vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a letter from XXXX  XXXX XXXX, dated XX/XX/2022, asking me to call them right away because they'd detected suspicious activity on my credit card and as a precaution they've temporarily suspended the account. Afterwards, I called the phone number given on XX/XX/2022, and spoke to the fraud department of XXXX  XXXX XXXX.They informed me that a credit card had been opened in my name of which I informed them that I had no knowledge of. They told me that the credit card was opened with a $ XXXX credit limit and that {$14000.00} had already been charged on the card. They also reported that a payment had been made on the account as well. Since I had no knowledge of this account, they informed me that they would, and did, immediately close the account and I was instructed to make a police report of this incident and to also inform the credit bureau 's of this occurrence. They also told me that I would not be responsible for this debt. My next step was to go directly to a XXXX  XXXX XXXX on XX/XX/2022 to confirm that the letter was actually from them, in which they informed me they could only confirm that the account referenced had been closed and that I should continue to make a police report. The XXXX Police Dept. referred me to you to submit this complaint before we can actually file the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2022 I tried to purchase furniture using my new Costco Citi credit card to purchase furniture for the apartment I had recently moved into, I had used this card to purchase gas a few miles away earlier that day. The purchase was marked as fraud ( when it was not ) and so they froze my card. When I called the tell them it was not fraud I was told to verify my account info, which I did, and from there they told me I couldn't get a code they needed ( for some reason? ) to unfreeze my account via text, which is apparently an option, but for some reason they couldn't do. And was then asked about other phone lines I had for them to call, which once again I didn't have. The only option then presented to me was for them to mail me a piece of paper with a reference code for them to unfreeze my account. Which I told them wouldn't be feasible since the mailing address mail would be frozen for the next month. I was told it was the only option and so I accepted that I wouldn't be able to use my credit card for the month while I waited for the mail to be unfrozen. Flash forward to XX/XX/XXXX and this piece of mail still hadn't arrived so I called them again and they said they would send out another letter. It is now XX/XX/XXXX and I still haven't received it so I called them once again and still my only option is this letter and its now been over 2 months since I've had access to my credit card.

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 2022-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a XXXX mortgage loan opened in XX/XX/XXXX that is serviced by Wells Fargo. I have never made a late mortgage payment ( with WF or any other provider ). 
In XX/XX/XXXX, I requested the mortgage forbearance program Wells Fargo calls " short term payment suspension '' from XX/XX/XXXX - XXXX XXXX ( 3 months in total ). I was qualified for 18 months, but chose instead to resume payments beginning in XX/XX/XXXX. 
Related, under Minnesota Statute 47.20 subd. 9 ( b ), borrowers have the right to discontinue escrow accounts after five years. Wells Fargo was late in notifying me of this right : I was owed notice by XX/XX/XXXX ( five years after loan origination ). They notified me in XX/XX/XXXX, along with a " we're sorry we didn't notify you when we were supposed to '' letter. This timing collided with my request for forbearance, and was declined. 
Now it is XXXX and I have well resumed timely payments, I inquired again about discontinuing escrow payments, but have been told via letter and phone call/s that my " late '' payments disqualify me. I have no late mortgage payments : I used a CARES Act-enabled payment forbearance. 
My complaint, then, is twofold. Wells Fargo considers my forbearance program participation to be the equivalent of " late '' payments. I ought to have no late payment records. Second, my Minnesota statute-enabled right to discontinue escrow account is being denied because Wells Fargo was one year late in notifying me, and ( subsequent to the CARES act forbearance ) now consider me a " late '' payer and somehow unqualified to exercise this right.

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 2022-08-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy Reference Number 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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy Reference Number 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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Carrington Mortgage has placed my mortgage account in credit as 1 month behind.

