vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to 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 2024-09-11 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: MD

Complaint narrative:
I have had the same loan with XXXX XXXX  for 20 years. I have always submitted the payment via bank bill pay, on time and with additional principal payment. The payment was submitted to the same address for 20 years. XX/XX/year> the bank received payment of {$1500.00} for XXXX mortgage payment. This included the regular monthly payment of {$1100.00} plus additional principal of {$390.00}. The bank instead of correctly applying these amounts, instead applied the full payment to the Escrow account. I did not receive any notice or call from the bank and by chance discovered the mortgage was past due. I immediately contacted the bank to find out what was going on. They discovered the error and correctly applied the payments. I was not given any explanation as to why this occurred. 

On XX/XX/year> the bank received {$1500.00} payment and applied this payment to escrow account. Again, I was not notified of the late payment due status due to the misapplication of the funds. I contacted the bank in XXXX to again let them know of the incorrect application of funds to the escrow account. This was corrected but I was still not informed as to how/why this was occurring.

Subsequently, I was traveling for a month or so. I received notification from credit monitoring agency that there was a change in my credit score. I immediately checked my report to discover that XXXX had reported my loan as 2 months past due and my credit score went from mid XXXX 's to mid XXXX 's. I immediately pulled up the account and discovered the both {$1500.00} payments received by the bank on XX/XX/XXXX and XX/XX/XXXX were misapplied to the escrow accounts. I did not receive ANY notice written or phone call from XXXX before the negative information was reported to the credit bureaus, a violation of the Fair credit Reporting act. I requested an explanation as to why I wasn't notified, why this error by the bank was repeatedly occurring and why they have not fixed the problem. I have been in the process of looking to purchase a new home and this has severely impacted my ability to purchase a new home due to the negative credit score information reported by XXXX. 

I have requested a letter of explanation but have not received any written correspondence and they have not corrected the false negative information on my credit report.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize these companies to pull my credit report neither do I have knowledge of them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never applied for credit with them and I do not have an open account tied to these inquiries

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 2024-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> using my mobile app taking pictures of a check from XXXX XXXX  {$3400.00} on a digital card from Capital One and they have refused to explain why it's being held up and if there's a problem why not release my check so as to take it to XXXX XXXX. Refuse and evasive and even rude. 
The check was sent to XXXX XXXX  by the United States Treasury Department for me XXXX XXXX XXXX. I also have {$200.00}, on another card. I would request that my funds be sent to my XXXX XXXX XXXX account please and close Capital One account and delete my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased a gift card for {$170.00} on XX/XX/year> and still today XX/XX/year> the money has not been credited to the gift card and they keep stalling. Vanilla gift card and been emailing InComm and no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I was given a modification by my bank under the hamp program. Now per your program this is to be at no cost to the consumer. However, the bank added fees which made my mortgage more than it was originally. Also, with this modification I will never own my home, and I was told, and the numbers were explained to me that I would but would have a balloon payment for the amount not included in the mortgage payment. I have called several times and spoke with different representatives XXXX stated I would own the home and there would be a XXXX balance on the mortgage the other stated I would never own it. I have been paying on the home and it has not gone down XXXX bit I owe the same amount on it when the hamp was completed over XXXX years ago. How is this making it affordable if you never can own it? 

I should have filed this sooner I don't see how again a bank can take advantage of a person who could not make payments by taking a {$110000.00} mortgage and turning it into a {$160000.00} plus mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.

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 2024-09-11 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XXXX I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is known as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. On XX/XX/XXXX the Federal Trade Commission issued Stipulated Order for Permanent Injunction and Monetary Judgement XXXX, IT IS ORDERED that the Corporate Defendants and Individual Defendants are permanently restrained and enjoined from advertising, marketing, distributing, promoting, offering for sale, or selling, or assisting in the advertising, marketing, distributing, promoting, offering for sale, or selling, of any Real Estate Coaching Program or any Business Coaching Program. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with Bank of America with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score. 

I request Bank of America dissolve all charges that were charged to me for services I never received from XXXX XXXX and were deemed fraudulent by the Federal Trade Commission. 

Bank of America previously made the statements in their initial responses that " You received benefit from this transaction " which is a false statement. I never received any benefits from the " XXXX Services '' charges in any form. The company XXXX XXXX was shutdown by the Federal Trade Commission. 

In total I was charged approximately {$60000.00} spanning multiple credit cards which were opened by a 3rd party company and charged. In XXXX of XXXX I received a settlement check for approximately {$4500.00} which is no where near the amount I was charged. I'm requesting Bank of America to file a claim against XXXX XXXX and it's defendants through the Federal Trade Commission and dissolve me from these fraudulent charges and update the changes to every credit reporting agency.

