vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
My original loan date is XX/XX/2021 which has exceeded the two-year loan seasoning period. Cardinal Financial is advising that I only have two options to qualify for remove PMI. I can qualify based on the original property value by making a principal curtailment of {$40000.00} to pay the Unpaid Principal Balance ( UPB ) down to {$380000.00} or I can qualify based on the substantial property improvements by providing a detailed list of substantial property improvements completed. After the two year seasoning period one can qualify to remove PMI based on the CURRENT value not the original property value.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-03-17 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: VA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-03-17 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I ordered a new bed from XXXX. The order total was {$400.00}. I was moving into a new apartment on XX/XX/XXXX and had discarded my old bed. I received an order confirmation email from XXXX stating the estimated delivery date would be XX/XX/XXXX - XXXX. On XX/XX/XXXX I received another email from XXXX stating the bed would be delivered on XX/XX/XXXX. Instead, the bed was delivered on XX/XX/XXXX and no effort was made by the shipper or the shipment company that the bed had been delivered two days early. Since I had not moved into the new apartment yet, I drove over to the building to retrieve my package and it was not there. Since signature delivery was not requested by XXXX, XXXX was empowered to leave the package unattended in an apartment building that I was not yet living in. I contacted the merchant, XXXX, who asked me to " wait for 3 days for the package to turn up '' which is unreasonable because XXXX packages don't just disappear and " turn up. '' I contacted my credit card company and filed a dispute, then I ordered the same exact bed from the same company. I had to sleep on the floor until my new bed arrived. I made my bank aware of all this, and submitted a signed letter along with 14 pages of documentation proving negligence on both the part of the merchant and the shipping company. I provided proof that XXXX ignored the signs in the building and left the package in the wrong location, I provided proof that XXXX advised me of one delivery date and actually delivered on a different date, and I provided proof that the same bed was purchased twice. Capital One has taken none of this evidence into consideration and has sided with the merchant twice, stating that XXXX reported the package as delivered. Whether or not the package was delivered to the requested address is not the issue, the issue is it was delivered two days early and stolen. I should not be held liable for a package that I didn't receive and I should not have had to pay for the same bed twice. They have reversed the credit on my account, despite the fact that the " investigation is still ongoing. '' They have also contacted the merchant and advised them that I would not be receiving a refund because " the bank has ruled the dispute as invalid, '' which contradicts what they told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this following account on my reports : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$7700.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Balance : {$610.00}.

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 2023-03-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this following account on my reports : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$7700.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5900.00}, XXXX - XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Balance : {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was 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 update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital LLC try to take my money but I called them on XX/XX/23, and made a settlement of XXXX $ to pay off XXXX 's account debt, I paid over the phone on XX/XX/23, they said its take up XXXX hours and I have the confirmation number. and I also have proof of the transaction of the XXXX $ also. I want a letter stating that I paid off the debt and that I have a receipt on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I previous sent a letter to this company telling XXXX XXXX XXXX XXXX don't contact me about some bogus account they claimed I had with Indigo in year XXXX. They have continued to contact me by mail and by phone the number is XXXX which I screenshot on my cell phone. I was a victim of identity theft last year and it also shows on my credit report. They sent a Bill of Sale that is Post Dated A Year Prior saying this is when they purchased the Debt on XX/XX/XXXX. I have never had an account with Indigo and would appreciate if they remove this from my credit report and stop contacting me. I sent a letter to them because I thought they were an account from me being in collage paying for books which account was paid off now they say it's a credit card that I never received or seen a day in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: PA

Complaint narrative:
Fraudulent accounts and inquiries Appearing on 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

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 2023-03-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent accounts and inquiries Appearing on 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2013, I was illegally foreclosed on by Wells Fargo Home Mortgage. I had an FHA mortgage for loan XXXX and I had a letter stating that I was not responsible to pay any past due fees or interest related to the mortgage, however XXXX XXXX was listed as the substitute trustee deed and filed with the county. The procedures for a foreclosure were not followed. There was no Letter of Acceleration filed after 120 days late and then I had an FHA loan and I am very well aware of all the options I had to cure the supposed past due. After my home was foreclosed upon I was issued a check from an account that they found within Wells Fargos system that was for the first late they said I had. This is during the time that all the fake accounts were being open by Wells Fargo employees. XXXX XXXX is a " medical doctor '', an orthopedist, not a Wells Fargo employee that has been involved in numerous fraudulent criminal invasions on individuals who have no idea that his office was used as a means to gather information about indivduals. He has continued to conduct himself in an unlawful way using the money to pay for another mortgage that I clearly am the owner of. I would like Wells Fargo to cure this default. The mortgage was in my name and my deceased husbands. I am now the sole owner of a house that should have never been foreclosed on. He is well known to sell drugs out of his home.

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 2023-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America continues increasing our payment which does not match our mortgage agreement. I attempt to speak with a rep who stated they can do what they want to do. I requested to speak with a supervisor but he refused and began raising his voice. 

Out of retaliation, the company added late fees to our loan. Late fees have not been on our statements since we file for bankruptcy in XXXX. Also, there is not XX/XX/XXXX statement on our account to review.

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 2023-03-17 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: CA

Complaint narrative:
The address of XXXX XXXX XXXX XXXXXXXX ca XXXX and the address XXXX XXXX XXXX XXXX XXXX ca XXXX are addresses in not associated with multiple fraudulent dredit cards and bank accounts were opened in my name and sent to those addresses I tried to call and have them removed but I was told they where flagged.

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 2023-03-17 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: MD

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid 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: MD

Complaint narrative:
To Whom it May Concern : Card ending in XXXX Im disputing the charge Chase Travel charge of {$490.00} from a car rental cancellation charge from a XX/XX/XXXX booking. 

This car rental was CORRECTLY credited on XX/XX/XXXX and then immediately INCORRECTLY recharged on XX/XX/XXXX. I am disputing the XX/XX/XXXX charge to my account. 


I have called many times and asked for managers to resolve this issue with NO SUCCESS. 


The charge for {$490.00} on XX/XX/XXXX was for a car rental through Chase XXXX XXXX XXXX XXXX  XXXX ) the car was canceled and the credit was just recently processed XX/XX/XXXX and then incorrectly charged again on XX/XX/XXXX. 

There is a second CHASE TRAVEL charge on my account that I reported as fraud in the amount of {$490.00} this is a different charge and was reported as fraud. I did not approve this charge and was correctly credited from the fraud department. 

I AM AGAIN DISPUTING THE XX/XX/XXXX CHARGE OF {$490.00} THAT WAS INCORRECTLY CHARGED TO MY ACCOUNT DO NOT KEEP CONFUSING THIS CHARGE FOR THE {$490.00}! 

On XX/XX/XXXX I spoke to a manager " XXXX '' she said she would give me a {$50.00} credit for my weeks of frustration with the Disputes office and that she would have the back office credit my account in the amount of {$490.00} ( within 15 business days ). The next day I receive a letter from the disputes department saying my dispute is resolved in the amount of {$50.00}. This incorrect and absurd. I have called back to ask for a confirmation of the credit being processed with the back office using the claim # XXXX and each time the reps say its resolved and I have already been credited. They fail to review my account fully and see that I have been charged {$490.00} twice once in XX/XX/XXXX and another charge in XX/XX/XXXX and only credited ONCE. 

I would like this resolved immediately and I want to submit another complaint regarding the terrible customer service I have received, one representative hung the phone up or never came back to the line when I asked to speak to a manager. There have been weeks of calls and requests for documentation and the issue is still not resolved. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXXXX/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