vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Delete the late dates and update the statuses of the accounts now. I've disputed and sent letters, but the inaccurate information remains on my report. Take immediate action to comply with the law, delete the late dates, and ensure my credit report is accurate no more delays or excuses! If you don't, legal action will follow. 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 2024-02-21 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Remove the fraudulent accounts off my credit report now! Other bureaus fixed it, so can you. Your lack of action is not just wrong but illegal delete those unauthorized accounts immediately, or face legal consequences. Take this seriously, act now, and ensure my credit report is accurate. I won't tolerate your delay in fixing this remove those accounts immediately! 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: MS

Complaint narrative:
2019 right when XXXX hit many people were out of work and in my line of work as XXXX they decided bot to work with me XXXX shut everything down and being a XXXX  XXXX we have rules in place that support and XXXX XXXX refused to extend my loan nor did they want to work with XXXX on payments the vehicle was taken back and I was out of work due to XXXX  I had no transpiration sine the reclaimed the vehicle, y whole life was ruined and I lost my home drained my XXXX had to maintain XXXX XXXX XXXX XXXX XXXXXXXX XXXX and helping my XXXX  mother and grandmather both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 year apart same moth and a different year

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
It has come to my attention that I provided the Department of Education with a financial instrument in the form of a Master Promissory Note which has been sold. According to the XXXX XXXX XXXX and the Securities Exchange Commission, that would make me an XX/XX/XXXX. I have filed the appropriate documents with the IRS to evidence the financial transaction and a copy is attached. 

The Department of Education has not provided me with the appropriate copy B for the filing nor has my credit report reflected the proper balance on the account. To be clear, I do not owe XXXX nor the Department of Education. The Department of Education owes me for the use of my securities ( aka financial assets ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Between XX/XX/2023, and XX/XX/2023, XXXX XXXX XXXX XXXXXXXX credit card balance decreased by {$14000.00} from {$14000.00} to {$27.00}. 

At that same time Trans Union cited this decrease in the amount owed to XXXX  XXXX XXXX as justification for DECREASING my credit score by XXXX points! 

Trans Union has refused to explain this change in my score. They responded by merely sending me a copy of 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 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
In XXXX  XXXX said they had to charge me for a new phone when I had my phone number fraudulently stolen from me and I needed just a new phone number to be connected to my old phone. I received no new phone. The manager of the store at the time said the fee could be removed later. He then told me on another day that I should call customer service to remove the fee. Customer service told me I had to go to the store. I argued with XXXX for months and they would only let me leave continuous voicemails for the fraud department. I had to leave it alone. I refused to pay $ XXXXsomething that I never owed, for a phone I never bought and was never given. This debt was bought and sold debt at least one other time over the years. As of this date, it has been almost exactly 7 years since this was charged to me from XXXX. This new company, Jefferson Capital Systems LLC, charged this to my credit XXXX. This should be illegal. This debt is XXXX years old. It was fraudulent to begin with. The feedback about them is abhorrent. You really need to look into this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've explained what happened numerous times, so I'm obviously frustrated with not getting all my money back yet. They did send a check for XXXX XXXX. But XXXX XXXX was stolen, XXXX from my checking + XXXX from my savings. And it seems they keep making excuses about why or what this & that etc etc more bs. I've got a few letters from them I could've attached to this with some of their excuses but whatever. Anyway, it really sucks that they haven't paid me back the XXXX so far. But I'm not gon na stop bugging them until hopefully they do pay it back. Because it's the right thing to do. Thanks.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear cfpb I am writing to file a formal complaint against Bank of America regarding unresolved repayment issues. Despite numerous attempts to rectify the situation, I have been met with insufficient responses and a lack of assistance from the bank. 

I have diligently attempted to make payments towards my account with Bank of America, but due to unforeseen circumstances, I have encountered difficulties in meeting my repayment obligations. Despite reaching out to Bank of America on multiple occasions to discuss alternative repayment options or to negotiate a manageable payment plan, I have received little to no cooperation from their representatives. 

Furthermore, the lack of communication and support from Bank of America has only exacerbated the situation, leaving me feeling helpless and frustrated. Despite my best efforts to resolve this matter, I have been left in a state of financial distress with no viable solution in sight. 

I believe that Bank of America has failed in its duty to provide adequate assistance and support to customers facing financial hardship. Their unwillingness to work with me to find a feasible repayment solution is unacceptable and goes against the principles of fair and responsible lending. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and intervene on my behalf to ensure that Bank of America fulfills its obligations to assist customers in need. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this issue. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
My mortgage company, Mr. Cooper ( also known as XXXX XXXX XXXX ) has turned out to be difficult at best to work with. I went through a XXXX  XXXX Bankruptcy and my mortgage was sold off to them from the original lender, XXXX XXXX XXXX. I have paid back all of the money I owed during the bankruptcy and it has been closed/discharged by the Bankruptcy Trustee XXXX XXXX XXXX XXXX XXXX My issues are as follows : 1. I am enclosing a copy of my XX/XX/XXXX statement. Which did not match the amount owed to them. On the statement it clearly states that of {$9600.00} cents owed from the bankruptcy only {$7700.00} has been paid with a balance owing of {$1800.00}. Attached if my letter from XXXX XXXX, the trustee, showing the entire amount has been paid to them, payment dates, etc and they still haven't credited the amount. 

2. My statement from them usually get here 3 to 4 days before the payment is due on the first of the month, yet they immediately added on a {$70.00} late fee on the first when the mortgage we signed has a 15 day grace period. 

3. One can never talk to a person there on the phone. The automated system is such that it is confusing and never being able to speak to a live person is not helpful at all. 

4. At the very end of the bankruptcy, there was a " surprise '' {$900.00} '' charge in addition to making all my payments back to them. Shouldn't this have been disclosed when they settled on the amount owed at the beginning? 

5. They are now demanding an additional " Escrow Payment '' of {$980.00} before I can make my regular monthly payment on the first of XXXX. I received a letter from them stating my payments were going up about {$85.00} a month to cover this escrow, but now they are demanding it all upfront. 

No where on their monthly statements did I find a " RESPA '' address to file a complaint with, which is my I'm using this system. 

Any help would be greatly appreciated, as this company is known for outrageous fees. This is from their last lawsuit " A federal judge gave preliminary approval for a {$3.00} XXXX settlement in a class action case against Mr. Cooper over allegedly charging borrowers " exorbitant pay-to-pay fees. " XX/XX/XXXX '' and I'm being fee 'd to death. 

Thank you for any help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 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 non-monetary relief
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It Also states consumer reporting agency can not furnish your account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conventions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-02-21 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/2023 there was an unauthorized transaction for {$240.00} taken from my checking account via XXXX XXXX. Someone asked to use my phone and ended up sending themselves money unbeknownst to me at the time it occurred. When I noticed later that day I initially attempted to contact XXXX and was told I needed to file the dispute with Chime instead. Chime denied my dispute without ever providing me any reason as to why the dispute was being denied and then subsequently closed my account. This has left me no avenue for recovering my funds from the unauthorized transaction. I want the {$240.00} returned that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My dispute was delivered to Transunion XX/XX/year> Why am i yet to Recieve any investigation results

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 2024-02-21 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 non-monetary relief
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00}.

Company response to consumer: Closed with non-monetary relief