vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Aspen Yo LLC
State: TX

Complaint narrative:
Mortgage servicing is being transferred from Gregory Funding ( Account. XXXX ) to XXXXXXXX XXXX XXXXXXXX effective XX/XX/XXXX. XXXX dated XX/XX/XXXX advised me of this. As of today, I do not have an account number from XXXX, so I can not make my XX/XX/XXXX mortgage payment as scheduled. XXXX will not answer my calls because I do not have an account number ; Gregory Funding tells me to be patient. 

I have just come out of bankruptcy and I do not want my first mortgage payment to be reported late to the credit bureaus. Gregory Funding tells me they dont report to the credit bureaus, which makes sense, but XXXX surely DOES. As you can see, Im stuck between two companies with virtually no communication and no way to do the right thing. 

Id sincerely appreciate your help and guidance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-05-31 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On Monday, XX/XX/XXXX, I noticed 2 transactions on my Wells Fargo CC totaling {$5000.00} as well as 2 fees for usage dated XX/XX/XXXX. These were to an online company. This is a company I have used in the past with no issue and have typically paid off my CC balance shortly thereafter. 

the date is question was not my using my credit card. My CC has been linked to my XXXX XXXX and linked to said merchant. The app is also on the phone. During the time at which this occurred, I did NOT have the devise in my possession which also contained, within the app, my login credentials that were saved. 

I immediately called WF and disputed the transactions as fraud I explained that I was not in possession of my devise containing my information and my card. They filed the claim. 

On the XXXX, I saw the charges reappear. I called and, after speaking to 3 different individuals, received no satisfaction. I was told that due to my previously using said merchant, I was deigned. I kept trying to explain the same thing I initially did to the fraud person I spoke to that, yes, I have used this company before. They kept asking me if I had my physical card, was it a chip card, etc. I said I did have all those things but that is not how one would access this app. Then they wanted to submit this to XXXX as buyer 's remorse... ..this is fraud. They refuse to listen to me and, even after I said that is in violation of the reg to deny me based soley off previous transactions, I was pushed off. They are sending it back to fraud per my instruction where it will be declined again. While this may not be a large amount for them, it is for 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 monetary relief
Consumer complaint received 2024-05-31 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-05-31 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: NE

Complaint narrative:
Unauthorized inquiries have been identified 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 explanation
Consumer complaint received 2024-05-31 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-05-31 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express continues to deceive customers to believe that they are on the card member 's side ( even after the XXXX  penalties ). 

Recently, after speaking to several agent, who encouraged me to use their dispute program promising me a fair resolution, I decided to use Amex dispute process in lieu of the merchant 's own dispute program. However, evidently, Amex dispute department did not even read the initial dispute documentation I provided, which should already invalidate the merchant 's defense.

It was clearly stated upfront that I am aware of my responsibility of returning the broken / defective and not as described merchandise. However, per the merchant 's own policy ( attached as a part of the supporting documents ), the merchant is liable to pick up or otherwise assist the buyer ( me ) to return the merchandise. At the minimum, the merchant is required to : 1. Provide an adequate return label ( the one provided was invalid or at least inadequate ). 
2. Provide packing / moving reimbursement.

3. Provide assistance in removing or packing the hazardous material associated with this return. 

All the above was clearly outlined in the merchant 's own policies. Yet American Express did not thoroughly examine all the documentation I provided. I was repeatedly promised a fair and adequate resolution by American Express. That's why I decided to participate and use your card for this transaction. Yet, I am left in an impasse. Because I selected American Express 's dispute program, I am no longer qualified to participate in the merchant 's own program. Now I am out XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-31 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: NE

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-31 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: GA

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. Equifax has violated my rights numerous times. I demand the accounts listed below be removed according to 15 USC 1681, I have the right to privacy and I did not grant Equifax written permission to furnish these accounts. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-05-31 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I assuming a few months back, some used my identity to try and obtain credit with Amazon. SYNCB/Amazon bank .As per my credit report this happened on XX/XX/year>.

