vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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:
The credit bureaus stated that they have properly investigated but how is that possible if the accounts are showing past due amounts on charged off accounts this is ground for removal I have made several disputes with XXXX  XXXX account # XXXX # XXXX I contacted XXXX XXXX back in XX/XX/XXXX and was referred to call XXXX and XXXX I originally called XXXX XXXX because the account was charged off at {$2400.00} but had a past due amount of XXXX and the other account was charged off at XXXX with a past due XXXX which XXXX XXXXXXXX advised me to call the collection agency according to the fcra once these accounts are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount at that higher then what was charged off this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. I have been disputing since last year and at this point I am asking for immediate DELETION for inaccurate reporting with the Bureaus I have made several disputes from XX/XX/XXXX XX/XX/XXXX and I have made several complaints with your agency please see all previous complaints They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the 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 2022-05-23 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:
The credit bureaus stated that they have properly investigated but how is that possible if the accounts are showing past due amounts on charged off accounts this is ground for removal I have made several disputes with XXXX  XXXX account # XXXX # XXXX I contacted XXXX XXXX back in XX/XX/XXXX and was referred to call XXXX and XXXX I originally called XXXX XXXX because the account was charged off at {$2400.00} but had a past due amount of XXXX and the other account was charged off at XXXX with a past due XXXX which XXXX  XXXX advised me to call the collection agency according to the fcra once these accounts are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount at that higher then what was charged off this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. I have been disputing since last year and at this point I am asking for immediate DELETION for inaccurate reporting with the Bureaus I have made several disputes from XX/XX/XXXX XX/XX/XXXX and I have made several complaints with your agency please see all previous complaints They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
XX/XX/2022 {$500.00} was sent through XXXX. I immediately contacted Chase bank to cancel the payment and they denied my request because stated by XXXX the payment was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 I received alerts from XXXX via my Citibank account that {$4900.00} was sent to XXXX XXXX. I did not authorize this XXXX and I do not know the person. Whom ever hacked my account continued to send {$500.00}, {$490.00}, {$490.00}, {$490.00}, {$490.00}, {$490.00}, and {$490.00} to various people. The hackers also opened 2 unauthorized checking accounts and put {$5200.00} from my savings into these fraudulent checking accounts, {$2600.00} in each account. I contacted Citibank and after several hours, I finally got ahold of someone and it took several weeks to get someone to help me. Citibank credited some of the initial XXXX balance and continue to ignore the other XXXX. XXXX is not a service I use often and I would never send so much money in one day in a 2-hour window. I froze the accounts, changed my passwords, and contacted the credit companies. I changed my email password because I started receiving thousands of spam from websites I do not use. I have filed a dispute with Citibank twice and my claim continues to be denied. I have had almost {$9000.00} taken from my checking and savings, there are two checking accounts separate from my primary account that have been without my authorization and Citibank continues to ignore my pleas. I have signed up for XXXX and frozen my credit with all three of the credit Bureau '. I have been a customer with Citibank for over 15 years and this is the worst treatment I have received by any financial corporation. I am a XXXX, with a family and I can not accept that they are just allowed to do this. XXXX and Citibank need to be accountable.

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 2022-05-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had contact the companies and they always tell me that they will remove inquiries but they don't I have been going back and forth with them for months with any luck. this is my last resource,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: ProCollect, Inc.
State: FL

Complaint narrative:
Dear Credit Bureau XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

PRO COLLECT, inc Act - XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-05-23 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: FL

Complaint narrative:
Subject : Error in my Payment History - One Late payment Mark - XXXX : ( Account Number : XXXX - XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to you in order to ask you to help me with my problem in my payment schedule. I have never been late in my payments for the car. Recently there was accrued probably error in the bank or poor autopayment policy that resulted in the late payment. I do not know for what month but the late payment mark appeared in XX/XX/XXXX in my credit report. If you download my payment schedule you could see that I have been paying always on time. I am very reliable and accurate person and my credit history is very important for me. 
Please I am kindly asking you to consider the option to remove negative late payment from my credit report. Unfortunately, my score was decreased for XXXX points and it killed my plans about the mortgage for my family. Its very important because I have a big family and I will appreciate your kindness. I wrote few times to XXXX XXXX XXXX but I have not received any answer or help so far. I hope based on my brilliant background with payments you are willing to cooperate with me on erasing this one late mark from my credit report. 
Please remove this one late payment remark from my schedule in credit reporting system. 

Thank you so much in advance for considering my request. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XX/XX/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 2022-05-23 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: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account has violated my rights America Honda Finances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( To have all late/missed payments be removed from all of the account above in order for my credit history to get back to what it used to be ) 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it a ; so states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reached out to Wells Fargo claim assistance center to take a look at these transactions and refund my money as I did not authorize any of these charges made under my name through XXXX with the merchant called XXXX. They says its been so long and wont be able to help I need my money back. Following are all the charges made under my account through payment with my credit and debit card. 

All the amounts are in dollar 
Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX a fraudster by the name XXXX XXXX XXXX opened 2 accounts on my Wells Fargo checking account. He changed email notifications as well as changing address and my phone number associated with my account. So I wasnt made aware until after I made a deposit to one of the fraudulent accounts because he had made that one the primary account. And I noticed that email was not mine when I requested the transaction receipt to send to my email. I went into Wells Fargo spoke with a banker but was unable to help since I wasnt able to verify myself because of no proper form of ID. I had to wait another month until I received my new passport at that time it was late. I went in to Wells Fargo only to find out that XXXX $ was gone and left me with nothing but a debt of XXXX $ Ive spoken with the bank but its been over 2 months now and I still havent gotten my money back. I am at ropes end. Because of this my credit score has gone down and I havent been able to make new deposits in fear that money might go missing as well. I need to make payments to credit cards I have and I dont know how since this account was used primarily to pay my cards.

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 2022-05-23 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX did not have my permission to pull my credit report with all the companies on the letters. They have admitted their mistake and wrote letters, I have sent the letters to the companies and they are STILL on my credit reports. I have sent the letters as well to the credit bureaus and they will not delete them. All documentation is attached.

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 2022-05-23 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: Global Lending Services LLC
State: TX

Complaint narrative:
XXXX XXXX did not have my permission to pull my credit report with all the companies on the letters. They have admitted their mistake and wrote letters, I have sent the letters to the companies and they are STILL on my credit reports. I have sent the letters as well to the credit bureaus and they will not delete them. All documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I completed a Mortgage Assistance Program Application with PHH Mortgage. PHH Mortgage sent me a letter dated XX/XX/XXXX that my account was approved to enter into a Trial Period Plan under the Flex Modification. To be considered for a modification, the proposed trial period payments must be completed by their due dates. All 3 trial period payments were paid prior to their due dates. 

PHH Mortgage then sent a letter on XX/XX/XXXX stating that I was eligible for a Loan Modification which would permanently change the terms of my mortgage. I followed all the steps in the letter to accept the offer from PHH Mortgage. Unfortunately, PHH Mortgage sent another letter dated on XX/XX/XXXX because the initial letter sent on XX/XX/XXXX had the incorrect information. PHH did " NOT '' indicate that the second letter was replacing the first letter due to an error on their behalf ... thus resulting in it not being sent by the XX/XX/XXXX. Not only did PHH not explain that this was replacing the first acceptance letter but I spoke with numerous PHH Mortgage representatives to verify that all documentation for my Loan Modification Agreement had been received... .and their responses were " YES '' ... .that I did not need to do anything else on my end. Payments made and documentation received. 

PHH Mortgage sent a letter stating that my Loan Modification was denied because they did not receive my signed modification agreement by XX/XX/XXXX. However, I received a letter from PHH Mortgage on XX/XX/XXXX stating.. '' Once we receive the updated agreement, the account will be reviewed for final modification. Enclosed is a copy of the modification agreement that will need to be signed and returned '' I have all documentation to support what has transpired. The misinformation and errors on behalf of PHH Mortgage representatives has led to my Loan Modification being denied. I truly believe their deception sets up the consumer to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: MI

Complaint narrative:
In accordance with the Fair Credit Act Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It 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 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 2022-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Stratus Financial LLC
State: NV

Complaint narrative:
I applied for a loan to pay for flight school back on XX/XX/2022. 

The creditor notified me that my credit profile was locked and asked me to unlock it. I unlocked the report for them. They called again stating it was still locked and requested a co signer. I added my mother in law to the application. 

It's not XX/XX/2022 and I received an email stating that my loan was conditionally approved. 

I called and asked the loan officer XXXX XXXX if they were able to run my credit and he stated yes, and that I would no monger need the co borrower since they accessed my report and I have a good score ( XXXX as of today ). 

I called back this afternoon to ask what the terms were and the lady stated that they would need an ID, social and Application for XXXX XXXX, my father in law. 

The wired thing about this : I never added him to my application, I added my mother in law ( his wife ) XXXX XXXX. I believe this company researched my mother in law, and her address and found out that XXXX owns the house. Once they figured that out they then proceeded to participate in predatory lending, by asking me to have him added. 


Again, I NEVER added XXXX to my application, and I never even mentioned his name. XXXX would never co sign a loan for me. 

Please help me investigate this issue and this company for unfair practices and predatory lending tactics. 


I submitted an email requesting the withdrawal of my application and destruction of all documentation related to the application. 


Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted capital one - I received a Capital One debit card for a checking account I did not open. The debit card has my name on it and the card number is XXXX exp XX/XX/26. I contacted Capital One about this FRAUD and they stated they could not take any action. I wanted this account closed that is in my name that I did not open and Capital One refused to close it!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had contact the companies and they always tell me that they will remove inquiries but they don't I have been going back and forth with them for months with any luck. this is my last resource,

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