vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom it may concern, In XXXX, I opened a UMB credit card ( the card number ending XXXX ) that offered 0 % APR on purchases till XXXX. 

Unlike my other 0 % APR credit card, the exact 0 % ARP expiration date is not listed on credit card statements or anywhere in my online account, I web messaged the customer support inquiring about this information and got a response that my 0 % ARP will expire on XX/XX/XXXX ( screenshot available ). However, I got an interest charge on XX/XX/XXXX though I paid the minimum balance for the corresponding billing cycle. 

Since XX/XX/XXXX, Ive made repeated attempts to contact customer support via web messages and phone calls for the following. But as of today, XXXX, I havent gotten any response or resolution to these requests/inquiries : 1. Interest charge reversal since the 0 % APR expiration date I was provided with is a much later date 2. clarifications regarding the reason for the interest charge, given I was informed of a later 0 % APR expiration date 3. the correct 0 % APR expiration date if the previously given date is incorrect Truly appreciate your time and consideration in addressing this matter! 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Ive been trying to get my answers from the original lender XXXX XXXX  Ive been lie to mislead for many years and Ive have contacted every gov agency including your agency. And have not been successful. My ex employer and family members are involved and the have been filling wrong unauthorized documents and there are house representative title broker agent involved Ive finally know and have that information and proof of this. XXXX XXXX XXXX the title broker insurance agent was never authorized to work or provide my house with insurance or anything. The XXXX transfer my loan to shellpoint and I believe that there wrongful kicjbacks and they discriminated against me and my household they forced this forclosure and have been retaliating again against me the whole time and Ive have not been able to get reimbursed the fha fees presentations fee inspection fees the insurance fees for fha pmi mi and Hazard insurance thats Ive been paying for years and Ive requested the large amounts in impound and escrow account reimbursed. All the wrongful forclosure fees recorded fees title fees and XXXX XXXX XXXX fees and XXXX XXXX fees and XXXX XXXX XXXX XXXX XXXX fees I want the money and answers of and thes fees and insurance fees reimbursed! Ive believe that my family or ex employer XXXX XXXX attorney has been filing lien and other documents and has stolen my home and now I lost my home to greedy investor and Ive contacted XXXX XXXX to have them give me the informations and answers that I have about the new information that was sent to me from shellpoint newrez Penn financial XXXX XXXX. Theses documents are altered and are falsely reported and lies and I dont know were the actual Came from and no one knows. There large amounts of money inpound accounts and I want reimbursement snd my lien release and my all the money I paid after I was permanently XXXX reimbursement cause XXXX  breached the contract and Ive always paid and they failed to pay my insurance and protect my interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I paid off a delinquent collection account it was reported on my credit under XXXX company names one being XXXX and the other XXXX but are both for the same debt. I paid the debt and creditor agreed to remove account but Trans Union has refused to remove the information

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 2023-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aspen National Financial, Inc.
State: MD

Complaint narrative:
I have written Aspen National Collection a proof of validation letter on several occasions. XX/XX/2023, XXXX, 2023, and XX/XX/2023, in which they have failed to respond to any of my letters. Aspen National Collection has also ignored my request to cease all telephone communication and to only contact me via mail, as they continue to call and harass me on a regular basis. Nonetheless, according to the Fair Debt Collection Practices Act ( FDCPA ) debt collectors must provide validation of the debt if the consumer disputes it within 30 days of the initial debt collection notice. ( 15 U.S.C. 1692g. ) I disputed the debt for the following reasons. This is not my account ; the balance being reported is incorrect, this account does not belong to me. Per my request XXXX has not provided sufficient evidence that I owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: NJ

Complaint narrative:
On my credit report, there is an account for XXXX XXXX that is listed as closed and negatively reporting, the account was paid in full and the company even emailed me and agreed to request removal from my credit report because TransUnion was not updating it themselves despite countless letters, calls and disputes done by me. The account is reporting incorrectly and should be removed.

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 2023-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Hi I had an account with wells Fargo 4 accounts which some were closed due to overdraft fees that never were returned also an account that was open with out my consit bfor XXXX XXXX credit which resulted in all credit to show in and against my credit I have reported to them that these account were closed and there was amounts that were fraud but they gave me the run around I been calling them about it since 2017 p

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 2023-09-10 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: FL

Complaint narrative:
transunion is reporting a account that is not mine on my account. I filed a ftc identity theft report regarding this account. Its truly unfair and frustrating this happened to me : this reporting has truly affected my XXXX XXXX in detrimental ways. Ive been very XXXX use to my current finance inadequacy. This inaccurate reporting hinders me from finding a job, trying to rent a apartment or purchase a car.

