vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE
State: KY

Complaint narrative:
On XX/XX/2022, my bank sent a check for my XXXX payment. At the end of XXXX, I received a letter from Stockton Mortgage the end of XXXX informing me the mailing address for my payments had changed and this payment was not going to be processed. 
On XX/XX/2022, I updated the billing address online with my bank and sent a payment which was processed as an ACH withdrawal from my account. 
On XX/XX/2022, my payment for XXXX was processed from my account. 
On XX/XX/2022 the check that was sent on XX/XX/XXXX, which the letter said would not be processed, was posted against my account. 

On XX/XX/2022, I checked the Stockton Mortgage online dashboard which showed a late payment over 38 days. I called and spoke to a customer service representative who informed me my payments had increased to XXXX and that is why Im showing a late payment. I told her there were 3 payments sent in a 2 week period between XX/XX/XXXX and XX/XX/XXXX which should have covered the larger payment difference and my account should not be reported as late. 

The representative did not show this check ( dated XX/XX/XXXX, which posted on XX/XX/XXXX ) being credited to my account. I was asked to send copies of the payments made and a copy of the check to this email address ( XXXX ). I have yet to receive a response, or any information and they are still showing me as missing a payment. I have followed up by email and phone and continued to pay and for the last 2 month I have been overpaying because at some point someone told me my payment was XXXX, but online it is showing my payment is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
XXXX Other debt Attempts to collect debt not owed XXXX XX/XX/XXXX XXXX Sent to Regulator FTC XXXX XXXX debt Attempts to collect debt not owed XXXX  XX/XX/XXXX Closed Feed back provided XXXX Other debt Attempts to collect debt not owed XXXX, XXXX XX/XX/XXXX Closed Feedback provided XXXX XXXX reporting Problem with a credit reporting company 's investigation into an existing problem IC System XX/XX/XXXX This problem has been going on and needs to STOP! XXXX continues to send me to different collection companies regardless of previous outcomes. This is ruining my credit falsely and I'm not going to continue to submit what I've already submitted and disputed with each of the listed collection agencies. this is the second time IC Systems in XX/XX/XXXX. Please help me stop these tactics.

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 2022-10-03 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: SC

Complaint narrative:
I'm submitting a complaint to all 3 major consumer reporting agencies. 

XXXX Experian XXXX The accounts and inquiries in question are below. 

XXXX specifically has admitted to giving out incorrect credit scores to lenders. This has affected my credit worthiness with lenders for mortgage and auto loans. I demand for the accounts below to be removed expeditiously because of this error. 

XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX Federal law states that information furnished on my consumer report has to be 100 % accurate. The account information for the accounts above across all 3 consumer reporting agencies are not 100 % accurate. 

Under the laws stated below, I demand to have the late payments/charge offs on these accounts removed from my consumer report.

15 U.S.C 1681b ( a ) ( 2 ) - states that a consumer reporting agency may not furnish a consumer report without written instructions from the consumer 15 U.S.C 1681a ( 2 ) ( a ) ( i ) - EXCLUSIONS - states that a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681a Section 602 ( a ) ( 4 ) - states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, below is a list of inquiries along with the consumer reporting agency reporting them that need to be removed from my consumer report as they are not attached to any account on my consumer report and I have no recollection of these inquiries. I demand that these be removed as well. 


XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Furniture was purchased from Rooms To Go through Synchrony Bank financing. Account was paid in full a few months after purchase. I had a problem with one of the furniture items. XXXX agreed to pick up the item which they did 2 months ago and issue a credit to my previous Synchrony bank account. Synchrony assured me when the credit posted, they would simply mail me a check. Now Synchrony said a " dispute '' was opened on XX/XX/22 and it can take 60 days to resolve. There is no dispute, XXXX issued the credit and I want the check mailed to me as promised. It would also be appropriate if Synchrony Bank paid interest on the amount since they have held on to my refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: NC

Complaint narrative:
My name is XXXX XXXX During the last few months, I starting a process to sell my house to a short sale. 
I got the service of XXXX XXXX  in XXXX XXXX. 

We supposed to get an answer on XX/XX/2022. As today I don't have any phone calls for the bank to let me know the status. 


