vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-01-25 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
Every day multiple calls for months They have called my parents and my job, I am extremely mad at the disrespect and I will not give them a cent. They have harassed me with my employment and lawyers. 
Yes message solely intended here for a one XXXX her nail XXXX this is XXXX calling with Atlantic recovery solutions I'm actually just trying to follow up with you here regarding your XXXX  account at this point my client is ready to move forward him they wan na statement on file in order to address the lunch claim unfortunately due to lack of communication I do have to report this back to my client and they are going to be scheduling a verification of employment if you or your attorney can give me a call back directly here XXXX before my client contacts to XXXX XXXX XXXX my direct number you can reach me at area code XXXX extension XXXX  again that is XXXX to refer to case number XXXX if I do fail to hear back from you I wish you the best of luck

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: NY

Complaint narrative:
I, XXXX XXXX, am of sound mind and body and is submitting this complaint on my own with no third party involved. 


Article 1, section 1 of The US Constitution granted Congress and the legislative branch the authority to create laws that protects the rights of the people granted by the Constitution. When these laws are broken, this is an infringement on such rights. Transunion has infringe on my following rights guaranteed under and/or supported by the US Constitution : Fair Credit Reporting Act- Congress enacted this law ensure fair and accurate credit reporting. Congress states 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. I would have to agree because Transunion has undermines my confidence in the banking with your unfair and inaccurate reporting on my consumer report. In addition, Congress states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been gravely violated by Transunion. Furthermore, under 1681b ( a ) -2 of this law, a consumer reporting can furnish a consumer report with the written instructions of the consumer. I have instructed Transunion on numerous occasions to make changes to my consumer report. I am now aware Transunion is not only breaking the law but your actions are unconstitutional. I am hereby instructing Transunion to make the following changes on my consumer report immediately : Delete the following accounts : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Delete the following inquiries : XXXX. XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Delete the following addresses : XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX Experians full compliance of the law is expected in the matter, 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 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I took a look a my XXXX report and found some inaccurate items on my credit report. A collection for XXXX was listed on my credit report that I am not responsible for. The orginal issues was XXXX XXXX. I am a victim of idenity theft. Below is a copy of the information. 

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$62.00} {$62.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX XXXX XXXX 
Payment Info Original balance {$62.00} Balance {$62.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
ALLY FINANCIAL You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer 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 2022-01-25 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Have spoken to XXXX numerous times about accounts showing on my report that do not belong to me. Spoke to a rep XX/XX/XXXX regarding the inaccurate info and referred to call the bank that holds the account directly. I have called JPCMB ( Chase Bank ) and they do not show any individual accounts with my social security number and are unable to assist me. I then spoke to a rep again XX/XX/XXXX and accounts were being investigated and still remain on my credit report. Today XX/XX/XXXX the accounts are still showing on my credit report and are not linked to my social security number as previously stated and spoke to rep XXXX and he said it is under investigation again to wait 30 days. Again no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Last spring ( XX/XX/2021 ) I purchased a home in XXXX XXXX, FL using XXXX XXXX for my mortgage. During the closing process I was informed by the XXXX XXXX loan officer ( XXXX XXXX XXXX ) in writing and via text message that the FEMA assumable flood policy I purchased provided sufficient flood insurance coverage for the property. I specifically discussed with the loan officer insurance ... homeowners, windstorm and flood and told them I was maxed out and could afford the loan/home if insurance costs were higher. During closing there was no document I signed that indicated the flood policy was insufficient nor any other issue highlighted that indicated there was an issue with the flood policy. Approximately 45 days after closing I received a letter from LoanCare LLC which manages mortgages for XXXX XXXX. They demanded supplemental flood coverage per XXXX XXXX guidelines. I explained to LoanCare reps that I had texts and emails from the XXXX XXXX loan officer that indicated my coverage was sufficient. At that time I reached out to the XXXX XXXX loan officer via phone and follow-up email and she responded via email that the FEMA policy should be sufficient. I forwarded a copy of that email to LoanCare LLC -- apparently to no avail as they purchased a umbrella insurance policy for way above the replacement cost value of my property and charge my escrow account over {$5000.00}. I reached out again to LoanCare to complain and explain that I might need to get legal representation as I considered XXXX XXXX to be in breach of contract. I was transferred to a LoanCare supervisor ( XXXX XXXX XXXX ) who reviewed my information and informed me they should not have taken out the umbrella policy for above the replacement cost value ( RCV ) of my home. She indicated she was cancelling it and the money would go back in escrow and she was reaching out to the insurance agency that transferred my FEMA policy to confirm if they had an RCV for the flood insurance as my current policy might be acceptable. No action has taken place and despite multiple ( over 10 ) calls to XXXX XXXX and to the XXXX XXXX loan officer, no one will now respond to my calls or emails. Additionally, there is no way to contact a live agent at LoanCare as the phone system will only connect you to automated or pre-recorded systems.