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 2023-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A theif stole five payroll checks that were made payable to me, ( XXXX XXXX XXXX ). They were able to cash/ deposit the checks without me being present in the transaction. Also, the checks were not properly endorsed, in order to be a third party transaction. The checks literally only had a a mediocre forgery of my name without my prefix ( XXXX ), which I definitely do include in my signature. The institution/banker did not require the criminals to provide a valid form of identitifaction from the original payee, so the checks were processed without my consent. The checks were not flagged for failing to correctly endorse the checks to a third party according to US laws. So all in all wells Fargo helped criminals ( bust ) five checks in one of there institutions, and they are refusing to compensate me for this terrible occurrence. They also are withholding vital information needed to press charges and move forward in the police process. I've been led on for about a month now. My checks were cashed on XX/XX/XXXX and XX/XX/XXXX of 2023 it is now XXXX and wells Fargo has yet to provide me with a reasonable solution to allowing this type of fraudulent activity to take place. I. Had to be in a homeless shelter for weeks before finally being able to afford and apartment, and even then l, I am falling behind only bills and responsibilities do to this devastating loss. Five checks were fruadently processed by wells fargo in total; amounting to around $ XXXX {$4000.00} in total. Wells Fargo still fails to make any attempt to compensate me for their mistake

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collections Acquisition Company, Inc.
State: MO

Complaint narrative:
I paid off a delinquent collection account it was reported on my credit under 2 company names one being Payliance and the other cybrocollect but are both for the same debt. I paid the debt and creditor agreed to remove account but XXXX XXXX has refused to remove the information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: 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  has violated my rights. 
0 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: 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, has violated my rights. 
0 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
The Gramm-Leach-Bliley Act ( GLBA ) is being violated by this company ( Please see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
As per my previous letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have diligently submitted supporting documentation ( including my bank statements dated XXXX of total payments made in full ) to substantiate the discrepancies found on my credit report. Regrettably, the bureau 's responses have consistently claimed that the information has been verified as accurate, without providing any proof of who and how they verified the information or the representative 's response in writing, as I have repeatedly requested in the past 12 letters. I've waited three months since the date of my last request ( XX/XX/XXXX ) for a reinvestigation response and written notice and no reply was given in writing. 

The bureau is reporting the following inaccurate, unfair, unduly, incomplete, obsolete, and erroneous information on my credit report and MUST be DELETED due to repeated inconsistent and inaccurate information being reported.

The bureau is in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) failed to promptly update and correct information furnished to CRAs and determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s2 ( a ) ( 2 ), 623 ( a ) ( 5 ) of the FCRA, and15 U.S.C. 1681s2 ( a ) ( 5 ) ; and the bureau failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565.

I've reiterated my rights as a consumer under the FCRA : 1. The right to have accurate and up-to-date information reported by your agency.

2. The right to removal of disputed inaccuracies and errors on my credit report.

3. The right to a thorough and fair investigation of my disputes.

4. The right to add a statement to my credit file, which I have requested repeatedly.

I have requested, in writing, further details of the reinvestigation on several different occasions, with no proper response from them, if any, acknowledging or providing the requested information in writing.

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 2023-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
Genesis FS has failed to accept the terms of the agreement with XXXX XXXX XXXX. They accepted the payments that means they accept the terms of the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There was an unauthorized Credit check on my SSN from 2 different Banks on XX/XX/2023. I checked XXXX XXXX and Experian and I do see those inquries on my report. I have not made any of those inquries or made any applications with those banks. Can you please help me fix this. Here are the details : 1. Experian Report : Both XXXX and XXXX XXXX has made an inquiry on my SSN which are unauthorized 2. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized 3. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized Can you please remove these inquries from my report. I am working on freezing my SSN so no more unauthorized inquries are made on my account. 

I received a letter from XXXX stating my application for nwe CCard was rejected ( Attached in the document ). I called XXXX XXXX and looks like there are no account linked with my SSN, so must have been rejected as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief