vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-02-01 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: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
I did not consent to this account or did i gain any financial gain from this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
XX/XX/XXXX I am the daughter of XXXX & XXXX XXXX, and authorized by them in Reverse Mortgage Services records to discuss and transact their business on this loan. My father will be XXXX XXXX XXXX soon and suffering with memory loss. 

We have been sending payments and requesting they be applied to the mortgage principal balance on a monthly basis starting on XX/XX/XXXX. This amount from XXXX to XX/XX/XXXX totaled {$11000.00} and NONE of it has been applied to the principal, as shown on the annual Reverse Mortgage statement. We also sent another {$1000.00} in XX/XX/XXXX. It seems the entire amount has been allocated between Mortgage Interest Principal ( MIP ) and interest. Why is there a credit on these two items instead of applying these funds to the principal? How can monies be allocated to interest that is not yet accrued? 

I spoke with two of their representatives today, XXXX and XXXX. XXXX referred me to supervisor XXXX, and XXXX promised to get with another supervisor and call me back today and that did not happen. 

I am sending this letter to the state Attorney General, the Federal Trade Commission, the Consumer Financial Protection Bureau, and the state Banking Regulatory Agency to report this and get further clarification. If this is a legal practice, it should be changed. 

We await your prompt response. Thanks for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
I payed LLC loan care on XX/XX/2022 and XX/XX/2022 and the money was deducted from my account but LLC loan care didnt cash the money. I got the money back into my account and sent it back to them but my credit is now ruined and they have charged me absurd late charges. I dont feel like this is right because I upheld my obligation but these banks keep dropping payments. The also happened last year.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2022 I attempted to withdraw {$18000.00} from my Wells Fargo checking account to purchase my vehicle. Brach info : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, Telephone number XXXX, Fax : XXXX. To sum the story up, I waited over 2 hours for the the service XXXX XXXX XXXX to tell me that she was unable to release the funds because she could not reach the employer who issued the check that I deposited. I asked her when would I be able to withdraw the funds. Her response was, " I don't know. '' I contacted Wells Fargo customer service. I explained the issue to the representative and she was not sure why I couldn't withdraw the funds. She stated that every branch has their own rules. The representative advised trying another Wells Fargo branch. I then went to Wells Fargo, branch # XXXX XXXX. I was able to withdraw the {$18000.00} to purchase my vehicle in less thank 15 minutes. The service manager as this locating did not understand why the other branch would not issue the funds.

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 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-02-01 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: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: FL

Complaint narrative:
I have on several occasions made known to EQUIFAX that they are still reporting fraudulent information that they told me falsely through this CFPB portal it was removed. Upon me checking my report via myequifax.com to my surprise the account was and still is reporting! I have called EQUIFAX as well as disputed this fraudulent account, provided two FTC reports and provided other documents and disputes regarding this account and was told by EQUIFAX that the account was removed. At this point I have no choice but to seek legal counsel after this final attempt to rectify what I know to be unlawful use of my credit report. I ask the CFPB to look into this account as well as past responses from EQUIFAX that falsely state they have removed the fraudulent account that continues to report on my credit profile. The dates of these responses are in the CFPB 's portal under my disputes made to CFPB on XX/XX/2022 and XX/XX/2022. I have also attached previous disputes and there dates outside of CFPB sent to EQUIFAX alerting them of all the fraudulent information they were housing do to someone illegally using my information to open accounts etc. I also have attached with those disputes an FTC report with my identifying information. I ask that this issue be looked into as I have been denied housing as a result of this fraudulent inaccuracies being reported by EQUIFAX effecting me emotionally. Please Help. Lastly I have attached screen shots of my current credit report and how the item that was said to be deleted by EQUIFAX is still in fact reporting. This is unlawfully misleading and not being honest. I have included my license as Identification and as proof of my address as I do not have any bills at the moment to do so. And have attached my social for additional proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent the original Identity Dispute letter to Experian and it was dated XX/XX/XXXX. It was received at Experian on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to XXXX and it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to XXXX it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from 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 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-02-01 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: FL

