vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 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: WI

Complaint narrative:
On XX/XX/XXXX a purchase in the amount of {$6500.00} was charged to the credit card by a company called XXXX XXXXXXXX XXXX. This purchase was for goods and services associated with a solar panel installation that never occurred and the merchant did not refund the money. 

According to the solar installation contract, the merchant was supposed to install the solar panel project to " substantial completion within 4 months '' At the end of the 4-month period, the merchant had not yet installed the installation project. 

An email between myself and XXXX XXXXXXXX XXXX on XX/XX/XXXX indicated that the merchant would need additional time for the project even though the original 'substantial completion ' date should have been XX/XX/XXXX. Another email between XXXX XXXXXXXX XXXX and myself on XX/XX/XXXX indicated that they would be extending the delivery of the goods and services an additional 2 months after XX/XX/XXXX. Another email on XX/XX/XXXX indicated that I would be contacted within XXXX weeks to provide a project status update. No status update was provided and the company stopped responding to inquiries about the project. I then immediately proceeded with an attempt to resolve the situation with the merchant by cancelling the contract and demanding a refund for the charges paid. 

According to XXXX Rules ( see XXXX XXXX Chargeback Guide Merchant Edition - XXXX XX/XX/XXXX ) page 52 " In cases involving delayed delivery of goods or services and the delivery or performance date was specified by the merchant and the LATEST anticipated delivery of performance date was specified by the merchant has passed '' that the dispute must occur 120 days after that date has passed.

The card issuer maintains that the dispute was untimely however, based on their own rules. The specified delivery date was 4 months from the date of signing of the contract. The merchant then effectively extended their specified delivery dates through email on XX/XX/XXXX and again on XX/XX/XXXX thereby resetting the 120 day window for a dispute ultimately to 120 days after XX/XX/XXXX. A dispute was mailed by certified mail to Capital one on or about XX/XX/XXXX. This is Just 20 days after the last specified performance date of the merchant. Furthermore, the card issuer won't accept a dispute until the cardholder tries to resolve the problem with the merchant which was done prior to submitting the dispute. 

The dispute was in fact timely based on the XXXX published rules because the the dispute was submitted " within 120-calendar days of the latest anticipated delivery of performance date specified by the merchant '' ( see page 52 of the chargeback guide ). The latest anticipated delivery date of the goods was XX/XX/XXXX after the merchant changed the delivery dates twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or about XX/XX/2023, Chase Bank submitted for payment to my bank, XXXX XXXX, an {$8900.00} check which was clearly altered with respect to the payee and the payment amount. As per XXXX, this check was not presented for payment as a substitute check but instead in paper format. Even though I promptly reported this issue to XXXX and XXXX apparently promptly forwarded my claim onto Chase, Chase has not to date acknowledged that the check was improperly and illegally altered prior to its deposit by its depositor and/or accepted financial responsibility for breaching the appropriate UCC warranties with repect to this check. This is even though they have had more than adequate opportunity to investigate this matter. Chase contacted me by phone on XX/XX/XXXX to confirm that this check was originally written by me payable to the XXXX XXXX XXXX XXXX XXXX in the amount of {$160.00} and that I had not authorized its alteration. I advised Chase that I did not know a XXXX XXXX and that clearly their depositor was a thief. Any rational person looking at the check could easily see that this check was altered, and it should never have been accepted for deposit in the first place. For XXXX to further delay in accepting responsibility for this altered item is unconscionable. Also, it's KYC procedures appear to be inadequate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

Attached is proof of the inaccurate 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 2023-04-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am attaching a letter that I recently wrote to Experian to illustrate how my rights protected under FCRA 611 ( a ) ( 7 ) have been violated. In this letter I requested certain information and Experian was supposed to get this back to me in writing no later that 15 days since they recieved the Method of Verification request letter. I am positive the account in question dosnt belong to me and have placed a fraud alert on my credit report. I will file a court case if need be and the information requested in that letter will be needed in the case. Experian has mailed me no such letter and didnt do a real investigaion, they simply " verified the debt '' updated the dispute, which is what I specifically asked them not to do in the letter. My letter was to get details of what methods used and It is my right to know that given by the FCRA. Because it has been over 15 days since Experian recieved my letter I kindly request that it is removed immediately from my credit file.

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed a letter to all three reporting agencies to reconcile my report. Since my last communication, I have waited 30 days for a response and at this time I can't get my current score or report. My main concern is that the bankruptcy from XXXX is still present on the credit report as well. I have sent copies of a letter from the Eastern District bankruptcy court in XXXX WI stating that this information was not supplied by them to any reporting agency. I have since asked the reporting agencies to submit the following. 

Please verify that this public record is reporting completely and accurately please verify that the complete and full court name is reporting the full complete and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition dates, filed date, pay date and settle date. If you are unable to verify any of the information requested remove this bankruptcy immediately all dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.

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 2023-04-07 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed a letter to all three reporting agencies to reconcile my report. Since my last communication, I have waited 30 days for a response and at this time I can't get my current score or report. My main concern is that the bankruptcy from XXXX is still present on the credit report as well. I have sent copies of a letter from the Eastern District bankruptcy court in XXXX WI stating that this information was not supplied by them to any reporting agency. I have since asked the reporting agencies to submit the following. 

Please verify that this public record is reporting completely and accurately please verify that the complete and full court name is reporting the full complete and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition dates, filed date, pay date and settle date. If you are unable to verify any of the information requested remove this bankruptcy immediately all dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.

