vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I believe the issue is with the XXXX system for auto payments, the system forces me to enter XXXX 's at the end of my bank account number that are not in my actual account number. 
The issue began XX/XX/XXXX - monthly payment not made and an NSF fee assessed, I made the payment online {$XXXX} fee assessed XX/XX/XXXX - auto payment refused and when I contacted my back I was told there was no charge that had denied in the amount of my mortgage payment XX/XX/XXXX called XXXX XXXX  inquired about what the bank told me and made the payment over the phone using the same account - no issue with the payment asked for the issue to be looked into XX/XX/XXXX called to follow up told to give it more time - only a supervisor can remove fees XX/XX/XXXX called to follow up, told to give it more time and a note sent to supervisor to call me within XXXX business days and payment made for XXXX over the phone from the same account - no issue with payment XXXX called to follow up, told now to send a written email complaint, should have follow up in 24 hours XXXX - called to follow up again, was told my request for the fees to be removed denied asked to speak with a supervisor, spoke with XXXX, she again sent a written request for the account to be reviewed and the fees removed. Give it at least XXXX business days XX/XX/XXXX - called to follow up once again now I am told I need to wait at least 30 days and that fees typically are not removed for XXXX - explained once again this is not an XXXX  issue, the issue is the XXXX system forces me to add XXXX 's to the end of my bank account number that are really not part of the account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Late payments reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on an account under an open end consumer credit plan late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX I recently pulled my free credit report at my XXXX and notice some of the following addresses and names are incorrect you are not mine i already contacted the XXXX credit bureaus mentioned in this complete here today it made attempts to fix this issue I am asking for the CFPB to help me in this matter. So that my my information is not compromised again and used on the black web. I have since found a FTC complaint and I have attached it to this document here today alone with my birth certificate iD and social security please fix the problem and send me my new credit report with the correct information this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Date : XXXX I recently pulled my free credit report at my XXXX and notice some of the following addresses and names are incorrect you are not mine i already contacted the XXXX credit bureaus mentioned in this complete here today it made attempts to fix this issue I am asking for the CFPB to help me in this matter. So that my my information is not compromised again and used on the black web. I have since found a FTC complaint and I have attached it to this document here today alone with my birth certificate iD and social security please fix the problem and send me my new credit report with the correct information this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My account was closed by XXXX XXXX  on XX/XX/24 because physical address was not met. I had updated my address multiple times online but after the closure they said I needed to do it over the phone, which I was never told about. 

They said they mailed my check for {$XXXX}, which I never received. Then they made me wait 22 days to reissue a check. I called back today to ask for the reissue and they said they will be mailing an affidavit and once they get that back I have to wait 90 days to get my check. 

I don't know how it's legal to tie up my funds for 90+ days without my authorization and everyone at XXXX saying there is nothing they can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/2023, I received an email from Columbia Debt Recovery LLC stating that they had been appointed by XXXX XXXX XXXX  XXXX XXXX to collect a debt of {$5200.00} from me. Upon receiving this email, I promptly replied with a letter attached from XXXX, indicating that they had already sent a release letter to XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) on XX/XX/2023, and were awaiting their signature for settlement. I also forwarded this information to XXXX XXXX XXXX XXXX  XXXX, including the insurer 's response with claim number XXXX. Despite providing this evidence, Columbia Debt Recovery refused to acknowledge it and persisted in harassing me with emails and text messages. 

