vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and 15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports, Capital One is reporting a transaction under my report with my consent and permission, I also received a letter stating that, " We have confirmed this account is no longer being reported by Capital One ''. 
this items shows that it is being reported by Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, and Transunion.com, credit freeze/unfreeze does not work on their web-site requiring a lengthy phone call. This is in violation of FTC credit freeze rules by not making available an online method for placing and removing credit freezes. While they do have an online system, it has not worked for me in over two years. I have made repeated attempts to rectify this situation by calling their call center, and their call center is unable to fix whatever issue is keeping the online system from working. Having a system that doesn't work, is the same as not having a system. The only acceptable reconciliation to this issue if for the online system for freezing and unfreezing credit to work, as it does with the two other agencies or to provide me financial compensation for the additional time required to freeze/unfreeze my credit during work hours at my hourly billable rate of $ 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 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
Rushmore Loan Management Service is aggressively attempting to foreclose on my home. I was diagnosed with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I informed Rushmore Loan Management Service of my medical issues and that my income would be reduced because of treatment and hospital stays necessary to keep me healthy until I can find a XXXX  XXXX. Rushmore Loan Management Service has not provided me with any assistance, in fact, they have been relentless in moving forward with foreclosing on my home. My health has continued to decline because of the stress of the foreclosure. In order to relieve the pressure of this I decided to sell my home. I received a ratified purchase contract and because of this, Rushmore Loan Management Service suspended the foreclosure sale scheduled for XX/XX/XXXX. The sale of my home was scheduled to take place on XX/XX/XXXX. Rushmore Loan Management Service upon canceling the XX/XX/XXXX sale immediately placed another sale date on record for XX/XX/XXXX. Once again, providing stress and pressure to an already heartbreaking situation. The purchase contract allowed for a 15-day extension, which the purchaser exercised. Rushmore Loan Management Service was made aware of the 15-day extension which was provided in the initial agreement; however, Rushmore Loan Management Service has denied removal or postponing the XX/XX/XXXX, sale date. They continue to use pressure and underhanded tactics to foreclose on my home. Their actions are borderline criminal or certainly could fall under the Dual-Tracking law. I also sent a Qualified Written Response in regard to my loan with Rushmore Loan Management Service. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I have never filed for a credit card with any of these companies. Currently going through a fraud situation and working with an attorney to clear up all of these matters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
This account was removed from the previous collection agency, due to the fact that i have never have a dish network service. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-04-27 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: TX

Complaint narrative:
Under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and 15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports, XXXX XXXX is reporting a transaction under my report with my consent and permission, I also received a letter stating that, " We have confirmed this account is no longer being reported by XXXX  XXXX ''. 
this items shows that it is being reported by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and 15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports, XXXX XXXX is reporting a transaction under my report with my consent and permission, I also received a letter stating that, " We have confirmed this account is no longer being reported by XXXX  XXXX ''. 
this items shows that it is being reported by 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 2023-04-27 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: AL

Complaint narrative:
Transunion shows that I have a late payment on my XXXX XXXX closed account. I have never been late on said account and XXXX and XXXX credit reports shows that. I have disputed this with the company a few times dating back to XXXXXXXX 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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I've discovered that over the previous 2 months, my XXXX XXXX through Wells Fargo has charged 2 bogus interest charges & 1 bogus late fee. I just spent one hour on the phone with Wells Fargo to discuss, and I'm extremely dissatisfied with how it was handled, and I have reason to suspect this may be another institutional fraudulent activity that Wells Fargo may be undertaking. Essentially, Wells Fargo appears to be trying to steal from me by charging interest at the DAY the billing cycle ends, instead of the payment due date the following month. Here is the situation : 1st : billing cycle from XXXX I paid my balance in full XXXX on XX/XX/XXXX, for a bill with a payment due date of XX/XX/XXXX. I got charged interest onXX/XX/XXXX of {$74.00}. Interest was charged for the month, EVEN THOUGH the bill wasn't due until XX/XX/XXXX, AND totally ignoring the fact that I paid in full on XX/XX/XXXX ( and paid in full every month prior ). This bill shows an interest charge of {$74.00} on a balance of {$0.00}. What's incredibly disturbing about this is that, after investigation, the person I spoke with said the interest was charged on an amount of ~ {$3500.00}, and that doesn't tie to ANY balance from the month. It seems abundantly clear they charged an arbitrary amount to my account. 

2nd : billing cycle from XXXX : I didn't pay off this card early, so the ending balance for the month should be {$4400.00}. Instead, the balance includes {$74.00} from the bogus interest charge in the prior month, a late fee of {$29.00} on XX/XX/XXXX for failure to pay my interest charge from the prior month, and a NEW interest charge of {$93.00} charge onXX/XX/XXXXXXXX the DAY the billing cycle ends, even though the bill clearly shows that payment is due onXX/XX/XXXX. And once again, the interest charge was calculated on a bogus arbitrary amount that doesn't tie to ANY balance at any point of the month, The first rep I spoke to kept trying to educate me that interest is charged when payment is late, but refused to understand the situation that was taking place. After escalating ( though refusing to do so at first ), the next person I spoke with at least seemed to understand the situation with the bogus interest charges, but spent some time refusing to escalate a reversal of my late fee, which was assessed for not paying a bogus interest charge. Currently, this situation is under review with a " conflict resolution specialist '' and I am not hopeful at all that this will get resolved. I'm so upset that they are clearly trying to rob me, and the folks I spoke with were unable to give me a reasonable explanation of the charges at all.