Following are the events that have occurred since the process started : XX/XX/XXXX, XXXX the Realtors sent the package to Loss Mitigation BPPR via email XX/XX/2022 an email was sent to Loss Mitigation asking for the status of this case XX/XX/2022 XXXX XXXX sent an email to loss Mitigation with some documents requested to me On XX/XX/2022 The professional in charge of the appraisal visited the property I never received the appraisal The Realtor have made many calls to Loss Mitigation and in all of this calls the answer has been that the investor is still analyzing the case I am very frustrated with this case. It has been almost four ( 4 ) months since we started the process and still no communication I need help, I dont want to lose my property

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, i called wells fargo to cancel the new card that was opened fraudulently in my name. on XX/XX/XXXX the impersonator of me contacted wells fargo and they reopened the credit card that i received confirmation of being closed. On XX/XX/XXXX i received notice from wells fargo that the credit card that had been fraudulently reopened now had a balance on it of {$20000.00} of purchases that i have not made since i do not have this card. Wells Fargo has done nothing for me. the impersonator has opened many accounts at wells fargo in my name and i have closed all accounts at wells fargo and they keep reopening them. i need these accounts to be closed and noted that they are fraudulent.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian sent an alert showing that a new account was opened with my local credit union. I called the credit union, and they told me no such account was created. So, confused, I tried contacting Experian to see what information they were getting, and whether somebody else was trying to open an account in my name. 

Nothing in their robot phone tree addresses my issue, they refuse to redirect me to an operator, and their online system was non-functional. So now I have no idea who to contact or how to resolve the possibly-fraudulent alert.

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 2022-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was sick with XXXX and received insurance thru market place which allowed me to purchase a policy which paid 100 % after my deductible which was met after my XXXX XXXX dollar XXXX at XXXX. These other health provider have tried to charge add ons after the fact that are fraud and denied by insurance and the providers sold this junk debt to these collections companies to try XXXX money out of me. These accounts have been dropped on other reports but Trans union still lists these fraudulent debts. My next step will be to contact the attorney general and seek relief or other remedies.

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 2022-10-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
This is a follow up connected to an original complaint - XXXX I have been in contact with Barclays over 15 times by phone, sent two letters via certified letter, and sent a fax regarding this issue. I was told that my complaint was resolved, then they reposted the charges on my account totally over {$5000.00} in fraudulent and interest charges. 

Barclays is a new provider for Old Navy, a credit card I have had for years. They sent out new credit cards which would be available to be used starting on XX/XX/XXXX. I received the cards but never used them and never activiated them. The fraudulent charges occured between on XXXX XXXX, XXXX. I was notified by Old Navy of suspicious charges and immediate reported them as fraud. They said my husband 's card was used for all these purchases, but he has NEVER used an Old Navy card. Below are the dates, charges, and locations. 

XX/XX/XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX Old Navy {$400.00} XX/XX/XXXX XXXX Old Navy {$590.00} XX/XX/XXXX XXXX Old Navy {$490.00} XX/XX/XXXX XXXX Old Navy {$300.00} XX/XX/XXXX XXXX XXXX  XXXX {$210.00} XX/XX/XXXX XXXX Old Navy {$400.00} XX/XX/XXXX XXXX XXXX XXXX {$60.00} XX/XX/XXXX XXXX Old Navy {$510.00} Total = {$3400.00} XXXX, OR XXXX XXXX : XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX {$500.00} Total = {$1100.00} Total Fraud in Both Cities = {$4500.00} Barclays has not sent me any information on their investigations, has been entirely unhelpful and asks me to do the investigation when it is THEIR job. In the past when this type of fraud has occured, the credit card company asked for details and for all the people in our home to send copies of our IDs to help investigate. Barclays simply says a chipped card was used and I am on the hook for it. There has been a lot of mail theft in our area- I had my debit card stolen at the end of last year. 

I have filed a police report in XXXX, OR ( Case # XXXX ) and am in the process of filing a report in the city if XXXX, OR. 

I don't know what else I can do to get Barclays to remove these charges, which were not made by me or anyone in my family or house, on a card that was never activated by me. This is poor business practice and the fact that I have to spend so much time nd effort to clear this up is ridiculous. 

If Barclays doesn't remove these FRAUDULENT charges, I will be taking further measures includuing contacting a lawyer and filing a report for arbitration.

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 2022-10-03 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: FL

Complaint narrative:
XXXX reported to the credit bureau transunion that I did not make an XXXX payment. On their client portal website and in my bank you can see clearly the 2 payments via ACH debit that XXXX charged. I contacted transunion and was informed that I needed to contact the creditor so they can stop reporting misinformation. When I contacted XXXX  the representative refused to help me and said she doesnt do anything with credit. I asked to speak to a supervisor and was told she would send an email and will not be able to get on the line. I tried asking her to please transfer me to a supervisor but before I could finish my sentence She placed me on hold and then came on and said her supervisor XXXX said to email because she couldnt help me & theres no one I can be transferred to.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UPGRADE, INC.
State: MN

