vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: IL

Complaint narrative:
I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICED THAT I HAD MULTIPLE LATE PAYMENTS ON MULTIPLE ACCOUNTS THAT I WAS NEVER LATE FOR. CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSIBILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITIES WITH MAXIMUM ACCURACY. I HAVE NEVER BEEN LATE WITH PAYMENTS FOR THE ACCOUNT ( XXXX  XXXX XXXX ) acct # XXXX XXXX XXXX XXXX XXXX XXXX ) acct # XXXX ( XXXX XXXX XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENTS WERE LATE. IF PROOF CANT BE PROVIDED I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE.

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 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
American Express advertises its " Apply with Confidence '' feature on its website. It states " During the application process, select applicants can find out if they are approved without impacting their credit score. If the applicant receives an approval and chooses to accept the Card, only then might their credit score be impacted. '' I decided to try out this feature on XX/XX/XXXX  for XXXX XXXX XXXX. Instead of getting an answer on whether I will be approved or not, the website informed me that further information is needed. I then thought that someone from AMEX will reach out to me to gather more information necessary for this " pre-approval '' status. I never gave my full permission to process or complete the application at that time. Then, after a few days, I found out that the card is being shipped to my address. I immediately called AMEX to find out what happened and never got a satisfactory answer on why the card was approved. Nevertheless, I was able to cancel it right away and the representative also reassured me that I should be eligible for the bonus offer when I do apply fully for the card next time. Since then, I have been trying to apply for the card with the bonus offer, referencing this incident, but only got the message that this is now a reapplication and will no longer be eligible for any offer. I explained the situation multiple times to numerous customer representatives over the last 3 months and got no resolution to it. By wrongly approving for a credit card that I never fully applied for, it not only affected my credit score by processing the application but it also reduced the credit amount on one of my credit cards as a part of the approval process. I feel that their " Apply with Confidence '' feature was simply a bait which they used to collect personal information of the customers. AMEX used the feature inappropriately to collect my information to process the application all the way through without being given an option to " receive an approval and choose to accept the card '' as it advertises.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX XXXX XXXX. 


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX XXXX  Account Number:XXXX  Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account NumberXXXX Account name : XXXX XXXX XXXX Account Number:XXXX  Account name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I believe wells fargo is attempoting to steal hundreds of thousands of dollars from me through criminal lending practices. I entered into a deferement program with wells fargo due to being unemployed from COVID-19 related illnesses. Upon attempting to restart my payments a wells fargo employee told me " you do not have a choice in what program you use. '' i would get no explanation as to why i HAD NO CHOICE. after fighting back and forth with wells fargo and being threatened with foreclosure multiple times i reluctantly signed their paperwork so my family and i wouldnt be homeless. 

i was told by a wells fargo employee when i started the deferement program that the VA disaster relief fund would take all my missed payments and add them in months to the end of the loan. my apr would not change and my monthy payments would not change. 

when i tried to come out of deferement i was told by a wells fargo employee " you do not have a choice in what program you use. '' When i initially bought my house i had a loan for XXXX dollar in XXXX i made near 7 years of mortgage payements. after finishing this entire ordeal with WELLS FARGO and their criminal practices my new mortgage was RESTARTED AT 360 MONTHS, my APR went up close to 7 % and my monthly payments are close to {$2300.00} now. my monthly payment the day prior to deferement was XXXX. 

During the ordeal of preventing WELLS FARGO from putting my family and me out on the street and stealing my house i made THREE PAYMENTS AT XXXX, totaling XXXX dollars. i asked a wells fargo employee " where did that money go? '' and NEVER GOT A STRAIGHT ANSWER. that money went into somoenes pocket just like my near 7 years of mortgage payments. 

I was lead to believe i could recuperate and recover while out of work and " It'll be like nothing ever happened. '' Well a lot did happen. 

to reiterate XXXX. I was told by a wells fargo employee i could utilize the VA disaster relief fund when i inquired about the deferement program initially. 
XXXX. I was told by a wells fargo employee " you do not have a choice in what program you use. '' when i attempted to utilize the VA Disaster relief fund. 
XXXX i was told by a wells fargo employee " your monthly payment wont change, your apr wont change. the only thing that will change is the term of your loan. '' XXXX i attempted to restart my payments and felt as if i was being taken advantage of. 
XXXX i made THREE PAYMENTS OF XXXX and now can not find where any of that money went. 
XXXX i reluctantly singed papers so i could house my family. 
XXXX. MY LOAN HAS BEEN RESTARTED AT 360 MONTHS! 
XXXX. MY APR WENT UP TO NEAR 7 %. 
XXXX. MY MONTHLY PAYMENTS ARE NOW OVER {$2300.00} A MONTH!

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 2023-04-26 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: GA

Complaint narrative:
I have submitted the docs to have this fraud alert removed that I never requested. That was 2 months ago. I have also asked for my number to be corrected at least which they transposed my number for creditors to call me but it's the wrong phone number if I apply for credit. I am about to apply for a HELOC and I need this all corrected. My correct number for the last 20 years is XXXX and should at least be correct in the directions of the fraud alert if not removed from my 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 explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: FL