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 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I first found out about unusual charges on my credit card when I fully paid my account ( XX/XX/year> ). My balance was close to little as {$100.00} and it spiked up a few days later. When I checked back my account activity I saw multiple transactions that are unauthorized charges. I called the WELLS FARGO bank ( XX/XX/year> ) to dispute these charges and they immediately took it off my account. I also asked Wells Fargo to replace my card so they are very aware my card was lost or a copy of my card was in possession of the person making these unauthorized charges. Several days later the charges came back into my account. I made a call again to WELLS FARGO ( XX/XX/year> ) and they said they will reopen the dispute claims as it was closed and denied by the bank because they made attempts to contact me on my old number registered on the bank that I no longer have possession of. The unauthorized charges weren't cleared and I also got a letter in the mail dated XX/XX/year> saying WELLS FARGO completed their research and found that the disputed charges in my account are valid and appear to be authorized by myself so I called the bank again ( XX/XX/year> ) and I explained in details how XXXX of my expiring cards was tossed into garbage by accident by my partner and it could be the reason for these unauthorized charges on my account. I also mentioned how my XXXX XXXX credit card also had some unauthorized charges and XXXX XXXX immediately cleared it when I filed the claim. I was told that I needed to file a police report to be able to reopen the claim in WELLS FARGO and be taken seriously since it was already closed. The agent advised me to file the police report and call them again to reopen the case. I called again on XX/XX/year> to ask instruction on how to send the police report that I just filed. I was then told to fax it to WELLS FARGO CREDIT CARD XXXX XXXX department and same day I faxed the police report. XX/XX/year> WELLS FARGO mailed a letter saying they completed their research and found that I'm responsible for all the charges made on my credit card as it was apparently authorized by myself. Charges from multiple merchants below are unauthorized and are still in my account. WELLS FARGO is refusing to take it off my account and insisting I authorized the following charges. 

XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX, XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am writing to you with a matter of utmost urgency regarding derogatory remarks associated with an account that I have never opened or authorized with your institution. It has come to my attention that entries on my credit report linked to XXXX XXXX reflect an identity theft incident, which is not only alarming but illegal. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, individuals have the right to dispute inaccurate information and request the removal of such entries from their credit reports. As I have never had any affiliation or account with your company, these derogatory remarks are unjust and must be rectified immediately. 
I require that you take immediate action to remove these entries from my credit report, as they are a result of fraud. Furthermore, I request that you provide every piece of evidence or identification that was used to validate the account in question. This includes, but is not limited to, the original account application, the name associated with the application, and any identification documents you may have on file. 
Identity theft is a serious crime, and the presence of these erroneous remarks is severely damaging to my creditworthiness and financial future. I implore you to treat this matter with the seriousness it deserves and take swift action to address my request. 
Thank you for your immediate attention to this matter. I look forward to your prompt response confirming that the derogatory remarks will be removed and that my request for evidence has been initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, we received a letter from our XXXX XXXX  agent, XXXX XXXX, stating that they had not received the landlord protection renewal premium of {$1500.00} for our XXXX rental home from our mortgage company. The payment was due on XX/XX/XXXX. We contacted our agent and was told it was on error on their behave and we had nothing to worry about, that they were sending out another check. We went the entire year without any worries because we trusted the company. They sent us the cancelled check and told us we could post it into out personal bank, apply it toward our mortgage or apply it back into our escrow. We deposited the first check into our bank for safety reasons, just so we had a paper trail. 
On XX/XX/XXXX, we received two ( 2 ) other letters from our agent. The first letter stated that the check from our mortgage company was returned due to a " Stop Payment '' of the check by them, but we could send in the payment without a lapse in insurance by XX/XX/XXXX. The second letter stated that our policy expired due to non-payment on XX/XX/XXXX. Again, we turned to our agent in Indiana and was told the premium had been paid and we had nothing to worry about. We received the new policy packet from XXXX XXXX in XX/XX/XXXX, so as you can see, why we were confused each time we received a letter. 
Now we jump to XXXX of XXXX. Our XXXX XXXX XXXX rental property received hail and wind damage from the storms during that time period. When we called XXXX to report the damage and get our roof repaired, they stated that we hadn't had coverage since XXXX of XXXX. Oh boy, we were not happy. Of course phone tag started again. Still to this day, XX/XX/XXXX, we have yet to get repairs, but we did find out that a check was cashed by XXXX, we don't know why they are lying to us about this, but we would like some resolve to this matter. Also, if all parties involved claim they never received a check in the amount of {$1500.00}, then why has it not been returned to our escrow??? We found out in XXXX of XXXX that XXXX XXXX owns the loan, why we were not made aware of this sooner, as it could have helped us as an outlet to this problem, is beyond me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation