vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a Marriot Chase credit card last month, and it says if I spend XXXX for the first 3 months, I will get XXXX points on XXXX, I reached the requirement XXXX weeks ago, and last week I received a letter from chase bank, saying they will close the card on XX/XX/12. And I called chase asking about the bonus points, they said since the card will be closed on XX/XX/12, there is no bonus points at all. 

This is a fraud, they invited me opening the card, and right after I reached the limit, they will close your card immediately, and said you will not get the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: NY

Complaint narrative:
I am writing to follow up on my dispute resolution requests submitted to XXXX, XXXX, and TransUnion on XX/XX/2024. Despite the 30-day timeframe outlined by the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions from any of the bureaus. 

Enclosed are copies of all correspondence and documentation related to my disputes. I respectfully request prompt attention to this matter, coordination with the credit bureaus, and clarification on the expected timeline for resolution. 

Thank you for your assistance in resolving this issue. 

Sincerely,

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 2024-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is attempting to collect on a debt not owed. 

This alleged debt has been purchased by this collection agency. The account is frivolous. The original creditor XXXX this bogus debt. 

Per FCRA I have requested proof of debt, signature on an original contract, etc

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 2024-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
This account I have no knowledge of this account nor consent to this account delete this FRAUDULENT account from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: MD

Complaint narrative:
In XX/XX/2024 I sent letters to each credit bureau. I want XXXX name and gave them copy of my social security card and drivers license. I have no alias. My name should be XXXX XXXX XXXX like it is on my social security number. Not jams f XXXX, XXXX XXXX, XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX 

I sent bank information detailing my one and only address. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. I have no other address. This is the only address I have. It is my right to use XXXX name, XXXX address, XXXX phone number. The credit bureaus after XXXX times still refuse to correct my consumer report. These are violations according to FCRA on accurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am written you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission, and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney.

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 2024-03-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am written you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission, and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Did not receive any notice of the debt, surprised me with credit report account.

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 2024-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After I submitted CFPB claim XXXX about Wells Fargo XXXX XXXX forbearance program that has destroyed my credit despite paying them my contractual obligation, I decided to move my IRAs out of Wells Fargo because they have lost my trust. 

I put in XXXX different requests to transfer my IRA from Wells Fargo to XXXX on XXXX. Each time, Wells Fargo Brokerage rejected my request to transfer the funds outside of XXXX. I called Wells Fargo on XX/XX/24, and they would not tell me why the request was rejected, nor explain how to complete a transfer request outside of Wells Fargo. After an hour on the phone without answers to my questions, the line was disconnected and I was not called back. 

My assumption is XXXX is not allowing me to transfer assets because they still have not resolved the mortgage issue, and are locking my assets. This is a continuation of the predatory and outrageous practice.

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 2024-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The credit bureau ( Experian ) has been using and continues to use XXXX claim ( They responded and verified that the disputed information was accurate as reported ) as the sole reason to refuse to correct this incorrect notation of Collection in our credit report. They did that before when we tried to solve it through them, and have done the same on XX/XX/XXXX in response to CFPB report # XXXX. 

This relates to account we had with XXXX tried to get service and billing errors fixed for 22 months. We tried from simple customer support and many other levels including their Office of the President and to one of their CEO. Finally, since we also went regulatory agencies XXXX reported our account to Experian and XXXX incorrectly as Collection without informing us.

We provided many forms of clean indisputable facts to Experian including about : ( 1 ) unlawful acts, violation of consumer laws both of service by XXXX ; ( XXXX ) unlawful acts on financial aspects related to dispute by XXXX ; ( XXXX ) incorrect process of getting Collection entered to our report by Experian attributing to XXXX specifying we owe {$830.00} ; ( XXXX ) Experian, despite we providing ample proof all of these in different order as they happened refusing to remove collection with XXXX says so as a sole reason and against facts to contrary provided by us ; ( XXXX ) subsequently XXXX sent our account to ICSystems for Collection on XX/XX/XXXX ; ( XXXX ) XXXX  dismissed that collection based on facts and determining we should not owe any money to XXXX on XX/XX/XXXX. 

We reported these events subsequent to our original contact to Experian. These are indisputable hard proof of facts we also submitted in case # XXXX we submitted to CFPB for Experian to remove the incorrect Collection notation from our credit report. Hence, of the two parties here, XXXX has every reason to lie ( which they have done ) on this matter probably to mask various blatant consumer and regulatory infractions. 

Since CFPB and Experian have access to those records, we are not providing all of them in this case again. 


CFPB has complete oversight on ( XXXX ) the financial dispute process when we were getting service from XXXX - leaving aside other service violations of XXXX and ( XXXX ) all other collection related actions pertaining to Experian 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 explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: CO

Complaint narrative:
Violation of the CFPBs XXXX consent order against Discover Student Loans.The order was issued in XXXX, yet I did not receive any notice of the consent order until spring XXXX, XXXX years later. Letters attached indicate that DSL inaccurately reported my account/payment status to the consumer credit reporting agencies, failed to provide an IRS Form 1099-C, and of " impact of an issue where we made an error servicing your loan and you may have incurred a financial impact due to this issue ''. I received a small amount of compensation for these issues, with vague allusions from XXXX that more compensation is available. Unfortunately, past experience with DSL has proven time and again that it is nearly impossible to get information out of them ( see attached letter from my co-signer RE her struggles to deal with DSL, often to disastrous financial consequences to XXXX our family ). I am therefore looping in the CFPB to hopefully bypass the woefully inadequate DSL customer service, in when we are repeatedly told by representatives that they don't have access to the information requested, in an effort to get a clear record of all errors/violations caused by DSL so that we can get full compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: MD

