vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I need assistance from your office asking Wells Fargo Mortgage to reinstate the initial Mortgage rate ( My loan is an XXXX ARM 30 years Mortgage loan, supposed to reset this year, XXXX or XXXX, XXXX  ) that they sent on their mail sent on XX/XX/2022. 
The XXXX XXXX ' they offered me on their XX/XX/XXXX letter was, 3.125 %, letter attached here. later on, they sent another mail on XX/XX/XXXX letter stating my new mortgage rate increased to, 5.25 % effective XX/XX/2022 from my current rate of 3.25 %. 
As a result of this rate increased by Wells, My new payment will be, {$4300.00}, effective XX/XX/2022, according to their letter dated XX/XX/2022. See below all details of my mortgage with Wells incl letter from Wells Fargo. 

Wells fargo sent second letter via dated XX/XX/2022 stating that your 'new rate ' is 5.25 % ( see attached letter named ; 'WellsFargo ... -New.pdf '' ). All of a sudden they reset my ARM Mortgage Loan to a higher rate, increased by 2.125 % from their initial letter ( see Attached named ; " estimated arm..pdf ''. 

I would like your office to intervene on my behalf asking Wells Fargo Mortgage to reinstate the prior rate of 3.125 % stated ( as my 'New rate ' ) that they sent to me via mail dated ; XX/XX/2022. See below all details and attached have their contact details and I have copied my Wells Fargo Mortgage XXXX, XXXX XXXX as well. 

Mortgage Details : Name ; XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Home Loan Financed by : Wells Fargo Loan No. : XXXX Wells Fargo Contact no : XXXX XXXX XXXX Wells Mortgage XXXX XXXX XXXX XXXX ( may no longer working ro Wells anymore ) Loan Type : 7 years ARM, 30 years Mortgage My Current ARM Rate : 3.25 % My current Monthly Payment : {$3.00} -- -- - New Rate ( as per Wells Fargo Mail sent on XX/XX/2022 ) : 3.125 % New Rate ( as per Mail sent on XX/XX/2022 ) : 5.25 % My Proposed Monthly Payment effective XXXX, XXXX  : {$4300.00} -- - Increase of rate 2 %, which is unacceptable. 
Increase of Monthly payment by : $ XXXX, Increase of that much is unacceptable, sice they initially informed me a rate that my loan will reset at, come XXXXXXXX XXXX 

Please help asap. They are trying to force me to pay this rate effectively, XX/XX/XXXX payment. You can reach me at XXXX XXXX for any questin that you may have Thanks 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 2022-09-01 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: CA

Complaint narrative:
Fair credit reporting act, Account XXXXXXXX XXXX XXXX  XXXX Account number XXXX has violated my right. 

15.4.s.c.1681 section 604 A section 2. 

Please remove 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 explanation
Consumer complaint received 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from

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 2022-09-02 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from

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 2022-09-02 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: MI

Complaint narrative:
US Dept of EDUXXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. Transaction history is not to be reported according to the consumer laws. The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.

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 2022-09-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
US Dept of EDU/XXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. Transaction history is not to be reported according to the consumer laws. The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.

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 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went into a branch to apply for a Chase freedom unlimited card on Friday XX/XX/2022 because I was getting a lot of promotional emails, the most recent one on Wednesday XX/XX/XXXX, but also the same one on XX/XX/XXXX, and XX/XX/XXXX, all stating that I would earn {$200.00} cash back if I spent {$500.00} or more in the first three months of opening this credit card and 5 % back on gas station purchases on up to {$6000.00} spent within the first year if I apply before a certain date, the most recent email saying XX/XX/XXXX. When I went into the XXXX chase branch to ask about it and apply, the lady told me that I was getting an even better deal for coming in, that I would get all of that AND {$250.00} cash back. I got the {$250.00} cash back, which is nice, but after putting all gas purchases on that card, and it was a very expensive almost $ XXXX month for gas, they only gave me 1.5 % cash back on those purchases instead of the 5 % I was promised. I called the phone number on the back of the card and spoke with a supervisor on XX/XX/XXXX who informed me that she put a note on my account and that the chase marketing team would either reach out to me in about 7-10 business days or the rewards will automatically come on because I am entitled to what I was promised. Fast forward to XX/XX/XXXX, well after the 7-10 business day period she mentioned, and nobody has reached out to me and the problem has not been resolved. I call them again today and ask to talk to a manger to find out what the status of it is, and I'm told that because I didn't click the link in the promotional email that I am not entitled to the 5 % benefit. She told me that she put another note on my account that I called and that I should hear from the chase marketing team at some point, but reiterated that I am not entitled to the benefit just because I don't follow up with the email link. I argued that I was and that the branch lady promised me I would still get these benefits. Nowhere in their terms of service does it say that the promotion only applies if I click the link. I tried before to follow up with the lady at the branch but she's been on vacation all month and I thought this was an easy problem for chase to resolve without her, but it turns out unfortunately they are giving me a way harder time than I deserve. You can't promise somebody all of these special promotions and just not follow through with them. I would appreciate any help on getting the money that I am entitled to. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NE