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 2022-01-25 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: PA

Complaint narrative:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft & did not make these charges. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission & I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-25 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: LA

Complaint narrative:
The following account XXXX was charged off as of XXXX, 2019. Since then the account has repeatedly been updated as charged off every month to the three main credit beauers. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.

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 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Opened an account with Wellsfargo. They were offering a {$200.00} bonus for opening an every day checking account with {$1000.00} or more in qualifying direct deposits for the next 3 months. Its being 6 months of qualifying deposits for over the limit in a month and theyve never given me the bonus as promised. 

I recently made a similar claim but was mistaken on the amount of the bonus. The important thing is that it was a promotional bonus to open the account in the month that I did and they never gave me the bonus. I opened the account online and the promotional bonus was very clear stated on their webpage.

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 2022-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
charging me a " modification fee '' of {$850.00} which was never included in any of the modification agreement paperwork that I have nor was it ever verbally explained to me. Now that they took my XXXX payment for this " fee '' they ( Mr. Copper XXXX said I never made a payment for XXXX. When I made my XXXX payment they said I owed XXXX and that I never made a XXXX payment. So I have attempted to resolve this matter with Mr. Cooper but have got 3 different answers and not resolved. I feel like that probably this so-called " fee '' should have been in my agreement paperwork or at least told verbally or even an email about this. If so I would have paid this " FEE '' in XXXX because I did not have a payment in XXXX. I made my 3 trial payments in XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ) and then no payment due in XXXX Then my new payments of XXXX would begin in XXXX. I just want Mr. Cooper to acknowlege this error and please apply this XXXX to my XXXX payment and then my account will be up to date with the next payment due in XXXX like it should be. Thank you, XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
Called multiple relatives and gave detailed loan information including amounts. 

Called my friend on XX/XX/2022 and gave her detailed loan information including amounts and settlement offers. Stated she was a co-signer on the loans when she was not and admitted that it was a mistake and she wasnt a co-signer. They had her social security number and information they shouldnt have. The person on the phone gave her her social security number without verifying who she was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
Hello SOURCE RECEIVABLES ; XXXX ; This was removed before and re-inserted under different debt buyer without my knowledge. Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XXXX XXXX, XXXX I went online with Discover Bank to open a Savings account. When I got to part to transfer my funds from my bank to Discover, there website did not take the transfer, for what ever reason I have no idea, and I followed there instructions as said online. So while it was still trying to transfer the money and saying it would only take 1 minute, I called Discover Bank. The gentleman told me wait till Thursday XX/XX/XXXX and if you haven't received a email call us back on Thursday ( XXXX ). On Thursday XXXX, XXXX I called Discover Bank and the guy told me to now wait for a letter to come in the mail. Why? I asked, they said they have to make a decision first,. So waited a week NO email or Letter in the mail... so called Discover Bank again on XXXX XXXX, XXXX and guy told me the same thing " wait for a letter to come in the mail for a decision '' I asked to talk to a supervisor and he said they would say the same as him and refused to push me up the ladder. I feel that they are trying to get out of doing this savings account opening because they don't want to pay the bonus that comes with it. As attached letter shows I have the proper papers to get it, including proper dating ( Offer ends XX/XX/XXXX ) ..and nothing should hold me back otherwise. I qualify. Going for the {$25000.00} for {$200.00} bonus. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received an email from Wells Fargo indicating that I had opened a checking account with them, which was not the case. After speaking with a representative, they informed me that ( 1 ) I should start looking into potential identity theft and ( 2 ) they would be putting a hold on my account and starting a fraud investigation ).

It's now been over a month, and there has been no indication that my identity has been stolen ( after all, nobody has attempted to open a new loan or credit card in my name and my credit score and report at still the same ). Given that, I suspect that it was fraudulently opened by someone at Wells Fargo. 

Additionally, my Wells Fargo checking account is still open and I am getting constant emails from them about adding funds, etc. I have now called Wells Fargo to try to close my account multiple times, but each time they say I have to wait on hold for someone in their fraud department ( which I've attempted to do so several times unsuccessfully, having waited on hold for several hours and listening to mind-bendingly repetitive music ). When I connect with someone from a different department, they tell me that the only option is for me to wait on hold ( as that can't give a time estimate for waiting, don't allow for a customer call back for their fraud department, and don't give you an option to email them ). 

All I want is for my account to be closed and to not be charged anything. There should be an easier way than this.

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