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 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Can I get check images for check numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX? The dates should be on the PDF I've attached. 

Again you're communicating with XXXX XXXX not 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 2023-04-27 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: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-04-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.

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 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
After reviewing my credit report on XX/XX/2023 I identified a discrepancy with account under Midland Credit Management and validation was requested as this was an account that I did not recognize. I reviewed my credit report again XX/XX/2023 and that account is still reporting without me receiving correspondence showing that the debt was was validated by Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: IL

Complaint narrative:
On XX/XX/XXXX of this year i wrote a letter to Transunion, XXXX XXXX XXXX to notify the Elaborate mechanisms that they are indeed Reporting fraudulent information & A Fraudulent Account on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

They Responded Illegally & Claimed that they were able to verify the account but actually Failed to render any Proof of Investigations or Any Proof at all as Per federal Law that they actually did so. I notified them Unequivocally that their actions would compel me to File a report via the CFPB. 

3 months later & they have failed to Comply with Federal law and me the consumer & is also now Reporting a Late Payment with the Exact same Fraudulent Account that i Disputed, Perpetuating the Damages of my Reputation and my Consumer Profile. 

Their Negligence to Comply with Federal law has caused me Stress, XXXX XXXX, XXXX, Hardship, misfortune, XXXX, XXXX and emotional turmoil. Their disregard for Federal law is Repulsive and is Causing me to lose trust within the Banking System.

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 2023-04-27 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I sent money via wire transfer from my bank ( XXXX XXXX ) to what I thought was the title company at Bank of America. I recieved a call from Bank of America wire fraud department that same evening to verify the wire. I explained that I was purchasing a house. The Bank of America representative that initiated the call to me said that this was a new personal account and not a title company so she was going to cancel the wire and close the personal bank account because it was fraud. She told me to call me bank to have them request my money back. I called my Bank XXXX XXXX first thing the next morning and told them what happened. The person I spoke with at XXXX XXXX filed XXXX requests to Bank of America before they recieved a reply. The reply from Bank of America was that my bank needed to sign a XXXX which released any liabilty from Bank of America and transfers it to XXXX Bank. Since XXXX didn't do anything wrong they are unwilling to sign the form. I contacted Bank of America via email asking if I can sign the form to which they responded and I have to go thru my bank. 
At this point it's been over 7 months and I just want to get my money back that Bank of America is holding. 
Below are the requests that XXXX sent to Bank of America : Confirmation IMAD # for this first request to return is : XXXX on XXXX Confirmation IMAD # for this second request is : XXXX on XXXX Confirmation IMAD # for this third request is XXXX on XXXX Confirmation IMAD # for this fourth request is XXXX on XXXX The amount of the wire sent was {$66000.00} on XX/XX/. 
It was sent to Bank of America routing # XXXX, recipient XXXX XXXX, Credit account number XXXX. 
It was sent from XXXX XXXX account number XXXX. 

Please please help me! 
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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is showing an account as in collection with XXXX management Company. 
When I checked for more information on their site concerning this account it showed XXXX XXXX Account open Account settled for less than amount owed. 
According to the information available on Equifax site XXXX should have reported the account was settled and closed but for a lesser amount than owed. Then the collection should have been removed from my report and XXXX points applied to my score. I did check the other Credit reporting agencies and this account was reported settled and removed as a collection owed. 
Not sure why Equifax didn't. I would of thought with a XXXX balance it would seem the account had been satisfied. XXXX should of reported the account closed when I paid the agreed settlement amount. There were wrongs on both sides. However, I am the one that was affected by the lack of correct reporting. 
Hopefully you will be able to correct the errors. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
Good day, I will try to make this simple... 
Paid Bill on XXXX XXXX XXXX Milestone Master Card / Genisis FS My bill : XXXX Amount requested by company : XXXX Amount Paid : XXXX New expected balance : XXXX Fees : XXXX credit protection XXXX Monthly card fee XXXX Interest totaling : XXXX But current balance is now XXXX ... which means that only XXXX of the XXXX went to the bill. According to the rep at the cc company they add the fees after. I am very confused and angry. I have no problem paying fees but this feels like double dipping if I see my bill total as XXXX and I pay the XXXX my bill should reflect the payment properly but they are adding fees after the fact. I know I am old but I have worked in finance and this is certainly skirting the line if not crossed the line of fraud. 
... at this rate it will take me more than a year to pay off this cc and more than 50 % of my payment is not even going to the total.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: CO

Complaint narrative:
I received damage to my basement XX/XX/XXXX. I filed a claim when I returned from vacation on XX/XX/XXXX. I received a payment of XXXX from my insurance adjuster and I signed it and sent the necessary documents they requested on XX/XX/XXXX. I have been calling Gregory Funding daily and at times weekly as they request and did not get advised of there new requirement that they needed to refer the payment to bankruptcy court before they would release it. I subsequently received a check from my Insurance Aduster for XXXX and i sent it by certified mail and Gregory Funding Claims Department signed for the package on XX/XX/XXXX at XXXXXXXX XXXX. I am now told when I call that I have to still wait untill they hear back from bankruptcy court before they could release the funds. In the mentime my basement is in shambles due to construction and uninhabitable for my grandsons and they are sleeping on the floor untill the basement has been refinished and furniture brought back in. I want to get my life back to where I was before the artic freeze. Please help me get my checks back so I can finish my basement and get back to normal. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX, last four of ssn in XXXX for identification with Gregory Funding LLC.

Company response to consumer: Closed with explanation