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 2024-05-31 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: NE

Complaint narrative:
Unauthorized inquiries have been identified on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NE

Complaint narrative:
Unauthorized inquiries have been identified 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 explanation
Consumer complaint received 2024-05-31 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX I sent Equifax, XXXX, and XXXX XXXX letters and My FTC report asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This is my only name and my only address. I have also attached my FTC report related to the incorrect Information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
FH Cann and associates Inc. has emailed me every month since XXXX and called me repeatedly trying to collect a bill that they say I owe but they won't show me any evidence that I actually owe money or that they have any authority from the creditor to collect it. I want them to stop attempting to contact me and to remove any reports made that I haven't paid this " debt '' that they claim I owe to any credit bureaus that they may have reported me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: NC

Complaint narrative:
I have a debt with XXXX XXXX for unpaid restitution from XXXX with a balance of {$680.00}. After reaching out to the clerk of courts in XX/XX/XXXX, I was advised that Collection Management Company now owns the debt. Upon going in person, I noticed that the office looks abandoned, no one to speak with in person, and the hrs of operation are very limited. I called their number on XX/XX/XXXX and spoke with XXXX. XXXX told me that I owe balance of {$850.00}, which includes a 20 % fee. After I begun to question XXXX about the fee and balance, she became very irritated and and began to do some math on her end to better explain. I advised XXXX that I can't just take her word for it and that XXXX needs to send me a itemized bill to reflect this fee. I received a letter date for XX/XX/XXXX. In that letter, there are multiple line items that include but aren't limited to " As of XX/XX/XXXX, you owned XXXX '', " You were charged this amount in interest, XXXX '', You were charged this amount in fees, XXXX '', etc. My concern is that the the legal court docket, shows a balance of XXXX. I called after receiving the doc and XXXX told me that they didn't receive the account until XX/XX/XXXX, I'm confused on why they would send me a bill with a balance date prior to when they received it but somehow added a fee in there. I advised XXXX that they can't just tell people there's a fee without providing proof of it. I then received another letter that was typed out to me stating that they charge 20 %. In any case, 20 % x XXXX, is NOT XXXX. I would like all alleged fees waived/removed. This is much more impactful than everyday credit collections, Credit Management Company is collecting on behalf of XXXX XXXX, ultimately keeping people on probation/parole due to unpaid court fee, fines, etc. This is a form of systemic oppression when people are given made up fee to increase the amount they actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX XX/XX/year>, XXXX XXXX. called both my home and cell phone to ask if I had applied for a credit card on XXXX XX/XX/year>- which I had not. XXXX XXXX put me through to their fraud/card services department and closed the inquiry and informed me it would take 5-10 days to file the notification of fraud. When I returned home on the same day, I had 4 new alerts from XXXX that a total of XXXX credit inquiries had been made on XXXX XX/XX/year> on my account. I logged into my Experian account and noted that they were XXXX XXXXXXXX, JPMCB Card, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I called Chase ( JPMCB ) and they indicated that an application for a Chase Sapphire card had been submitted with my data. JPMCB also stated that they had closed the inquiry on their end already but I would receive a notification of this incident in the mail in 5 - 10 days. I tried to call XXXXXXXX XXXX XXXX but the number listed on XXXX did not work so I called XXXX to manage disputing the inquiries as they were fraudulent. XXXX sent confirmation that my disputes have been opened and added a Fraud Alert to my account. XXXX also recommended that I log a complaint with FTC.gov.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XXXX XX/XX/year>, TD N.A. called both my home and cell phone to ask if I had applied for a credit card on XXXX XX/XX/year>- which I had not. TD N.A put me through to their fraud/card services department and closed the inquiry and informed me it would take 5-10 days to file the notification of fraud. When I returned home on the same day, I had 4 new alerts from XXXX that a total of 4 credit inquiries had been made on XXXX XX/XX/year> on my account. I logged into my Experian account and noted that they were TD N.A, XXXX Card, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I called XXXX ( XXXX ) and they indicated that an application for a XXXX XXXX card had been submitted with my data. XXXX also stated that they had closed the inquiry on their end already but I would receive a notification of this incident in the mail in 5 - 10 days. I tried to call XXXXXXXX XXXX XXXXXXXX but the number listed on XXXX did not work so I called XXXX to manage disputing the inquiries as they were fraudulent. XXXX sent confirmation that my disputes have been opened and added a Fraud Alert to my account. XXXX also recommended that I log a complaint with FTC.gov.

Company response to consumer: Closed with non-monetary relief