vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 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: FL

Complaint narrative:
I have reached out to the company requesting that the account be removed. The company is reporting two different accounts on my credit report when it should be one because they are the same. company has yet to remove the account that they are reporting in error which is negatively impacting my credit score.

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 2023-04-10 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: FL

Complaint narrative:
I reached out to the company on XX/XX/. They advise me that they could not provide me any information on the account, as they are not longer the account holder. I requested that they remove the account as it is showing on my credit report twice and showing that I owe double the amount of money which 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo refused to modify the mortgage loan for us and also refused to take our mortgage payments causing us to go into default and loosing our home. We had a law firm that was helping us try to modify the loan and Wells Fargo refused and kept claiming they did not receive our application for modification. Wells Fargo sold our home and we were evicted.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
In XXXX of XXXX, I received a 30  year mortgage from XXXX XXXX XXXXXXXX XXXX ( in XXXX, California ) for my home located at : XXXX XXXX XXXX ; XXXX, California ; XXXX which matches my address on my valid California Drivers License. 

In XXXX of XXXX, I received my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home located at : XXXX XXXX XXXX ; XXXX, California which matches my address on my valid California Drivers License. 

In XXXX of XXXX, I received my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home located at : XXXX XXXX XXXX ; XXXX, California which matches my address on my valid California Drivers License. 

In XXXX of XXXX, I received my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home located at : XXXX XXXX XXXX ; XXXX, California which matches my address on my valid California Drivers License. 

On XX/XX/XXXX, I opened up a " Savings '' account with a $ XXXX " deposit '' at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX California which is less than 6 miles west of my home located at : XXXX XXXX XXXX XXXX XXXX, California which matches my address on my valid California Drivers License. 

On XX/XX/XXXX, I received a envelope from XXXX XXXX XXXX located in XXXX XXXX, with a 'Date of Notice : XX/XX/XXXXXXXX  '' form letter that indicated ( please see " Attached '' scanned letter that is enclosed of it ) stating in effect that " Chex Systems XXXX Inc. XXXX a company that I have NEVER even heard of before XX/XX/XXXX provided FALSE information on me to XXXX  XXXX XXXX  which caused XXXX XXXX XXXX to " DISAPROVE '' my " Savings '' account with this fine bank and refunded me my $ XXXX with an enclosed money order. 

My State of California and my Federal consumer " DUE PROCESS '' rights have been violated by this " Chex Systems , Inc. '' ( company ) because they did NOT even give me any " SPECIFIC REASONS '' why about 2 weeks later my " Savings '' account was suddenly " DISAPROVED '' and closed out. I was born in XXXX, Texas and am a U.S. Citizens. And the above action is unlawful both at the State of California level as well as at the Federal level.

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 2023-04-10 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: GA

Complaint narrative:
There is a collection showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts 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 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Unauthorized transactions were made on my Frost Bank account XX/XX/ totalling {$3800.00} thru XXXX. After XXXX XXXX notified me of suspicious activity in my account with their bank I immediately took actions that day to call Frost and review my account there as well to see if any unauthorized transactions had happened in that bank as well and there were. I called and emailed them that all the transactions made on this day ( XX/XX/ ) were unauthorized. Frost temporarily credited my account. After the claims case the bank decided not to return the fraudulant unauhorized transactions that were made. I would expect that Frost would return my money being that the bank is FDIC ensured. Further Under Regulation E, I would expect them to return my money, being that the charges were unauthorized and I let them know that within hours of the transactions being made. Further, I filed a police report with the XXXX XXXX XXXX XXXX 's REPORT NUMBER : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
At the beginning of XXXX I received a letter stating that there was a bill that was owed for an address in XXXX Texas under the name of XXXX XXXX from a company that XXXX XXXX took over. I spoke with the company and explain to them that I have not been XXXX XXXX since XXXX and I have never resided at that address that they are claiming I received services at. I filed a police report as I was instructed to do and I provided it to them. That police report number is XXXX. As of XX/XX/XXXX, they proceeded to send the account to collections and that company is Mercantile Adjustment Bureau and included my address that I have lived at since XX/XX/XXXX. I called a second time to let them know that this was not me when they sent me another letter saying that they could not verify my dispute. I have been dealing with this for over a year and it still isnt resolved. It is now reporting on my credit report and they have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/2023 submitted a XXXX XXXX police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The XXXX XXXX XXXX verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. I have a Police and FTC report XXXX deleted it, XXXX and Experian still show it I have been passed back and forth between the credit bureaus and XXXX XXXX each of them blame the other this is very frustrating thanks for your help