Complaint narrative:
I had sent an email to Upgrade requesting information today XX/XX/XXXX very early in the morning when I couldnt sleep. I stated that I am interested or want to apply for their Card with Rewards but wanted to know if they did a soft pull or hard pull on your credit report and then if it was a soft pull would it be a hard pull once I actually applied. The first email they sent explained that I recently checked rates on a partners site but that they couldnt provide me with a loan because. Well the first listed too many requests and my credit report doesnt list any hard pulls so they must be talking about soft pulls which doesnt effect my credit score. I never applied for the actual card and so I called them and they even have an old address listed so this mornings denial was using an old application and I did not approve of. I know soft pulls dont hurt credit but this seems to have hurt my chances with them and in fact another reason was too many revolving accounts and too high of balance on those accounts. When I called he also said I must have applied because they wouldnt do that with an email. But they did and then AFTER the call at XXXX they sent the email actually responding to my email. So I know in fact they put through an inquiry without my permission and 1- I never fully filled and hit accept on any application with them today ; 2- it was incorrect information regarding accounts I currently have ; 3- wrong address which I know I wouldnt have typed in ; 4- I want no inquires if possible unless I know I will for sure get it now that I know soft pulls can also be seen. I have now locked my credit report ( as of tomorrow ) but dont want you not to have access so I this is an official dispute with Upgrade and they wouldnt even listen or inquire why or how this application supposedly appended so I am writing to you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On Sunday XX/XX/XXXX I was purchasing two tickets to an event for XXXX dollars through XXXX  When I had sent the money my number was blocked my the person who I sent it to. I tried getting it back through chase and XXXX and both could not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
Transunion sent me a letter stating that I used a credit repairing service to fix my credit. I did not use a credit repairing service to reach out. I XXXX was the one inquiring to remove the XXXX to fix the issue and not only that neither of the credit bureau left a note one my credit report that you are investigating the account which is a violation and you have 15days to reinvestigation and all 3 took 1-2 months to respond. I sent out a complaint and I gave you 30-45 days the first time the second time 30 days and my issues still hasn't been resolved. I have provided serveral proofs where all 3 were in violation and did not thoroughly complete the review. 

I am requesting to remove the XXXX  due to serveral inaccuracies throughout the time of making the complaint to fix the issue. 

As stated in the previous complaints I have the right to privacy, a Consumer reporting agency can not furnish my account without my written consent also account to the IRS a chargoff is considered an income and income shouldn't be reported per the Fair Crefit Reporting Act. 

My federal protected consumer rights have been violated time and time again by the 3 credit reporting agencies.

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 2022-10-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX sent me a letter stating that I used a credit repairing service to fix my credit. I did not use a credit repairing service to reach out. I XXXX was the one inquiring to remove the XXXX to fix the issue and not only that neither of the credit bureau left a note one my credit report that you are investigating the account which is a violation and you have 15days to reinvestigation and all 3 took 1-2 months to respond. I sent out a complaint and I gave you 30-45 days the first time the second time 30 days and my issues still hasn't been resolved. I have provided serveral proofs where all 3 were in violation and did not thoroughly complete the review. 

I am requesting to remove the XXXX due to serveral inaccuracies throughout the time of making the complaint to fix the issue. 

As stated in the previous complaints I have the right to privacy, a Consumer reporting agency can not furnish my account without my written consent also account to the IRS a chargoff is considered an income and income shouldn't be reported per the Fair Crefit Reporting Act. 

My federal protected consumer rights have been violated time and time again by the 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Mid-Atlantic Portfolios, LLC
State: VA

Complaint narrative:
In accordance with fair reporting act, this creditor has violated my rights under 50 USC 681 section 062 States I have the right to privacy 50 USC section 064 A section 2 states that consumer report agency can't purchase account without my written instruction under 50 USC 1666 B a creditor can't treat a credit card payment under an open a consumer plan as late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I have paid each companies in full for pay to delete and nothing has been removed they're still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The Capital One XXXX XXXX transfer portal has been down for maintenance for weeks and Capital One has not issued any timeline or communication on when this issue will be resolved. All 17 transfer partners read down for maintenance so award travel can not be booked and this is concerning during the holiday travel season. I reached out to capital one via social media and only response I received was this feature has been temporarily shut down for members but no timeline when it will be working again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
This was what I found out was an illegal loan here in the state of VA with astronomical interests rates and was eventually sent to the 3 major credit bureaus and has caused significant damage to my credit rating. The Attorney General 's office has filed a lawsuit and has stated that NetCredit loans in the state of VA are predatory and illegal. Attempted in the past to have them not put it on my credit report and a few years later they did anyway. Seeking legal options now to have this expunged and sue for this issue!

Company response to consumer: Closed with explanation