My account in a COVUD-19 forbearance plan and I also requested to do a COVID-19 Loss Mitigation Program with Carrington Mortgage. As of XX/XX/XXXX nothing has been process completed. But they forward my account to the Credit Bureau as being late with payments. This is the program I was told that my loan could be placed under. 
My loan is a VA Loan which I purchased my home in XXXX. Always on time until COVID-19 cause me to not have job. Please help COVID-19 Refund Modification is a consent from the VA for us to modify your guaranteed loan and the VA purchases a portion of your indebtedness from us. The indebtedness is then secured as a junior lien in favor of VA. VAs junior lien does not accrue interest ; does not require monthly payments ; and only becomes due when the property is sold, the guaranteed loan is paid off, or the guaranteed loan is refinanced, whichever occurs first. This option can allow for significant reductions in your monthly payments, increasing the likelihood that you will enjoy lasting homeownership. It is like the COVID-VAPCP in that VA can purchase indebtedness up to 30 percent of your unpaid principal balance ( UPB ) .The COVID-19 Refund Modification is not a stand-alone option. Instead, VA provides a partial loan refund alongside a the loan modification of the terms of your mortgage loan which targets a minimum payment reduction of 20 %; starting with deferring all arrearages, a potential term extension up to 120 months beyond original maturity date ; and potentially deferring more principal to allow for a payment reduction. You have missed at least one payment covered by a COVID-19 forbearance ; your guaranteed loan was current or less than 120 days past due as of XX/XX/XXXX, or the guaranteed loan was made on or after XX/XX/XXXX ; and you occupy, as your residence, the property securing the guaranteed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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 — Investigation took more than 30 days
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
On a call with Launch Servicing prior to XX/XX/2022 I was told by a representative that my payment was still needed from XXXX. I initially called Launch servicing to complain about there lack of communication and clarity on my new loan, but all was fine. On this call I was ready to pay for my previous and upcoming payment, but out of time convenience I asked the agent if I can the next day. Paying on this phone call was no issue and my bank statements/ available liquidity on file during this call would prove this to be true. Unfortunately, the Launch Servicing agent told me it was no issue of me paying the next day, assuring me I would get no late payment on my report as long as it was done by then. Even doubling down explaining that they would grant me a 1 time removal of generosity if the system was to flag me. The next day I placed the payment and was hit with a late payment on my report ( my first ever late payment and my credit dropped nearly XXXX points over night. I was XXXX years old with a huge focus on building my credit and have done everything for this to never happen ). When I called Launch Servicing the next day they told me they ended their " 1 time removal of generosity '', the day before being the last day, also the day I first spoke with them and was given the reassurance. This is unaccepetable and unfair to me quite frankly and I have everything documented that proves the negligence toward me as a first time borrower that has never had a late payment. I have been back and forth with them now for 8 months and neither XXXX or Launch Servicing seems to care about the situation. Please help this is my first, only, and a false late payment which affects my credit greatly. 

Im unable to upload any files so i uploaded them to this XXXX XXXX that you can view with this link : https : XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MA XXXX Available Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX, XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, PA Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, VA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : 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 2022-08-15 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: Atlanticus Services Corporation
State: WA

Complaint narrative:
I found a delinquency on my credit report on Aspire Mastercard. I called in and they could not find my account. 

I then received a call on a delinquent amount on my account. I told the customer service agent that I tried calling in and they could not find my account. I explained I closed this card and my name changed. I have no way of using the card or account and closed it and then disputed the charges. They were to have someone call me back. No one called. 

I received another call. I then put in an online complaint ( e-mail attached ). I feel like I have been very clear on this. I closed the card, my name changed, I do not owe them any money, I have not made any purchases. Their response is very generic and they just say I can't get a new card. I do not want a new card. I need the charges researched. I think these may be fees from them not completing the closing of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I applied for a Blue Business plus credit card on XXXX XXXX and XXXX XXXX and was denied because Amex said they obtained my XXXX score from XXXX and used it in making the decision to deny me. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.Code 1691c and is Pursuant to civil liability under 15 U.S.Code 1692k. Amex is subject to criminal liability for violating 15 U.S.Code 1691 as I have proof that i was descriminated against by AMEX due to the response I received. AMEX is in violation of 15 U.S.Code 1642 .15 U.S.Code 1681m and 12 CFR 1002 because I, the consumer mad an apllication in good faith, but credit was not issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: NJ

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681a ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( 2 ). | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. All XXXX Dept of EDXXXX

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