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 2023-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
My home real estate tax bill has not been paid by my mortgage company ( Amerihome ) since XX/XX/XXXX and has now incurred penalty charges. My county tax office has sent me a final 30 day warning before my property goes to tax sale. I sent the bill to Amerihome on XXXX XX/XX/XXXX and informed them of the delinquency. They responded on XX/XX/XXXX that they were informing their tax department. After 3 weeks I sent a message informing them again of failure to pay my real estate tax. I have not received any response on correcting this issue. On XXXX XXXX they stated they may have paid the wrong parcel number on a property we no longer own. I reached out again on their chatline, they informed me they opened a second case order and the tax would be paid by XXXX XXXX. On XXXX and again on XXXX XXXX I informed them the tax had not been paid. They said they are opening a third case to resolve the issue and they sent me a letter informing me they are still working on it. Meanwhile the County is about to publish my home for tax sale by the end of this month ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I enrolled in auto pay online and it said it was successful. Then i had received a late payment from XXXX XXXX. I tried to resolve issue with them on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to file a complaint against Chase Bank regarding a dispute that was unfairly declined. On XX/XX/2023, I had a pre-booked parking arrangement with a service that was canceled due to overbooking. I quickly searched for an alternate parking service and found one on way.com, which advertised outdoor parking near XXXX XXXX for " {$4.00} '' per day via XXXX XXXX XXXX XXXX. However, after confirming my purchase, I realized that I was being charged " {$410.00} ''. I immediately attempted to cancel the purchase but was unable to do so due to unclear messaging on the confirmation email I received from way.com. I called my credit card company, Chase Freedom, to dispute the charge and was told to cancel via the app and wait for a Chase service representative to contact me for further details. I disputed the amount of " {$330.00} '' through the Chase mobile app due to the deceptive charge. 

I would like to emphasize that I did not use XXXX 's XXXX XXXX parking and went directly to XXXX XXXX 's XXXX XXXX, paying {$170.00} for 7-days of parking. Chase placed a temporary credit of {$330.00} on my account as a result of the dispute. However, on XX/XX/XXXX, Chase closed the dispute in favor of way.com and placed the {$330.00} back on my account, citing that I did not cancel with XXXX. I would like to reiterate that I did not cancel because I immediately called Chase at the moment to dispute the charge. I was never contacted by Chase to provide any supporting documentation, such as my receipt from XXXX XXXX parking of {$170.00}, or the screenshot of the advertised charge of {$4.00} on way.com. 

I am filing this complaint because Chase never received these documents, nor did the dispute resolution team acknowledge my efforts to dispute the services and provide documentation at the time of the charge ( XX/XX/XXXX ). I believe that Chase 's decision to decline my dispute was unfair and unjustified, as I ended up paying a total of {$580.00} to park ( {$410.00} of which, I did not use ). I request that you investigate this matter and take appropriate action to resolve this dispute in a fair and impartial manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: FL

Complaint narrative:
I reached out to the company on XX/XX/2023. They advise me that they could not provide me any information on the account, as they are not longer the account holder. I requested that they remove the account as it is showing on my credit report twice and showing that I owe double the amount of money which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: AL

Complaint narrative:
XXXX XXXX has certified and verified that no such transaction is found in there system for my card! 

This is a criminal lawsuit I can not wait any longer bc I have proof my card was not charged and it is illegal to hold someones money when I have provided proof from merchant whom has no transactions for my card. I am going to blast cash app all over every website possible with bad reviews and to the ceo of this company if I do not get my money today in the amount of {$68.00} you have held with cash app for no reason AT ALL, AFTER I verified with merchant and sent proof of this they have no transactions what so ever for my account or card! 

Please credit my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Account # - XXXX 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - 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.

Kia Motor Finance this is my last warning before I take legal action against your company. Your company is reporting inaccurate information to XXXX, XXXX, and XXXX! This account should be reflecting as paid in full and closed, yet your company is still reporting this account as a paid charge off which is inaccurate.

1. ) Your company are reporting three charge-off for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX. It's impossible for an account to be charged off and still report monthy payments. This account need be updated to paid in full and closed. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency, there's no late payment or past due on this account, yet your company is reporting a charge off. I would have to be XXXX, and XXXX late for this account to be charged off and I wasn't.

2. ) Your company are reporting two charge-off for the month of XXXX and XXXX to XXXX. Remove the charge off for the month of XXXX and XXXX, because the previous month are showing 'paid on time and update XXXX and XXXX to paid on time. I would have to be 30, 60, 90, and 120 late for this account to go into charge off status and I wasn't.

3. ) Your company is reporting a charge in the month of XXXX to XXXX which is inaccurate. In order for a charge off to take place I would need to be 30, 60, 90, and 120 late and I wasn't. The previous month are showing on time payment. This account needs to be updated to paid in full and closed.

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 2023-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I loaded money into a Venmo account. The phone associated with the account I use to load the Venmo account was stolen. Someone used that phone to transfer my money out of my account. As soon as I caught this I contacted Venmo. They allowed one transaction after the other to go on and never said the first thing. Most of the money was gone by the time I realized it. They gave me a credit for my money back. Then they froze my account. I just received a email from them saying they would not be responding to any more emails from me. They have almost {$900.00} of my money how can they refuse to speak with me. They won't let me transfer the money and they won't tell me when I may know something. I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: EQUIFAX, INC.
State: CA

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 U.S.C 1681. CREDITOR-1.USDOEXXXX Account # XXXX CREDITOR-2. XXXXXXXX XXXX Account # XXXX CREDITOR-3XXXX XXXX XXXX  Account # XXXX **CREDITOR-4.XXXX  XXXX Account # XXXX CREDITOR-5.DEPT OF EDUCATIONXXXX Account # XXXX CREDITOR-6.XXXX XXXX XXXXXXXX Account # XXXX CREDITOR-7. XXXX XXXX XXXX Account # XXXX CREDITOR-8.XXXX Account # XXXX15 U.S.C 1681 Section 602 A states that 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 an 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 response to consumer: Closed with explanation