Complaint narrative:
In XX/XX/2024 I sent letters to each credit bureau. I want one name and gave them copy of my social security card and drivers license. I have no alias. My name should be XXXX XXXX XXXX like it is on my social security number. Not XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX 

I sent bank information detailing my one and only address. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. I have no other address. This is the only address I have. It is my right to use one name, one address, one phone number. The credit bureaus after two times still refuse to correct my consumer report. These are violations according to FCRA on accurate information

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 2024-03-31 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: MD

Complaint narrative:
In XX/XX/year> I sent letters to each credit bureau. I want one name and gave them copy of my social security card and drivers license. I have no alias. My name should be XXXX XXXX XXXX like it is on my social security number. Not XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX 

I sent bank information detailing my one and only address. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. I have no other address. This is the only address I have. It is my right to use one name, one address, one phone number. The credit bureaus after two times still refuse to correct my consumer report. These are violations according to FCRA on accurate information

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 2024-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After submitting complaint XXXX, XXXX XXXX XXXX at Wells Fargo informed me via email on XX/XX/XXXX that he would not be able to respond to me about their investigation XX/XX/XXXX. The investigation is related to several recorded conversations when Wells Fargo provided me erroneous information about their forbearance program, which resulted in destroying my credit. The investigation will determine whether or not I need to pay them $ XXXX of payments that were on pause while participating in their forbearance program. 

According to Wells Fargo, I need to pay them $ XXXX of forbearance delayed payments by XX/XX/XXXX. If I do not, they will require me to pay the full amount of my property loan and could push me into foreclosure. 

This provides me with only 7 days from when their investigation is complete about whether I owe them $ XXXX or not until when the $ XXXX would be due. I have called Wells Fargo to request they accelerate their investigation or postpone the XX/XX/XXXX deadline. They said they could not do either. 

While I believe the investigation will be found in my favor, it is not possible to move a large of funds from one account to another in that short of time. This ridiculously short timeline that Wells Fargo has created is putting me into an impossible financial situation. Furthermore, it is positioning me for additional credit damage, and is putting my family 's only home at risk. I made on time payments for my entire 25 year credit history, and did not have one negative mark until Wells Fargo did this to me. This is another predatory example of their program, and it is unethical.

Attached is a letter from the investigator at Wells Fargo, and the notice of what they say I need to pay by 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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After attempt multiple request for a copy of my credit report\credit files. The company failed to send me free copy of my credit report under Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: FL

Complaint narrative:
Equifax continues to report an incorrect balance on my credit report for accounts XXXX XXXX XXXX and XXXX, although I have disputed these accounts as discharged in a XXXX XXXX XXXX I have disputed these two accounts multiple times but Equifax continues reporting the two creditors balances inaccurately on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
They have this XXXX loan on my credit over and over and over and it's the same repeated and repeated and repeated and it's killing my credit score killing my credit and it's supposed to be forbearance anyways so I try to talk to them about it at the XXXX but it's very difficult to try to apply for a person you meant to talk to and they're not fixing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: CA

Complaint narrative:
I filed a dispute with TransUnion on XXXX due to an invalid debt collection that appeared on my TransUnion report and on my XXXX consumer report as well. The reason I'm writing this complaint is due to the fact that, i filed two disputes for an inaccurate collection one to XXXX and one to TransUnion. 
XXXX XXXX XXXX account # XXXX, report # XXXX, was deleted immediately from my XXXX consumer report on XX/XX/2024. 
XXXX XXXX XXXX account # XXXX has been disputed on my TransUnion consumer report as well, but TransUnion has yet to delete this derogatory inaccuracy. 
I'm asking that you please investigate TransUnion 's reviewing of my disputes due to the fact that XXXX deleted the account therefore admitting that this XXXX XXXX XXXX is in fact invalid. 


Thank you for your time and attention to this matter.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Advanced Resolution Services Inc.
State: NJ

Complaint narrative:
After attempt multiple request for a copy of my credit report\credit files. The company failed to send me free copy of my credit report under Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: CA

Complaint narrative:
On the XXXX XXXX XXXX XXXX I went to withdraw my money an it said invalid card so I called the number on the card an it said a new card has been ordered an will arrive in XXXX  days but I never ordered an new card an direct expess will not let me in my account to fix it Ive sent them my valid id an birth certificate they sent me back emails say Ive been verified I call back an they say no do it again Ive been doing this for a XXXX  straight non stop because I need my money Im about to b homeless now because of this I have had XXXX XXXX an Im on XXXX an they r treating me like I did somthing wrong an r hold my money I have all the emails Ive sent an all they sent me to prove what they r doing please help Im trying to do my best but its getting worse Ive been to dmv got new id been to clerks office for new birth certificate an been to XXXX office non stop for this whole month without a XXXX  an done everything they asked XXXX times or more an still noting my name is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
shellpoint mortgage put a notice of default and I did not signed any document those documents are not real they were made fraudulently also I wanted to report that shellpoint is a collection agency with no XXXX XXXX number and the employees do not have a license to make modifications or any kind of real estate transactions I wanted to report that they put me a notice of default on XX/XX/XXXX and I paid them XXXX dollars on XX/XX/XXXX and they never applied the money to the account now they recorded another notice of default with altered documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: FL

Complaint narrative:
I look at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXX account Number XXXX ), ( XXXX XXXX XXXX  Account Number XXXX ), ( XXXX XXXX Account Number XXXX ), Hard inquiries ( XXXXXXXX XXXX ) , ( XXXX XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX XXXX XXXX ) are not complete and accurate .

and one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

check the attachments below.

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