vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Viewed credit report and it shows that XX/XX/XXXX payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/XXXX. A payment is {$250.00} was paid on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX Bank, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Also, all dates listed need to reviewed. 
Current payment history XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late Previous reported payment history XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current

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 2023-07-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Viewed credit report and it shows that XX/XX/XXXX payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/XXXX. A payment is {$250.00} was paid on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX Bank, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Also, all dates listed need to reviewed. 
Current payment history XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late Previous reported payment history XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current

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 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Consumer Adjustment Company , XXXX illegally re-aged an old debt that is past the statue of limitations and has failed to provide paperwork to validate the alleged account and/or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I have spent the last 2 years trying to get a loan modification through my current mortgage holder Mr Cooper. I have been stuck in a non stop repeat cycle, I fill out all paperwork and gather all documents requested, follow up and am told they have everything they need, then the next week I follow up the person that tells me they received everything is no longer available and that Im missing documentation that I confirmed they received the previous week. I then resend everything that Ive already sent and call to follow up and they say my application has expired and I have to start the process over again. After about 12 times of doing this I got fed up and complained and was transferred to the escalation department who tell me they will be my single point of contact and then they do the exact same thing, tell me they have everything they need and then the next week Im dealing with a new person once again telling me to start all over again and my single point of contact is never available or heard from again. Ive put in 9 requests in the past 3 months for a supervisor to contact me and not once have I been contacted by a supervisor. The last attempt I finally was able to get it sent to the underwriter but Mr Cooper Mortgage didnt include income that they requested and I sent and was confirmed it was sent. I then spoke to XXXX XXXX who told me all I had to do was send in an appeal letter and more check stubs from my wife. The next week I confirmed XXXX XXXX had everything she needed to which she agreed and stated she would follow up with me weekly. Then once again XXXX XXXX is not available just like my previous 5 single points of contact and XXXX speaking to someone new telling me I have to start the entire process over again. I truly believe this company has no intention whatsoever in attempting to do a loan modification and are following a script to keep customers in a never ending cycle until they can sell home out from under us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX of 2022 I opened up a Wells Fargo checking account and had opened it in part to receive the XXXX dollar bonus that would come after 90 days of the account being opened. I experience a horrible headache trying to succumb my bonus of XXXX dollars and the bank determined I could not get the bonus, HOWEVER, I received in email stating due to the inconvenience I would get XXXX dollars as a courtesy credit. I did not get that neither. This is why Im reaching out to CFPB not for the bonus but for the funds I was told to receive that the bank is stating they never stated. I have called Wells Fargo over 7 times since opening the account. At first it was trying to see about the Bonus, but very recently it has been for the courtesy credit since a determinations factor of the bonus had already been denied. I do not have the email any longer from Wells Fargo but I believe that they should as they are the ones that send them out. I can only view the email for up to 60 days before it is deleted and it has been well and over that deadline.

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 monetary relief
Consumer complaint received 2023-07-13 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: GA

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This loan from XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX was taken out on an original title and also a car title loan. Which places a memorandum title under my name in the license bureau and occured wrong for a tow and repossession about the possession of the car. The tow place XXXX XXXX XXXX towed it and the lien holder picked up which to my understanding was the lien holder who's name was in the memorandum title with my name also on there as the owner bought for about XXXX but the auto loan was XXXX at the car lot in the contract. I have lost my contract and the memorandum title the date of purchase was XX/XX/. And I do not have possession of the vehicle. Because it was towed and is now in the lien holders possession in XXXX Ohio credit acceptance is in Michigan. For some reason I was not contacted about the repossession of the vehicle or the tow. So what was weird is that they picked up from the tow yard and has the lien holder doing so. But the repossession was supposed to go to XXXX XXXX I denie both the purchase and the memorandum title for only having put a down payment down. The repossession took place only because of one missed payment. Harassment came from the county court. And I don't know what happened but they took a driver 's license completely off the record before it was supposed to expire. I haven't heard anything about the car the loan or the reason my driver 's license was replaced plus someone is in possession of it the XXXX loan seemed like a car title loan scam. And plus identity theft because they would have to replace tags and they have been in title places taking off cars with original titles and it repeats about a XXXX XXXXXXXX I had like that could have been my fault on all three. They have wipes out my county record and no record of the spark so it seems wired about the loan from XXXX Ohio where I bought the car from. An extension of picking the car up went under I understand partly it's paid for but the title loan isn't from credit acceptance. There is civil claim attached to this I lost for my payments back for being in the middle of this loan on a car already bought.

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 2023-07-13 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: IL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied for a Frontier Airlines XXXX on XX/XX/23. When the card arrived in the mail there was no mention of the XXXX bonus miles as promised on the offer. I called Barclays Bank/Frontier at that time and they refused to honor the promo voucher I received from the stewardess inflight. At that time I told them to cancel the card, as the card was never activated. 
On or about XX/XX/23 a {$20000.00} credit appeared on my existing XXXX XXXX account from Frontier. Immediately I called Barclays Bank to report this unauthorized fraudulent transaction. The fraud team verified my identity and assured me this would be removed and my account was officially closed and that I would not be responsible for any finance charges related to their error. 
After calling and speaking to agents over a dozen times during the last 2-3 weeks regarding this careless error, they want me to open a new account and deposit the {$20000.00} in a new Frontier account. 
I have exhausted all resources on my own and I need professional help and advice. 
We have a problem communicating with them.

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 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX is both identfied wrong on my credit file it should br XXXX XXXX not XXXX the correct listing is XXXX XXXX and amount owed is wrong i owe XXXX not {$85000.00} they have listed so me missing payments are somebody fault there not mine do what you have to thanks

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 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Select Portfolio Servicing ( SPS ), has been claiming we owe them over {$7000.00} in escrow and in inspection fees. They are incorrect. This dispute goes back to 2021, and we have been unable to resolve it. Please see attached documents for full explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
Two events which leads to credit scoring and auto payments impacts. : I believe that I am a consumer targeted in unfair practice by XXXX and its auto lender Exeter Finance. In XXXX  I purchased a XXXX XXXX XXXX  used from XXXX. Due to the urgency of the need of the car to get to work and having very little downpayment cash, XXXX offered a {$2000.00} trade in on my vehicle that was performing badly- towards the cost {$24000.00} purchase. During the XXXX hour, I was faced with signing for a 9 % interest rate. Things snowballed from there when a year later the pandemic hit. I contact Exeter about possible moving 2 payments to the end of the loan, however Exeter customer service would just ask me to update my account information and if ai had any relatives to pay the bill. Since covid, I was XXXX XXXX XXXX and had income cut in half. As I pay the monthly bill, I am still 2-3 months behind and with {$16000.00} left on the loan and I get up to 4 calls per day about the arrears although the company is aware of my stressed and stretched income statue the company will not make any concessions. These 2 events has aided to my credit score Constantine dropping. I live in fear everyday of my car being repossessed and the company lack of assistance. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: CA

Complaint narrative:
Notice discovery has been running credit inquires every month and every week since the year 2022. I never have or applied for a discovery credit card. I called discovery they said no open account is open on their end. They ran my social to confirm. They inform me to contact you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX I was contacted by Chase about attempted fraudulent transactions that I didn't authorize during the call the Chase rep sent codes to my phone and somehow retrieved these codes and opened opened an XXXX XXXX account with an XXXX. I received the call at XXXX and these codes came to my phone at XXXX I never requested any codes and never authorized anyone to debit my account. The caller was a Chase Representative because the initial call is logged in their system. I have contacted their fraud department and was told I assisted in being defrauded and I won't be refunded. These debits came from account transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello I've been contacting credit bureaus XXXX and TransUnion to get this XXXX XXXX XXXX record off of my credit report the balance is paid off and the company stated they will inform the credit bureaus to remove it but the only one that has removed it is XXXX. TransUnion and XXXX stated they would remove it but has not done so yet and it's been over a month now I spoke with them in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There was a check cashed by teller to XXXX XXXX, he walked in and cashed a XXXX check and it overdrawn my account and Bank of America refused to help and talk with teller that cashed the check. Then after I couldn't repay they closed my account. This check was to a contractor that made give a estimate of work to be done, work was not done correctly. I had this account overdrawn and contractor didn't complete the work.

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 2023-07-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

FAIR COLLECTIONS AND OUT Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. 

FAIR COLLECTIONS AND OUT Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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