vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I filed a dispute on equifax on XX/XX/XXXX and the results came back on XX/XX/XXXX. The account i disputed was supposed to be deleted and is still showing on my credit report. I called equifax to find out why and they told me the " lender won't let them delete it '' after they investigated and came back with the results to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Because of the pandemic all of my businesses were shut down I did not receive any assistance for about 8 months by the time I did receive help so many things were due .I stayed in communication with servicer the whole time and paid additional fees requested I have no experience with unemployment at all as I am 62 years and I've never been unemployed until pandemic I applied for the loss of Mitigation Program last year On XX/XX/2022 the decision made by this company is for me to pay {$3000.00} for 12 months XXXX payment of {$3300.00} on the XXXX month that's double the mortgage If I don't sign agreement and mail payment of {$3000.00} by XX/XX/2022 they will foreclose they are not even allowing me to make bank transfer payment. 
my fear is on this they could say they did not receive payment by due date and still foreclose To my understanding this company was going to work out a repayment plan that is realistic and doable this is not I hoped they could have spread this out over a few years or at least put on the back end I don't see why they couldn't they did it before when the housing market crashed and I stayed current. 

Currently I owe {$250000.00} interest bearing principal deferred principal {$55000.00} The deferred amount at at market crash went from about XXXX XXXX to currently {$55000.00} I paid extra money monthly to help bring down amount owed The only difference is there was no equity in the home at that time so a realistic plan was put into place. 

Fast forward to pandemic I was out of work for 1 year due to California pandemic protocol when I was allowed to work again i immediately resumed payments now that I have equity in my home I suspect this plan was designed for me to fail so that they can steal my property. 

I feel I'm the victim of a Predatory Lender they are taking advantage of senior citizens and homeowners that fell victim to unemployment pandemic I have every intention of repayment I'm just hoping for for a fair resolution that's all please Help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My complaint stays the same. Wells Fargo violated Wisconsin Consumer Act laws when they illegally and unlawfully repossessed my vehicle. Violating Wisconsin Consumer Act 425.206 ( b ), 425.206 ( a ), 425.206 ( 1 ) ( d ) Wisconsin Consumer Act under 421.301 ( 25 ). 

Wells Fargo damaged, reported negatively after the filing of a chapter XXXX bankruptcy, added unnecessary CPI insurance on my loan, and continues to try to cover up their multiple errors made on my loan file which caused a calamity in my life. I will continue to submit complaints as I continue to fight regardless of if the CFPB is just a posting place. Thus far, I have not seen the need for the XXXX, but I will continue building this platform with complaints. My consumer rights will not continue to be violated.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXXXXXX XXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
On XXXX/XXXX/XXXX I submitted a CFPB report for Experian because they are listing inquires on my credit report. In the CFPB response they stated that the inquires that I am disputing aren't on my credit file, in which they are lying. I believe this is a prewritten response they did not even look at my credit report. I submitted evidence of the proof in the attachments. They also never responded to any of my letters I have sent them and I know they received them because I put a certified tracking on them via USPS. I have contacted all of the creditors that are on my credit report and not XXXX of them could provide me with a document of any credit application with my signature on it. I asked the same for Experian who keeps ignoring my request. I believe they are lying to keep this inaccurate information on my credit report. I am going to put each inquire along with the dates in this complaint and I am going to provide proof that i tried to handle this with the company. 

The inquires that Experian stated that was not on my credit file in the last CFPB complaint : 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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX and upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance XXXX {$1300.00}

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 explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have received your response regarding an ongoing dispute of a reported bankruptcy on my consumer report. In your letter you stated that you contacted the furnisher XXXX XXXX XXXX XXXXXXXX XXXX However, this was found to be false as I have provided you a letter from the bankruptcy court which stated that they Do not provide filings with credit bureaus. 

I have requested a Method of Verification in accordance FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency. Experian failed to comply. 

I have not given Experian or any of its affiliates permission to use my Personal Information to obtain any court filings. Experian has violated 15 USC 1681 ( B ) ( 2 ) and 18 USC 1028 ( a ). For this reason, I am demanding the removal of this record from 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 2022-05-17 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:
In accordance with the Fair Credit Reporting act XXXX  hard inquiries, has violated my rights.

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 a consumer reporting agency can not furnish a account without my written instructions. 


Hard Inquiry - XXXX XXXX XXXX  XXXX : XXXX Hard Inquiry - XXXX XXXX XXXX  XXXX : XXXX Hard Inquiry - XXXX  XXXX XXXX  XXXX Hard Inquiry - XXXX XXXX XXXX : XXXX Hard Inquiry - 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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I pulled my consumer reports on XX/XX/22 and noticed multiple discrepancies. These 3 consumer reporting agencies are clearly just doing whatever they want. They are not following the requirements outlined in the FCRA at all. This complaint is referring to 3 different accounts. The part of my consumer reports where it lists the company 's information who has reported various items on my reports is all over the place. They are supposed to ensure that ALL information pertaining to me is accurate. I am unsure of what information is correct because these are listed multiple times with different information. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

***Please note that the FCRA does not permit you to abbreviate or alter the names of these companies, instead you are to ensure the MAXIMUM possible accuracy of ALL contents. 

Please also let me know how am I supposed to exercise my right as the consumer and dispute with these companies when you all are reporting MULTIPLE addresses and names?