Complaint narrative:
Its called enhanced recovery company. Their phone number is XXXX XXXX XXXX which no one answers its just a recording and then they hang the phone up on you what they are doing is buying old debts from debt collectors and putting them as new debts and putting them on your credit report after 10 years this is ridiculous and this should be illegal then when you try to call to fix the situation you cant talk to anyone just a recording. I need some help. This is ridiculous. Things are on my credit report. Shouldnt be on my credit report, something as simple as XXXX equipment not returned when it was returned but they had private contractors at the time picking up everyones equipment, which when I talk to XXXX they said I had no debt with them at all and all my equipment was returned so this is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
In XX/XX/2023, I received my statement from Avant credit card, the balance of which was {$270.00}. I decided at that time to pay the entire balance and close the account, which you can see by the copy of the check from my bank that I did so. The next month I received another statement ( XXXX ) showing the payment but also showing a fraudulent charge from somewhere in CA totalling with interest for {$100.00}. This was a good couple of weeks after I had closed the account and paid it off. I immediately called the company and explained that I had not made the charge and that the account had been closed. All they would do was ask me how much of a payment I wished to make. In XXXX the same thing happened again except now they added on a late fee. I called again and asked to speak to a supervisor and and again got the same result. I checked with my bank but since there was no product involved they said there was nothing they could do. There is a bit of a language barrier in speaking with the supervisors at Avant so I can't tell if they're understanding me fully or not. The last one I spoke to ( XXXX XXXX ) went through my file and all the copies I had sent and sounded like he knew what was going on and said it would be taken care of by the end of that week. I felt relieved and took him at his word. BUT ... not only did I just get a statement for XXXX in the mail, they have added fees onto it to total {$190.00}. Additionally they have begun harrassing me with text messages about making payment. I am quite furious but will try to call and speak with another supervisor today. I finally got your number through XXXX and was advised to file a complaint here as well. I realize this isn't a large sum of money but for a retired XXXX XXXX XXXX on a fixed income, I shouldnt have to pay for a charge I never made. 
Thank You, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 2023-04-26 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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. They have removed one after agreeing to remove both its been3 months Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payment were late. If proof can't be provided I demand these payment be updated to on time as they should be as I was NEVER Late. Thanks

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 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATIONAL CREDIT SYSTEMS INC After reviewing my credit report i have noted some discrepancy on Account Number XXXX XXXX validation was requested and none was provided. I have not received any correspondence from them only harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I just got out of prison XX/XX/XXXX and starting my own business in XX/XX/XXXX I discovered I was a victims to identity theft and been steady trying to recover... 

Lobel financial is a lender I discovered works exclusively on loans for cars... 
They have approved a loan for someone else other than me but with my name. They allowed a car to be leased to someone that I don't have... I've contact credit bureaus lobel financial and made police reports with the local department and filed with the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XX/XX/XXXXACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XX/XX/XXXX ACCOUNT # : XXXX ACCOUNT NAME : XX/XX/XXXX ACCOUNT # XXXX ACCOUNT NAME : XX/XX/XXXX ACCOUNT # 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 2023-04-26 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: MI

Complaint narrative:
In the past year, I have had different incidences of identity theft. Due to these incidences, back in the spring of XXXX, I put a credit freeze on all of my credit reports along with putting a freeze on XXXX to prevent bank accounts from being opened in my name. I also put identity theft alerts at these entities. 

COMPLAINT : Today ( XX/XX/XXXX ) I found out that XXXX accounts ( checking and debit ) were opened at Citibank AFTER they had contacted XXXX. I verified with XXXX that the freeze was in place. The rep at XXXX stated they can only report- they can not guarantee what the banking institution will do after they receive the XXXX report. I am angry and frustrated that I have done all I need to do to protect myself yet Citibank is not doing their due diligence to protect me.

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 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TN

Complaint narrative:
Servicer refused to remove PMI ( which is a violation of federal law ) after I provided verification of home value and loan being less than 80 % of that value. I provided comparables and justification and was willing to do an appraisal, but they would not do an appraisal because they say that there must be significant home improvements in order to justify the value. 

Such a rule from their " investor '' they say -- according to all that I have read online on federal code, there is no such justification for such rule, and that rule in this situation is causing the servicer to violate federal law. I plan to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
The lender 's conducted a corporate assignment. Reduced my payment from XXXX to XXXX then initiated foreclosure against me for the shortage it created. My payment was unapplied and my home is scheduled for sale on XX/XX/2023. 

Why did my mortgage payment change? May I receive a copy of the new modification agreement and pay schedule?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I want you to update this account as I am never late in this account.

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 2023-04-26 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: OK

Complaint narrative:
XXXX has been reporting inaccurate information in the form of 7 accounts, different amounts and dating back as afar as XXXX of XXXX. There is only payout information on the report starting in the year of XXXX. Equifax has to be an elaborate mechanism as evidence by the lack of accuracy in my report. May this also stand as a formal request of " VALIDATION " of a debt to XXXX, as provided in the Fair Credit reporting Act. I am requesting to see any and all contracts with my signature as well as the ORIGINAL INSTRUMENT OF INDEBTNESS. If these accounts can not be validated, then they must be deleted Done in Good Faith XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
Note to the CFPB : Complaint XXXX was not a duplicate complaint. It had ZERO to do with Complaint XXXX. Two completely different disputes/transactions. If you paid attention to the documentation I submitted, or even just the what would be a fair resolution to this issue sections, you wouldve seen that! Now you just wasted 10 days, as well and my time having to submit another complaint. Please start paying attention to consumer complaints and do not close this complaint again Complaint Against Business ( Lets try this one more time! ) : I am so sick to death of this. Every single dispute I've filed with these people comes back denied for no good reason whatsoever. Every single time they act like I don't send them enough documentation, and I always do. Sometimes I send them more than enough! This needs to stop!! If I have to file one more complaint here regarding a dispute, next I am filing a complaint with the New Jersey Department of Banking and Insurance!!!

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 2023-04-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX, XXXX # XXXX, Account Name : XXXX XXXX  XXXX # XXXX, Account Name : XXXX  XXXX XXXX XXXX # XXXX, Account Name : XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.

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