vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I requested an old late payment to be removed. As the creditor, they are the only ones who have the power to do this. I stead of stating they are unwilling, they flat out told me they do not have the option and to go to the credit bureau, which is false. I am filing this complaint because they flat out lied to me and hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XXXX my ins went up to {$4000.00} cause ins said need a new roof but no leaks it is just over 14 yrs old. So house payment went up to over XXXX. I was told I could do a forbearance for 6 months then it would be put at the end of my loan new loan date at the end then the end of XXXX was told I owe the 6 months can't put it at the end of loan. So they said do modification to lower payments. So waiting to heard back about it sent all the paperwork in showing I am over working and his medical retirement check and our income. My husband 's income went down cause he got a XXXX XXXXXXXX we are trying to get XXXX XXXXXXXX cause he can't work. We will be getting it in XXXX. Trying to save our house til then and we can even get a new roof then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I have a {$50.00} prepaid Visa Vanilla Gift Card and it won't work anywhere. On their website it shows active with the full balance. I've tried to use it at a restaurant, XXXX and now online at 2 different retailers. I've tried to use it on a purchase less than the balance, more than the balance, and at the amount of the balance. Declined every time. They have no online way I was able to find to report a problem like this. So I'm relegated to waiting on hold for one of their customer service reps, which even getting into that que was an enigma. On hold for 30 min and couldn't wait anymore. I'm not even sure what to do since the sales of these cards are final. Seems like a scam to me. Something needs to be done, it only takes one look at the average 1 star reviews on the XXXX website to see that something is seriously wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I checked my credit report XX/XX/XXXX and notice an account that was not mines. I've called, emailed and XXXX XXXX  a dispute letter to the company. It has been past XXXX  days and still no validation of debt. They did email me in XXXX with a bill that has my name and an address were i've never lived. They said that was the validation of debt. I keep calling the company no answer, i've left messages no return calls. I have all the proof that i did not live at that address where the services took place.

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 2023-12-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed a dispute on XX/XX/2023 for {$100.00} that was denied today as being outside of Chase 's 118-day policy. As it falls under XXXX 's 540-day policy, I have again asked Chase for information on the 118-day and 540-day policy ( the 540-day policy specifically ) and have been met with multiple agents stating that it is internal, that they can provide no further information, etc. As a cardholder, I need to understand the policies and guidelines that Chase follows, and it needs to be in writing. There is absolutely no reference to the 540-day policy on my statement nor in my Cardholder Agreement. When speaking with XXXX in the XXXX XXXX Disputes Department, he stated multiple times, extremely offputtingly, that he can not provide any further information and being fully unhelpful. Case is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent XXXX letters to all three company and the companies hasn't responded in the 30 days .I reached out to the companies and notified them as well with a XXXX follow up letter that they haven't responded in the time allowed and now I'm requesting to have theses items removed from my credit reports. 


XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-12-28 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: Global Lending Services LLC
State: FL

Complaint narrative:
Some institutions checked my credit without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had a JPMCB Card from Chase that was closed with a balance of {$15000.00}. The account has been reported on my credit report as " charge off ''. On XX/XX/2023 I mailed Chase a check " XXXX '' for a {$100.00} asking for them to settle my account and remove it from my credit report. They cashed the check and still did not remove the account from my credit report. So I want it done as the reason for me to pay them as in return to have the account removed from my credit report and settle the balance for good. I have attached a copy of the letter as well as the check and proof it was cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Over 30 days I sent the attached letter to Columbia Debt Recovery requesting Debt Validation and Debt Verification. It was sent via US mail. They did not respond at all. 

I filed disputes directly with XXXX, XXXX, and XXXX. Their response was as follows : Investigation complete, reported by the debt furnisher, this item remained unchanged from our processing of your dispute in XXXX XXXX. Columbia Debt Recovery Collector provided absolutely no documentation, proof, or supporting evidence ( as Ive requested ) to verify the legitimacy of this debt, explain, or validate the results of their baseless and empty investigation. The alleged debt is totally fraudulent and the information reported to the Credit Bureaus is false. I do not owe this money. 

For these reasons, Im submitting a formal complaint with the CFPB against Columbia Debt Recovery. I've included a copy of the letter I sent them requesting DEBT VALIDATION & DEBT VERIFICATION which they never responded to. Columbia Debt Recovery must respond to ALL of my questions and provide ALL of the details I've requested in my letter. Only then can the Credit Bureaus fairly and accurately determine the outcome of their investigation my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have received the 5 emails from the so-called Experian 'credit report ' company. 

From XXXX XX/XX/23 : credit score information XX/XX/23 : credit card offer XX/XX/23 : 4 kinds of saving accounts offer From XXXX and XXXX Dispute result information. However, both of them added the year, which they deleted without asking and approval of me about one week ago. Now, there is the section of birth year. Previously, I asked why there are two similar accounts of XXXX XXXX XXXX. These two have some problems on numbers. I will contact with XXXX  XXXX XXXX directly.