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my consumer reports on XX/XX/22 and noticed multiple discrepancies. These 3 consumer reporting agencies are clearly just doing whatever they want. They are not following the requirements outlined in the FCRA at all. This complaint is referring to 3 different accounts. The part of my consumer reports where it lists the company 's information who has reported various items on my reports is all over the place. They are supposed to ensure that ALL information pertaining to me is accurate. I am unsure of what information is correct because these are listed multiple times with different information. 
XXXX. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

***Please note that the FCRA does not permit you to abbreviate or alter the names of these companies, instead you are to ensure the MAXIMUM possible accuracy of ALL contents. 

Please also let me know how am I supposed to exercise my right as the consumer and dispute with these companies when you all are reporting MULTIPLE addresses and names?

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 2022-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
A letter dated XXXX XX/XX/2022 from Freedom Mortgage showed an electronic transfer from my husband 's bank account was authorized by him to Freedom Mortgage for XXXX Dated XXXX XXXX XXXX, a letter from Freedom Mortgage stated they did not receive the payment by XX/XX/XXXX and that a late charge of XXXX would be added. 
Another letter dated XXXX XX/XX/2022 showed they received a partial payment of XXXX on XX/XX/XXXX, and the funds would be held in suspense until we paid the full amount. 
Three letters dated XXXX XX/XX/2022 notified us of three different things. 
1. Our loan is one payment overdue and the total amount to make our account current is XXXX, 2. They have been unable to contact us regard our mortgage, yet when we call their number we are unable to speak to anyone. 3. That our mortgage payments were not received for months. The letter does not state which months, simply says " We have not received your mortgage payments for the months of through. '' The same letter states that our account is now in default, and we need to pay the amount of XXXX by XX/XX/XXXX. But if our payment is " not accepted for any reason '' the matter will not be resolved and they will begin foreclosure proceedings. 
Once we received the letters on XX/XX/XXXX, we again attempted to call their office and again were unable to speak to a representative or leave a message. Both a hard copy and an online bank statement reflects that the full payment was on time. We have filed for automatic payments 4 times and each time we have been contacted by phone that our paperwork has not gone through.

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 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have ordered plain checks from Ally, which are sent without charge, and I was charged for them. 

Ally Bank has no ability to answer phone calls or customer service texts at this time. They are unreachable for any correction of this charge, which means they have stolen money from 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 2022-05-17 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: NJ

Complaint narrative:
On XX/XX/2022, I requested a description of the reinvestigation procedure that Experian used to verify the accuracy of the accounts. Per 15 USC 1681 ( I ) they had 15 days after receiving my request to provide that information. Its now XX/XX/XXXX and Ive yet to receive anything and they are past the 15 days required by law to provide the documentary evidence.

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 2022-05-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX Account XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX, Account XXXX Has violated my rights.

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 a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a claim with Well Fargo on XX/XX/22 regarding charges on my debit card for products not received. The charges totaled {$3000.00}. It is now XX/XX/22 and no provisional credit has been issued to me nor any communication from Wells Fargo regarding my claim.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested a Method of Verification in accordance FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency. Equifax has failed to comply.

I have not given Equifax or any of its affiliates permission to use my Personal Information to obtain any court filings. Equifax has violated 15 USC 1681 ( B ) ( 2 ) and 18 USC 1028 ( a ). For this reason, I am demanding the removal of this record from my consumer report.

Equifax has been provided with a letter from the courts stating that they do not provide court filings to the cred
it bureaus, this has been ignored. Equifax also is reporting an account " XXXX XXXX '' as 120 days late, which is incorrect. I am requesting the removal of this account for its inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX XXXX  and myself! Please send the proper validation

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 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Let me start this by stating I am a XXXX XXXX and the pure mishandling and complete non help I have received is ridiculous. On XX/XX/XXXX, I received a notification from my XXXX app that my XXXX  delivery was on the way. I hadnt ordered this but somehow my card had been charged twice for a chipotle delivery to a California address and pickup in NJ. The amounts were {$93.00} and {$48.00}. I reported it to my bank immediately and they stated that they couldnt do anything because the charges were pending. I continually called back until they were able to actually create a claim. The claim was created then they informed me that they couldnt complete the refund because the charges were authorized. I called again and created a new claim which as of today I found out no one ever refiled my claim. I received a new card and now here is another fraudulent activity spotted. On XX/XX/XXXX there was a fraudulent charge for XXXX  for {$89.00}. As well On today ( XX/XX/XXXX ) a charge for {$820.00} with XXXX XXXX. I looked up this business it is a business for truckers to use an account to get diesel for their trucks. As previously stated I AM A XXXX XXXX, I dont even know a truck driver. I immediately called my bank and tried to dispute the charges but I received the same response that they couldnt do anything because the charges were pending. I asked to speak to a manager, and she told me there was no manager available. I will be removing my money and putting it in another bank account. Not to mention that on XX/XX/XXXX I received a text message from a number saying there was fraudulent activity on my account. It was someone posing as Truist because I then received a call from a number asking for my user Id and password which Truist never does. TRUIST HAS DONE ABSOLUTELY nothing to assist or help me to retrieve my money in fact I feel as though they are in on the scam and fraudulent activity they are allowing and doing absolutely nothing to assist or stop it. They just continually send new cards and do nothing about the issue. As previously stated, I am an XXXX I need every penny that I make. This is sad and disheartening that this is what the world has come to. I am filing a police report because that is the only way my problem will be solved.

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 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
A dog training company scammed us out of {$4000.00} and American Express investigations team can't comprehend what's going on and keep declining our disputes. 

American Express wants me to contact the merchant and try to work with them after sending the dispute team proof that the merchant is claiming they don't have my money, cussing me out, and threatening to file a restraining order against me. 

American Express has failed to understand the problem and continue to allow the merchant to retain my money while harassing me.

Company response to consumer: Closed with monetary relief