfered to a XXXX account, but Chase has not provided any paperwork or information about any effort it has made to find out where the funds went with regard to Discover ; and ( d ) we have provided a Declaration under Penalty of Perjury to Chase from the United States Postal Office, attesting to the account statements mailed there by Chase for XXXX XXXX being returned. Chase says it never got anything back from the Post Office, but Chase provides no sworn statement at all. Chase is continually rebuffing efforts by the XXXX  to obtain pertinent documents, records and information from Chase to they may be able to determine who stole the funds. In do doing Chase hurts XXXX XXXX, gives a sense or concern it may be complicit of accountable in/for the crime and possibly thereby covering up. Chase wants to say this is closed which hardly is true. The stonewalling should neither be tolerated nor condoned. Chase is for some reason as far as we can tell hiding the ball by refusing and failing to provide the pertinent records and information as described here. Chase says it will cooperate with law enforcement who communicates with it about the crime, but our communications with law enforcement, both local in California and federal FBI ) indicate that Chase is not cooperating whatsoever with them either. 
The Chase representative is XXXX at XXXX XXXX XXXX XXXX extension XXXX ; fax XXXX ) XXXX XXXX XXXX Chase reference # XXXX XXXX XXXX, email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
There were some international unauthorized transactions to some illegal only gambling site out of XXXX or XXXX. I filed a dispute on XXXX with US Bank Relia Card . 

I was told provisional credits card be added once theyve received my dispute form. 

Ive sent it several times, however it finally showed in their system today. 

I was initially happy thinking finally those credits could be added but thats not the case. 

Today I was told that provisional credits could take up to 45 days. 

Thats not what I was initially told. In fact the EFT Act indicates that they need to be applied after 10 days if the institution is still investigating.

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 2023-02-16 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: IL

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 EXPERIAN HAS BLATANTLY NOT INITIATED AN INVESTIGATION AND HAS NOT SENT ME ANY CORRESPONDENCE THUS VIOLATING 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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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 USC1618 Account name # XXXX XXXX - XXXX XXXX XXXX XXXX I, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crime which antedates the report by more then seven year.

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