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
In XXXX I went to the car dealership, Hyundai motors, with my now ex-fiance we were trying to purchase a car. He did not qualify for the car based on credit. I originally told the salesman that I did not want my credit pulled by multiple companies and didn't think I should have qualified at all due to my XXXX and I already had a car payment. The next thing I know my credit was indeed run through several different companies and I am assuming I didn't get approved with any of the other companies. So they looked into in-house financing and said that got me approved. I felt really uneasy about this because I knew that the payment was extremely too high. The salesman kept applying pressure saying well your fiance can make the high payments and in a year you all just come back and we can do a refinance. I still felt uneasy about going through with this but the salesman kept reassuring me that this will be fine. 

I really felt like this was predator lending because I should have never qualified for the loan and fact the salesman knew the payments were really high based on my XXXX and they never verified my income. On top of adding pressure on the vehicle. The Salesman should not be able to apply pressure on someone when they don't feel easy about a purchase and should have said to think about it and let me know.

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 2023-02-01 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: FL

Complaint narrative:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, 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:
-- INCORRECT PERSONAL INFORMATION -- THIS COMPLAINT IS DONE BY THE CONSUMER -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- ( a ) In general. -- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : -- ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

-- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( A ) reporting information with actual knowledge of errors.

-- 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.

-- They do not have my permission to report on my consumer credit report.

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me.

( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate.

-- The following addresses, phone numbers, names are inaccurate information, it is not mine, it is fraudulent to continue to report and my permission has not been given orally, in writing, or electronically to report this collection on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand it to be removed : -- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following name, address, phone number and employer is correct and should be reported : -- XXXX XXXX XXXX 
-- XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
-- ( XXXX ) XXXX -- XXXXXXXX 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 2023-02-01 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: AR

Complaint narrative:
I am writing in response to your recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : DEPT OF ED/XXXX XXXXX Balance XXXX Opened XXXX. XXXX, 2017 - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is the second complaint I am filing about this matter. Please see the attached sanction on XXXX XXXX XXXX. I have also attached the letter sent by CHASE BANK, which brought me to filing yet another complaint. 

I do not know why Chase continues to give XXXX XXXX XXXX money from my account, when I told them on several occasions that these people stole {$1800.00} from me. They then had the nerve to refund me only {$330.00}. 

I have filed every complaint known to man in XXXX on XXXX XXXX XXXX : The FTC, The FBI 's XXXX, XXXX, and even the state 's bar of these alleged attorneys. 

I am tired of having to deal with reversal of charges because these people are contacting Chase lying. They were not given authorization to debut my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
Eight months ago I applied for a dental credit card. I was denied by Transunion Credit report on me. I tried calling as the letter from the credit card company said information obtained in a report was why denied. they ( TransUnion ) were unable to supply specific resons why I was denied. I tried calling multiple times and could never get a person, only a credit report. That took about XXXX weeks. I got the report dated XX/XX/2022. I could see no problem so let it go. 
I do not have my notes any longer to give times or dates. BUT same thing repeated itself today : I got a letter from my credit card that I've had for over 5 years. It states it's lowering my credit line. Now I have paid my card off every month, no late fees. Reason is in a letter saying it was based in whole or in part on information obtained in a report from XXXX. XXXX was unable to supply specific reasons why, like Transunion. I attempted to call 3 times and you can not get to a real person. Its the same recording that Transunion has, I must choose to get a credit report or report fraud. If you say operator it says must hang up. I can not get to a person to find out what is wrong. I need help in getting to the bottom of this. Thank you.

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 2023-02-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
the collection account is reporting an active payment history and there's no contract between myself & XXXX. XXXX nor Experian making it impossible to have a reported payment history as they are not the original creditor. This collections is reporting every month from XX/XX/22 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 2023-02-01 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am requesting these documents because I do not believe this repossession should be reported on my credit report and that it is reporting inaccurately. 
SANTANDER CONSUMER USA XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation