vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — FHA 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: TN

Complaint narrative:
Complainant is alleging that Wells Fargo acted not in his/her best financial interest by having him/her to agree to a second loan modification on XX/XX/XXXX, that lowered the interest rate from 7 % to 5 % but extended the FHA mortgage maturity date by another XXXX  years ( until XX/XX/XXXX ), which is not what the complainant agreed to. In fact, the Complainant does not even recall requesting a XXXX  loan modification from Wells Fargo because he/she had already completed a XXXX loan modification from Wells Fargo in XX/XX/XXXX. The terms of that loan modification had a maturity date of XX/XX/XXXX and left the original interest rate at 7 %. Complainant is alleging that the mortgage on his/her property should now be paid off, based on the XXXX  loan modification. The unpaid principal balance was {$44000.00}. That loan amount from the XXXX  modification still shows up today on my mortgage loan from XXXX. 
However, under the terms of the XXXX  loan modification, the unpaid principal balance was changed from {$44000.00} to {$51000.00}, and the maturity date was changed from XX/XX/XXXX to XXXX/XXXX/XXXX. To this day, the " revised '' unpaid principal balance was never reported as the loan amount on the Wells Fargo app that is being used to pay the mortgage on a XXXX  basis. The {$44000.00} unpaid principal amount is still showing as the " original loan amount '' on the Wells Fargo app. The bank is refusing to acknowledge that a costly mistake has been made by extending the maturity date. This mistake is causing undue financial stress on the Complainant who believes that Wells Fargo has committed FHA mortgage fraud in the processing of the XXXX  loan modification so that the customer will at some point in the future default on the loan, enabling the bank to foreclose on the property. 
Complainant has tried to work with Wells Fargo to resolve this situation, but the bank is not willing to own up to its own mistake. Complainant would have never agreed to pay a mortgage on his/her personal residence for a period of XXXX  years. The FHA mortgage originated XXXX and was assumed by the Complainant in XXXX. The maturity date on the original mortgage was supposed to be XX/XX/XXXX. However, by Wells Fargo executing the XXXX  loan modification, the bank saw fit to make more money off of the Complainant by extending the loan maturity to XX/XX/XXXX. Complainant alleges that the bank did not act in the best financial interest of the customer and was only trying to increase bank profits by offering an absurd XXXX  loan modification that clearly violates the Complainant 's consumer rights.

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 2024-02-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries were not authorized. I contact the companies via mail. I received letters stating " You must file the dispute with the credit bureau agency that is reporting the dispute. '' I have reached out several times to the credit bureau as well as the companies and I keep getting told to contact the other. 
Unauthorized Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A clarification on the disputed charge with XXXX : The original contract attached states that {$260.00} is due at delivery on the pod, which was paid on XX/XX/XXXX. The total leftover is {$110.00}, due on the pick-up date of XX/XX/XXXX. XXXX XXXX XXXX charged me {$270.00} on XX/XX/XXXX. They said this was the monthly rent price, but nowhere on my contract or confirmation emails does it state this. I also talked to multiple people over the phone, confirming the {$110.00} was the only remaining balance, and they confirmed. XXXX XXXX XXXX even listened to the recorded phone call and agreed that the representative told me but still refused to do anything about it and said that in an email, too. 

Actions I have taken : I opened the claim in XX/XX/XXXX with Capital One, and they still need to provide a link where I can upload the supporting documents ; then, they closed the claim without following up. I re-opened the claim in early XX/XX/XXXX, and they provided the link, and we uploaded the documentation twice on XX/XX/XXXX ( they declined the claim instantly ) and we redid it again with a supervisor on XX/XX/XXXX and they declined the next day XX/XX/XXXX, claiming that it has been more than 60 days since the original claim was opened. We have a recording of the supervisor agreeing to the claim being valid on XX/XX/XXXX and endorsing it to the investigation team again. 

Request for reimbursement : Based on the attached documents to the claim and the above explanation, I requested a reimbursement of the ( XXXX XXXX ) = XXXX plus any interest charged on this amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 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: U.S. BANCORP
State: MA

Complaint narrative:
we got alerts that our credit card was charged, charges we 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have written once before and now I am having to write for the second time as the first time around my requests were ignored. This is taking a toll and myself and my family and I need these errors to be addressed an corrected. At this point I need them to do their due diligence and ensure what they are reporting is totally correct and continue to do so moving forward to avoid these errors moving forward.

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 2024-02-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America Account ending in XXXX Bank of America Claim number XXXX Dear CFPB, I am submitting a complaint againt Bank of America because they have incorrectly resolved a dispute without reviewing all the documentation I submitted to show that I paid for an XXXX XXXX XXXX using a Mileage Award from XXXX XXXX. 

XXXX charged my Bank of America Card {$220.00}, whereas, my credit card was only presented for proff of identity and payment of any incidental costs, if I had incurred them. XXXX also charged me for gasoline, yet I returned the vehicle with more gasoline in the tank than when it was rented to me. This is evident from the receipt from XXXX ( See attachement ). 

Bank of America did not do any RESEARCH and incorreclty allowed the charge of {$220.00} to be my responsibility despite my request to dispute this transaction twice. 

I WAS ABLE TO CONFIRM that I paid for the service to rent an XXXX XXXX XXXX using my mileage Award from the American Airline Advantage Award program, I redeemed XXXX points. Therefore, I am submitting the same documentation to CFBP that I submitted to Bank of America. 

Bank of America wrote to me the following : " Our research included the information you provided with your claim, your account history, and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : Were unable to confirm that you paid for the merchandise or service using another form of payment. We requested, but didn't receive, information showing what form of payment, other than your credit card, was used. 

