vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MONEY SOURCE, INC., THE
State: AL

Complaint narrative:
I contacted company to advise that I needed to apply for a forbearance, and submitted that paperwork, I never heard from company on forbearance, I then get a letter stating the needed more paperwork, I submitted all of that information online. I sent emails, no response, I requested a manager call me, no call. I got calls from several departments, and each one had no clue what was going on. I need to keep my home, my husband passed, and its been hard. There was no probate due to his will and in state of XXXX, you can simply take over the loan by making the payments, I was never told anything other wise. I was all he had, his spouse and I am just trying to keep our home and get afloat. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I did not give authorization for the following companies to access my credit report. 
XXXX. XXXX XXXX ( spoke with someone about a year ago, and I did receive a letter stating that they will no longer try to collect debt but it will not be removed from my credit report. ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with. 
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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2021 XXXX XXXX  - I received ( and still have ) text messages that I had successfully added and removed payees on my Wells Fargo XXXX account. I wasn't doing any of that. I was on the phone with fraud department while the transaction was still happening, telling them I was not participating. The fraudulent person took the maximum amount they could as it was the first time they were taking money from me. At the time, XXXX had a requirement that the first 3 times you send money, the max you can send is {$500.00}. Wells Fargo conducted their investigation and determined that I had added the thief and because I accepted the XXXX, it was my responsibility. They said I gave the money and actively participated in the transaction. 

I NEVER added those persons to my account, I NEVER authorized the transfer and immediately shut down that checking account to open a new one and have never, nor will I ever, use XXXX again. Even if I do get my money back, I will never use that service again. 

This was not a case of someone tricking me into sending them money. I never spoke to the thieves, I never interacted with them in any way shape or form. I am certain the IP addresses would confirm that but that seems to be too difficult a task for anyone to undertake. 

I lost {$500.00} and I am obviously, still mad about it. A part of me still suspects XXXX coders are somehow responsible.

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 2023-11-14 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
The creditor conducted this inquiry without proper authorization, and it must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The creditor conducted this inquiry without proper authorization, and it must be removed immediately.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00}.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: GreenPath, Inc.
State: HI

Complaint narrative:
I pay XXXX to manage my ( XXXX ) XXXX XXXX XXXX XXXX XXXX. These were credit cards I had. The company negotiated a lower interest rate. I pay the company ( greenpath ) a fee to manage. I have been in this program with these XXXX cards for more than 2 months. On my credit report today it says for XXXX that I am 30 days late on payments. My credit score dropped XXXX points!!!!!! 
XXXX XXXXXXXX XXXX did NOT pay XXXX XXXX XXXX. XXXX XXXX XXXX bank lied to credit agencies saying they did not receive My goal was to raise my credit with this company ; now they have ruined my credit and screwed up my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a capital one venture x card - the primary rewards feature of transferring points to travel partners like other airlines is completely bugged. It is impossible for me to convert my points into miles, which is a core functionality of the card and the entire purpose customers apply for it. We are asked to authenticate through a text message which is never sent or received. Many customers are experiencing this same issue. I have checked with customer support multiple times and they refuse to fix this issue. It is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting 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:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/23 I requested a re investigation/method of verification a collection account is reporting as an open account, XXXX and reporting a past due amount collection cant not report as open nor have a past due reporting this is inaccurate reporting... 15 use 1681s 2 ( 1 ) ( d ) ..15 use 1681 2 ( 1 ) ( b )

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 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The loan was obtained under my maiden name XXXX XXXX XX/XX/23 - We had a used vehicle loan with BMO Harris Bank that had a payoff amount of {$3200.00} which we paid online that day. We received an error message upon submitting the payment, so we called customer service. The individual on customer service confirmed the online payment did not go through and manually processed a payment of {$3200.00} ( different amount due to accumulated interest from 1 day ). After a few business days, both payment described above were deducted from our account ( please see attached bank statement ). 

XX/XX/23 - We called BMO customer service. They confirmed that there was a double payment and that they will send us a check for the refund for {$3200.00}. We were told to call back in 4 weeks if we had not received the check. We confirmed our address. 