Complaint narrative:
I recently received a statement from Radius Global Solutions LLC, the letter is dated XX/XX/XXXX, but I received the letter either early or late last week. The first paragraph states the creditor will accept {$54.00} to resolve my account if the payment is received by XX/XX/XXXX. I attempted to pay the amount listed above online but was unable to. I contacted Radius Global Solutions LLC and was told that the debt was no longer with their agency. After reading the letter to the representative, I was forwarded to a supervisor who informed me that as of XX/XX/XXXX my account had been transferred to another agency. I informed the representative that the letter that was sent to me wasn't being honored and provided the information according to the letter that I had till XX/XX/XXXX to resolve my debt by paying the amount of {$54.00}.

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 explanation
Consumer complaint received 2022-09-01 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: UT

Complaint narrative:
The credit industry standard is that hard inquiries stay on the credit report for up to two years ( 24 months ). Experian had decided to not purge or delete hard inquiries until 25 months. For example, a hard inquiry that reaches age two years on XX/XX/XXXX should be deleted on XX/XX/XXXX not 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 explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: CA

Complaint narrative:
Hello my name is XXXX XXXX I had a prepaid card with the card. Com I request a refund balance on my now close card of {$30.00} which I close due to the request I asked them to mail me a new card to my new mailing address they told me I need to provide valid identification to get my balance I told them my license is expired. They don't want to send the balance to my new mail address but they send a bunch of paper to file a claim to my mailing address all I want is my money be sent my mailing address they can kept their card I am XXXX I do not afford a license for a XXXX dollars to get XXXX dollars back my license is expired I have already explain this to them it was XXXX dollars that was on my card due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 Secti
on 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: OH

Complaint narrative:
I have tried to resolve this issue with Equifax for a while and they continue to violate. They are reporting inaccurate payment history on my consumer report and when i sent them a letter about it, instead of deleting the accounts for the inaccurate lates they reported they just deleted the payment history all together and kept the inaccurate accounts on my report. They are reporting XXXX XXXX XXXX They can not do that! Next i asked for the method of validation and they have not provided that either. Instead they put the Inaccurate accounts on my credit report AGAIN! DUPLICATES! So now i have XXXXXXXX XXXX XXXX on my consumer report which is MOST DEFINITELY INACCURATE! They have the same 9 accounts on my credit report TWICE! The first set they erased ALL THE PAYMENT HISTORY! And The second set of the same accounts they put on my report again with the same inaccurate payment history they put on there the first time! They need to be held accountable and disciplined for their deceptive tactics! Furthermore they are in violation of 15 USC 1681b as well as 18 USC 894.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS
State: WI

Complaint narrative:
lexis nexus was told to delete my infomation under the CA privacy rights | CCPA Compliance Solution California Consumer Privacy Act ( CCPA ) the were told to quit selling my infomation they continued to sell my infomation illegal to do that. i demand they delete my credit file and my clue and lexisnexis reports all of them i opted out and they were told to delete them under the law California Consumer Privacy Act ( CCPA ) my privacy rights are being violated by lexisnexis

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Asked credit companies to do verification. They did and I found inaccuracies on my end. 

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights.

15U.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 INSTRUCTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I spoke to a rep at Experian and advised I have been trying to get my name right on my credit report and address I told him I wanted to dispute it he stated the creditor have reported a lot of names on my report that are not tied to anything at this time I also advise I can not dispute it tell me to call he said he would dispute the incorrect names and addresses. He stated it might take 24-72 hours. Less than 3 hours I received an email with updated status to my name and address dispute. They did not relive anything and just advised ne to call again. 
I have 1 name - XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX Florida XXXX I want my credit report to reflect my one name and one address. They refuse to correct my credit report and I want this fix now. This is I violation of the credit act and they are using all these names that are not tied to me and my name and address.

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 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: AZ

Complaint narrative:
On XX/XX/XXXX I noticed there was a charge on my debit card for XXXX and XXXX that I did not authorize or reconize. I called directexpress dispute center on the XXXX of XXXX and talked to a employee that brout to my attention it looked fraudulant and sugested I cancell my card and file a report and dispute the charges to start a investigation., so I did. He said I would receive papper work in the mail to fill it out right away and mail back. I had moved during this time and there was a delay in getting those papers turned in. I notified Directexpress by the XXXX XXXX or sooner. I called them several times to make sure I had done everything I was supose to.. On XXXX I received the report saying no error accurred so I called them to discuss the disision with the investigation department and she said was I took to long to reoprt it. since then I found the company XXXX XXXX XXXX and the XXXX XXXX  that have been reported as fraud company with lots of victums like me. XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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