Weve contacted the credit reporting agencies below to add a comment to your credit report stating you disagree with our decision on your claim. Please keep in mind it may take up to 60 days for the comment to appear on your credit file. '' ABSOLUTLEY No comment should be on my credit report, and I want this removed.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I bought a used car from them some things fell threw with life and it got repo after that they sold my car to someone else but wanted me to pay for it still so we went to court and the judge said i needed to pay {$100.00} every month till it gets paid this was issued in XXXX- so since then which i have all my receipts and i have paid {$100.00} like im suppose to but they have reported me over 90 days late for every payment- which now is effecting me buying a home and holding up the process and my lender advised me to reach out to you guys- below i will attach my docs, ty

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 2024-02-13 00:00:00
Product: Credit reporting 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:
I recently reported to the credit bureau that they are reporting wrong information on their credit report. After paying my monthly XXXX bill on time for approximately XXXX  years I notified XXXX on XX/XX/year>, I was moving out of state and requested my name be removed from my account. XXXX agreed to do this because my wife was remaining at the address, and she wanted to continue using XXXX and continue to pay the monthly bill. Although my name should have been removed on XX/XX/year>, XXXX failed to do this and continued to send my wife the monthly bills under my name. My wife contacted XXXX and they did not correct their error until XX/XX/year>. XXXX sent an email acknowledging their error and backdated the transfer date to XX/XX/year>. Included in my correspondence to you is a copy of the XXXX email acknowledging their mistake. My wife had enrolled in XXXX XXXX and XXXX deducted each monthly payment from her checking account. XXXX even changed the account number. I have also included the monthly bills past the date when I was removed from the account. I have tried to correct the account with XXXX, but they do not allow me to talk to the person who will be conducting the investigation to explain the situation. You have to speak to a clerk who does not do the investigation and only says you are disputing the bill. I have also reported to the XXXX major credit bureaus that I do not owe XXXX any money, but the credit bureaus has not corrected or removed the negative reporting. As a result of XXXX actions and the credit bureau my XXXX score has been significantly reduced, probably raising the cost of my insurance and ability to obtain better interest rates. I am requesting your assistance in resolving 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 2024-02-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX, I made a dispute with Wells Fargo credit card division. I explained that I hired someone on XXXX to finished a website. Once I hired this person, I started receiving different emails from XXXX, saying that my account had fraudulently activity. They sent me 5 emails asking for my credit card cvv and the expiration date. I knew this wrong because I knew a company would not ask for that information. They would just disable the account. In the midst of this, I received an email from XXXX saying my information had been compromised on the dark web. As I continued to work with the seller, he kept asking me to send him a code to transfer my domain, as I continued to give him the code over and over, he acted as if he couldn't receive the code. As I kept giving him the codes, XXXX sent me a text message stating not give anyone my code. At that point I knew he was trying to steal my information and access my personal accounts. I cancelled my order immediately and did a dispute with my bank. When I did the dispute over the phone, the man did not request any information nor did he go through the regular routine that they normally do when you file a dispute, that leaves me to think Wellsfargo is a XXXX bank. Once he heard I was XXXX XXXX he did not care through the proper way of doing the dispute. I never heard anything back from Wells Fargo since the day I Initiated the dispute nor did I ever receive my money back. XXXX said they would refund my money and they never did and Although I told my bank that I cancelled my order with the seller and the company was being fraudulent, they never cared to reach back out either.

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 2024-02-13 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/year> I opened XXXX disputes with Paypal for XXXX {$290.00} charges. This company ended up being a scam and used false advertising. They would also not refund money. I went to check status on Paypal a couple of days later and they put that info from merchant had been received but they never notified me. If I had not checked it would have closed in merchant favor as I would not have had a chance to provide info. This should have been resolved days ago but has not even when customer service said they expediated. There is no card # as this is Paypal credit. My paypal is 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 explanation
Consumer complaint received 2024-02-13 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: TX

Complaint narrative:
Ive continued to raise concern with XXXX reporting of 7yr old derogatory trade on my reports. 

The information is inconsistent across reports and date of delinquency isnt aligned. This account should be removed. 

There also continues to be report of late pay each month though the account has long been charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
To the best of my knowledge, FCRA 605B requires the removal of incorrectly reported accounts from credit reports. While I'm uncertain about the specifics, I urge you to review the accounts outlined in the documents. They're inaccurately represented on my credit report, with incorrect account information and statuses. This situation has deeply upset me, and I'm feeling unwell as a result. I'm reaching out to seek your assistance in resolving 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies XXXX, XXXX, and Transunion. I was going through my credit report today and noticed that your company report me late on XX/XX/XXXX. As you can tell, I have had an exceptional payment history and have not had a single missed payment on any of my XXXX XXXX accounts since this time. Because of my otherwise exceptional payment history over the years, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, I was out of work due to an unforeseen medical issue, and immediately brought my accounts up to date the following month although I was still out of work for most of the time. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove that late payment from my credit report. I hope you'll approve my request so I can get closer to my financial goal this year. My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I have been a very happy customer in the past and hope to continue a long relationship with 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies XXXX, Experian, and XXXX. I was going through my credit report today and noticed that your company report me late on XX/XX/XXXX. As you can tell, I have had an exceptional payment history and have not had a single missed payment on any of my XXXX XXXX accounts since this time. Because of my otherwise exceptional payment history over the years, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, I was out of work due to an unforeseen medical issue, and immediately brought my accounts up to date the following month although I was still out of work for most of the time. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove that late payment from my credit report. I hope you'll approve my request so I can get closer to my financial goal this year. My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I have been a very happy customer in the past and hope to continue a long relationship with 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 explanation