XX/XX/23 - We called BMO customer service three times. The first time, the customer service rep was adamant there was no overpayment. After asking him to escalate to manager, he hung up on us. Second time, the customer service rep said they do not handle overpayments and were instructed to call the dealership where I purchased the car. The third time, the customer rep told me to call the DMV where the car was registered. 

XX/XX/23 - After confirming that both the DMV and car dealership were the incorrect avenue to obtain the overpayment, we called BMO back and were transferred to the resolution department. A resolution specialist, XXXX XXXX, confirmed once again that there was a double payment. She submitted a case for us ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). She also asked us to fax our bank statement showing the double payment ( Fax XXXX XXXXXXXX XXXX XXXX ). She told us to follow up in 4 weeks if we hadn't received a check in the mail. She confirmed our address again. 

XX/XX/23 - We still had not received a check in the mail so we called BMO again. We were transferred to the loan department and spoke to XXXX. She confirmed with the account team that a check was sent XX/XX/23 but to wait one more week to call back as they want to allow for 30 days before putting a " stop payment '' and resend a new check. 

XX/XX/23 - We called BMO and were transferred to the loan department where the individual was adamant that there was no double payment.

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Last year someone trying to open my account after they open my account and they deposit the check in my account after that they close my account with the fraud check

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged identity theft but I still have remaining fraudulent items left that need to be removed. I was going through my records & noticed that many files that do not belong to me still remained. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found listed identity theft report 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was online browsing for an airline ticket, suddenly XXXX XXXX offered me a good fare, I was about to purchased it and a window pooped offering me {$200.00} my first statement and XXXX XXXX bonus if I applied for the card, I did, I was approved and they never supplied me with the card to pay for the ticket, so they tricked me to accept the card, check my credit and etc for nothing, Fell like I was scammed.

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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
They put up my interest without informing me and let me go over a {$1000.00} over my credit limit. When I complained and said you put up interest rate without informing me, I will pay off this card and close my account, they just closed the account. They were demanding a huge minimum payment and refused to help me. I've had too fight to be put on a payment plan and they won't include the {$800.00} minimum payment in it. I already put a complaint in through consumerfinance.gov and they refused to reply to the complaint saying the complaints not in my name or under my own details so I've had to submit the complaint again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting 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:
I am writing to formally request the immediate removal of inaccurate late payment entries appearing on my credit report. As a consumer, I have rights protected under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ), which I believe have been violated in this case.

Under 15 USC 1681, Section 604 ( 2 ), my right to privacy appears to have been contravened, given that these late payment entries have been reported without my express written permission. Additionally, 15 USC 1666b states that all, requisite conditions must be met for a payment to be deemed late. I hold that these requirements have not been adhered to in my situation.

Consequently, I am formally requesting the immediate removal of all cited late payment entries from my credit report. Failure to rectify this situation may result in legal action on my part. Furthermore, I reserve the right to increase the demand I anticipate a response within 30 days of this letter 's receipt, confirming the removal of these late payment entries from my credit report. Further non-compliance will leave me with no option but to pursue legal redress. 

Thank you for your prompt attention to this issue. I trust that you will take the necessary steps to correct these inaccuracies. These matters will also be reported to the State legislature, the Attorney General 's office, and the office of the Ombudsman. 




Each and every late payment that has been reported should be removed from my credit report upon receipt of this letter. 
I have previously issued notices regarding this matter and the illegal credit transactions appearing on my report. Non-compliance with this request will push me to take legal action against all the parties involved. 
XXXX XXXX 2 illegal late payments, XXXX Balance {$13000.00} XXXX 2 late payments, account : XXXX Balance {$13000.00} XXXX  1 late payment account XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments of {$9800.00} XXXX XXXX illegal 1 late payment of {$3300.00} XXXX XXXX illegal 1 late payment paid off closed XXXX 1 illegal late payment paid off closed XXXX XXXX XXXX 1 late illegal payment account XXXX {$5400.00} I have attached my letters for your review

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