Subsequently, on XX/XX/2023, the insurer issued a letter confirming that they had settled the property damage claim with XXXX XXXX XXXX XXXXXXXX XXXX. In an attempt to resolve the situation, I contacted a representative from Columbia named XXXX and forwarded her the settlement letter on XX/XX/XXXX, along with proof of the insurer 's settlement and an acknowledgment email from XXXX XXXX XXXX XXXXXXXX XXXX. However, Columbia Debt Recovery did not respond to this communication and continued their harassment by demanding payment and reporting derogatory marks to credit bureaus in XXXX, which adversely affected my credit report. Despite disputing these actions on my credit report, Columbia Debt Recovery refused to remove the negative information, leaving the case unresolved and impacting my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I XXXX XXXX XXXX and as payment method I use paypal. XXXX days before paypal asked for a review of my account .I have done previously these type of reviews and have passed them where I show proof of fulfillment for my clients.The same way I sent all the proof needed for my products. I am pretty sure I have sent the right information and this is not the case why they have limited my account.They state that I am limited because I have connection with another account in paypal that is limited. In my own knowledge, in my name I only have XXXX and XXXX. The second one has never been used and the first one is the one they limited today. So they must be mistaken for this and its unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Hey, I had a dispute over my last bank account at XXXX. This was due to it saying I still owed money on a loan, but it was fully paid off. I talked to the bank, and they agreed. So there for I closed my account with them, because I am moving. However, now expirian says I no longer have a credit history. Why? Does this mean I made payments on time for quite some time, just to have no credit score? I dont really understand how that works. I even paid it off early.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Ive told this company that I cant not be contact at work, they called me XX/XX/24 Ive answered explained the situation in which theres a legal matter going on with this car the car dealership sold a vehicle that broke down in the first 30 days Ive tried to no avail with this company as well as the car dealership to the point that I had to obtain a lawyer. I received a second call same day at first I said this isnt to cease communication please just dont call me the same day I already made contact. After the agent said they can still call me even if they spoke to me already in the same day I advised if feel like that was harassment and dont call me anymore, today XX/XX/24 I received another phone call from the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on my XXXX credit report that I was never late for. The consumer reporting agencies have assumed a valid role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screen shot inside the complaint in on dates XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. XXXX XXXX  is showing as an adverse account with XXXX  days. The other XXXX bureaus are not showing XXXX  days late. Thanks! Please see screenshot attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
numerous charges for purchase on cc that are invalid - I did not make.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not liable for any debt with XXXX XXXX XXXX, and XXXX do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, Resultingin the Deletion of these items from my credit file. I am attaching a notice of deletion from XXXX for each. After asking for a freeze on Equifax I woke up looked at my file and I see addresses that are NOT mine that have appeared on my file this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive reached out in writing requesting debt validation from Equifax, XXXX and XXXX. 

All agencies are posting inaccurate information on my credit reports. 

XXXX XXXX XXXX. has two accounts on my report. I have never done business nor am I in any contract with this company. 

XXXX isnt my account. They arent my carrier. 
In addition I have 12 inquiries on my reports, and Ive not given any company or agency permission to pull my credit. 

Ive requested that the agencies comply to the FCRA and remove this derogatory information and hard inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive reached out in writing requesting debt validation from XXXX, Experian and XXXX. 

All agencies are posting inaccurate information on my credit reports. 

XXXX XXXX XXXX. has two accounts on my report. I have never done business nor am I in any contract with this company. 

XXXX isnt my account. They arent my carrier. 
In addition I have XXXX inquiries on my reports, and Ive not given any company or agency permission to pull my credit. 

Ive requested that the agencies comply to the FCRA and remove this derogatory information and hard inquiries immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: M1 Holdings Inc.
State: NJ

Complaint narrative:
I am writing to bring to your attention an issue concerning a recent transaction made on my M1 credit card powered by XXXX. On XX/XX/2022, I utilized my credit card to pay for services provided by XXXX XXXX XXXX. However, subsequent to this transaction, it has come to my attention that XXXX XXXX XXXX has filed for bankruptcy, rendering them unable to fulfill the services for which I have paid. 

Transaction Details : Date of Transaction : XX/XX/2022 Transaction Amount : {$1900.00} XXXX  Merchant Name : XXXX XXXX XXXX  Description of Services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were never fully rendered : teeth alignment was never corrected, XXXX XXXX were never sent, and XXXX  were not shipped despite the purchase agreement stating these services would be rendered. 

Given the circumstances of XXXX XXXXXXXX 's bankruptcy, I find myself in a position where I am unable to obtain the services for which I have already paid. As a result, I kindly request that you facilitate a refund for the transaction amount to my credit card account. 

I understand that according to M1/Deserve 's policies and consumer protection laws, I am entitled to seek reimbursement for transactions that were not fulfilled due to circumstances beyond my control, such as the bankruptcy of the service provider. 

I have attached relevant documentation, including proof of transaction and evidence of XXXX XXXX 's bankruptcy, for your reference and verification. 

I trust that you will handle this matter with urgency and fairness, and I appreciate your prompt attention to this issue. Please inform me of any further steps required from my end to facilitate the refund process. 

Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX Bankruptcy case information : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XX/XX/year> Resurgent Capital Services sent me a letter about money that is owed for a debt of credit from XXXXXXXX XXXX XXXX  for the amount of XXXX which I never opened. The letter indicated that this may be forwarded to an attorney for a possible lawsuit.

Company response to consumer: Closed with explanation