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 2023-04-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: DC

Complaint narrative:
I have a XXXX loan that originated in XXXX. I have paid plus/minus {$800000.00} since XXXX. The loan is now serviced by XXXX  XXXX XXXX. 

Bank of New York Mellon wrote on XX/XX/XXXX to me and the CFPB the following but did not provided the requested documents that I requested proving that they in fact are the trustee for my loan. 

" Re : Case Number XXXX ; XXXX XXXX XXXX the Consumer ) and XXXX XXXX XXXX XXXX XXXX, XXXX, DC XXXX XXXX the Property ) To whom it may concern : The Bank of New York Mellon XXXX formerly known as The Bank of New York XXXX BNY Mellon XXXX XXXX has completed its research of Case XXXX. 

Our research shows that the Property secures a mortgage loan ( the XXXX ) serviced by XXXX  XXXX XXXX, XXXX. ( the Master Servicer ) held in XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ( the Trust ). XXXX XXXX acts as the trustee for the XXXX but does not service or have the authority to service the XXXXoan.

The Master Servicer is the party who is required to service the Loan, which includes, among other things, determining whether to modify, or respond to Consumers concerns related to, the Loan.

The Master Servicer has advised that any questions concerning its servicing decisions related to the Mortgage Loan be addressed to XXXX and that any written communications be addressed to its Office of the CEO and President, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Please update your records to reflect the Master Servicer as the appropriate responsible party to respond to the Consumers concerns.

I request Bank of New York Mellon to provide documentation of their below statement. I have previously request such documentation and they have not responded.

" Our research shows that the Property secures a mortgage loan ( the Loan ) serviced by XXXX  XXXX XXXX, XXXX. ( the Master Servicer ) held in XXXX, XXXX Mortgage Pass-Through Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ( the Trust ). '' Thank you, XXXX XXXX, XXXX. 
( XXXX ) XXXX ( cell )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
Aidvantage, Department of Education collection company looked in my credit from the year of XXXX and reported that I am four late payments behind. I have four different loans. As of the XX/XX/XXXX it was credited asif it recently happened. I called the company I told them about it and they can go back 7 years on your credit and report. I told them you didnt have power of attorney of my account and company didnt exist. I filed a dispute with experian they did nothing but say we sorry. My credit score went down XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Mortgage was abusive or refused to assist in modifying a mortgage.

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing regarding accounts that are fraudulently, and inaccurately reporting on my credit report. I have disputed these accounts multiple times. I dont own a car loan or account with a company by the name ( XXXX XXXX XXXX  ) I also have proof of the XXXX XXXX XXXX XXXX  payment never being late ill include documents I. my complaint. XXXX XXXX  XXXX is also fraudulently reporting information. 
( XXXX XXXX ) stated that I have had any XXXX payments but it shows late on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 2023-04-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX, Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXX : XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX. 
Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A states, I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish my account without my written permission.

15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) 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.

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 2023-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a phone call from XXXX at Wells Fargo Auto Finance, and I told him what I have in process of suing the car dealership. He asked what Wells Fargo Auto Finance could do to help me. I told him that the monthly payments have to be lowered. I`m paying {$550.00} for a used car that is only worth {$15000.00}, so I can not refinance. He said they 'can`t do that ', so I hung up on him and blocked his phone number.

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 2023-04-07 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: SC

Complaint narrative:
XXXX XXXX my tax refund in the amount of XXXX was deposited into my Chime account aka The XXXX, from The XXXXXXXX XXXX ( IRS ). I made a purchase to XXXX 's XXXX and paid a few other bills. On XX/XX/2023 my account was suddenly closed. I contacted Chime via customer service phone number. I then was directed to XXXX via email. I corresponded back and forth several times XX/XX/XXXX - XXXX 2023. I was told that my account was closed for suspicious activity. I was then told that I'd receive my balance via check to address on file after uploading identification and an explanation on why I had deposits sent to the account. It's clearly advertised that tax refunds can be sent to Chime amongst many other prepaid cards. Ive conversed everyday since then and no progress towards the release of my tax refund.Ive cooperated and sent everything requested. I just keep getting the same computer generated responses stating that I have violated Deposit Agreement Terms. Never anything specific. Due to this my family and I might be evicted, carless, and more in debt. I am a victim of Identity theft. XXXX has offered to verify my identity to them. Which Chime will not accept. Im out of options, I deserve to be helped and protected not to constantly robbed of my money and privacy. Please help me. 
Thank You XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
A fraudulent payday loan was made in my name. I became aware of the issue on XX/XX/6th 2023. I received a letter from XXXX XXXX about debt collection. The company name is XXXX. I reported that this was identity theft/fraud to them as well as XXXX, XXXX, and XXXX. I have put a freeze on my credit with all three reporting agencies. 
When I checked my credit report this shows as a bad debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am writing this Complaint concerning the high interest rate on my Used XXXX  XXXX. I understood I signed all the paper work for the car and the interest rate. I am not struggling to pay the note but my concern is the interest rate being 21 percent. I know if I could get the interest rate lower the note will automatically get lower. This complaint or concern is for Credit Acceptance.

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 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
On March 23d, 2023 verification of debt letter and statement to show full break down of charges on a debt owed. The owner of the account LVNV failed to send me the full statement from XXXX XXXXXXXX XXXX  to be able to file a proper police report of the fraudulent charges on my past account with XXXX XXXXXXXX XXXX. On the Summary of Account activities it only show the previous balance and interest charged, but not the full summary of what my previous credit card was utilized for in the past before the charge-off.

Company response to consumer: Closed with explanation