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 2023-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Im XXXX I signed up for XXXX services. I never received the SIM cards or any equipment. I contacted XXXX and informed them that I never received the SIM card. XXXX XXXX did an investigation which shows I never utilized the services due to me never receiving the SIM cards. XXXX XXXX reimbursed me my activation fees due to I did not use the service or no cards were used. I am Being billed for services never provided and send to collections I have Been calling XXXX for 2 months and they first told me they would correct this by sending up a ticket to I have to deal with the collection agencies. They are staying the account was closed but how can an account be closed for no payment when I never received to product to utilize the service. What are they charging me for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
On XX/XX/, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( 10 ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
A couple of creditors is taking me to court pacifically one is LVNV I think they know that this person is not me apparently my name XXXX XXXX is a common name in Ohio and through court records. They show me XXXX people name XXXX XXXX XXXX Im talking to the creditors, letting them know that I dont owe no debt to DEAL my identity was stolen back in 2017. I found a report my wallet got stolen and thats when all this stuff started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: MI

Complaint narrative:
I purchased a car through Carvana and they did not disclose to me that they were using XXXX, a shady comoany who currently has a class action lawsuit against it and multiplestates worth of complaints for unethical business practices. I have been bombarded day and night with some woman named " XXXX XXXX '' claiming tk be XXXX as a result of this mess. I have a XXXX XXXX XXXX greatly impacted by stress and the comoany Carvana along with XXXX has a data leak of my information where now a scammer from the XXXX calls me relentlessly. I hold Carvana liable for withholding information about the class action lawsuit and hiw bad of a loan servicer XXXX is. 

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 

As a result, I tried to call both Carvana and XXXX a d they lie, withheld information about hiw many problems people have with this shady terribke loan comoany and now I almost had a XXXX from stress dealing with them. Carvana is unprofessional as XXXX is a shady company. 

Carvana has caused me so much grief from lying to me. If I had know the seriously poor reputation XXXX had, I would have never used them for a loan. 

Carvana needs to cease and desist immediately from using them and I demand they warn future customers about their shady side and the lawsuits and huge complaints. 

I paid my first payment online and do not nee them to ever call me. I had a loan on a truck for 6 years and never missed a payment. So I do not want the horrid harrassment caused by Carvana and XXXX to continue. 

Nobody shoukd be called nonstop ceaselessly because two companies withheld important information from me as a consumer so I could make a informed decision. Please refer this matter to the federal government for data purposes so this stops and Carvana is forced to stop using an unethical company and disclose to consumers the problems with XXXX. It is despicable they took advantage of a person with a XXXX as well. I wish I never did business with Carvana.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: IL

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My Capital One Credit card statement is showing that my monthly {$25.00} payment was returned as insufficient funds by XXXX  on XX/XX/2023. Capital One customer service told me to speak with XXXX XXXX XXXX to get information about the returned payment. I looked at my XXXX statement and there is no record of an NSF transaction on my XXXX statement during that time. I spoke with a XXXX representative and the representative searched through transactions for XX/XX/2023 but found no evidence of a NSF transaction related to a Capital One payment. Capital One is now displaying my account as past due and is doing nothing to fix the issue. I was also charged a {$25.00} late fee in this instance. This issue should be fixed by Capital One, my account should be in good standing, and the {$25.00} late fee should be refunded. XXXX has agreed to provide documentation that details lack of evidence of an NSF transaction during the time in question ( XX/XX/XXXX XXXX, 2023 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I am from XXXX and still rather new to the Crypto world and wish to invest more especially in XXXX, therefore started with a small amount to invest at Kraken back in XXXX XXXX XXXX XXXX XXXX  this year I figured that I already ran into a scam XXXX XXXX  ) and since then working with a team of crypro forensics and attorneys to solve this. Because I have transferred USDT from my Kraken account, I was concerned that the people from the scam platform my get access to my Kraken account, hence I asked the Kraken Customerservice yesterday, XX/XX/XXXX, to support me changing my password and upload a passport photo ID to replace my previous ID card, since the scam platform got that photo ID too. However, till then everything was normal with my actual Kraken account and I could always access my assets ( totally around USD XXXX - most of them still as EURO cash )XXXX 
After I informed the Kraken customer service, they 'temporarily locked " my account and told me they investigate this in a timely manner. After nothing happened in hours, I started to reach out to their customer service by email as I couldnt log on anymore, so I couldnt speak to a real customer representative by real time chat anymore ). Once in a while each time another name appeared in the E.Mail from Kraken, telling me that there will be a relevant team working on the issue. Nothing happened, same today, until a person called XXXX emailed me that my account has been disabled! I am in a state of shock as I dont know what happened to my family savings, as mentioned the USD XXXX / EUR XXXX. My wife is terrified and I promised her I do all to get our money back. I told Kraken customer service they shall please wire the assets back to my XXXX account, where all assets originated from. I also offered live call to proof my ID and verify I am the legitimate account owner. They didnt respond to that at all. I am in fear they just swallowed our family assets for no reason!

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Ive received my dispute results from Experian and I noticed that they removed my positive account bearing the same account number as the negative ( XXXX )? Why not delete both? If one account is inaccurate/unverified, so is the other? Ive attached my account ( the only one I have ) from XXXX and XXXX showing that I only have one account and its positive! Ive also attached a copy of the denial letter I received due to the inaccurate and unverified reporting from Experian. My ask is simple, please delete world finance co from my report? This account is damaging my credibility, reputation, and screaming defamation! Mistake happened, lets just fix it, thanks in advance!

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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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 explanation