vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I previously submitted a complaint to the CFPB on XX/XX/XXXX against XXXX XXXX Bank due to unfair practices of not letting me pay off my debt despite calling and following up with them multiple times, and hitting me with delinquent payments and hurting my credit score. My credit score has still not returned to the original value it was at before I had opened a card with this bank. I have always responsibly paid off all my debts and worked extremely hard to increase my credit score. Please see the attached file for my earlier credit scores ( in XX/XX/XXXX ), where XXXX was XXXX ( I'm currently only at XXXX ), and Equifax was at XXXX ( currently only at XXXX ). This is unacceptable and a violation of my rights as a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo wrote to me asking for proof of insurance coverage. I uploaded this information to their website : [ 1 ] XXXX website confirmation dated XXXX [ 2 ] XXXX XXXX XXXX XXXX XXXX with a policy period of XXXX to XXXX shown on page XXXX. 

I received another communication from Wells Fargo asking for proof of coverage between XXXX and XXXX. I uploaded this information to their website : [ 3 ] XXXX website confirmation dated XXXX [ 4 ] XXXX  dec page pdf, with a policy period of XXXX to XXXX shown on page XXXX. 

I received another communication from Wells Fargo, again asking for proof of coverage between XXXX and XXXX. This time, I called the number on the letter [ 5 ] XXXX phone call log from XXXX, where I called Wells Fargos Hazard Insurance Processing Center. I pointed the representative to the documentation that I had already uploaded that satisfied the requests. The representative agreed with me, said that they would update their system, and told me that no further action was required on my part & that I would not be charged. 

However, I received another letter from Wells Fargo saying that I was charged {$100.00}. 
[ 6 ] XXXX  letter from Wells Fargo indicating a {$100.00} charge for a lapse in coverage between XXXX and XXXX. 

I replied to all communications in a timely manner and provided satisfactory documentation, even getting confirmation from the Wells Fargo representative. I believe that this charge is unjustified, and should be refunded in full.

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 2023-06-18 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: NC

Complaint narrative:
Bankruptcy address shown on report I never live there. Wrong 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 2023-06-17 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: CA

Complaint narrative:
I disputed the child support account on my XXXX they didn't remove it but they removed it once again on all three credit bureaus they know it's unconstitutional and it goes against 18 U.S. Code 1028A - Aggravated identity theft I reported to the federal trade commission XXXX child support is voluntary it says it on the paper u never agreed to pay and I got took off and put on 5 times so that means it was never updated that would make it breach of contracts on top of everything else and they removed off of my report again and put it back you can't mandate anything that says voluntary and I dropped off a c.o.l form already color of law it's a federal violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: CA

Complaint narrative:
Upon checking my credit I noticed some inaccurate reporting on another account at Experian LLC as follows : 1. ( account # XXXX ) name : XXXX XXXX XXXX 

Please provide the following documentations as follows : 1. Original contract baring my wet signature 2. Balance history 3. Credit insurance 4. Payment history 5. Payoff disclosure 6. Interest rate disclosure If you can't provide such documents please remove inaccurate account from my credit report.

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 2023-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
i disputed some accounts a liitle time ago when i check my credit report again and seen some more accounts that did not belong to me

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 2023-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter Finance has not applied my most recent payment to my account. 

I made a payment on XX/XX/2023 for {$230.00} to get my account current. I then made a second payment on XX/XX/2023 of {$62.00} for the late fees. 

Currently as it stands the payment of {$230.00} has been applied to the past due balance. But the payment of XXXX shows it was processed but it was never applied to my late fees and shows it was applied to interest. This amount also does not reflect the reduced amount on my next payment due on XXXX XXXX. Which is causing me to show a payment due for XX/XX/XXXX of XXXX which include the late fees. 

Therefore the amount of {$62.00} has disappeared and has not been reflected on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XX/XX/2022 {$1600.00} SHELLPOINT MORTGAGE SERVICING " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened an online on XXXX/XXXX/3023. The account was up until two or three days later it restricted without reseason. 
I reached out to the bank to why it had been closed but everyone I tried to speak with would not talk bout the reason for the restriction. 
The online application said that if I opened the account I could receive {$220.00} as long as have my income direct deposit to that new account that I opened. 
About two weeks later, after calling so many times for and answer about the restriction on the account, receive a letter telling to call the bank as soon as possible to find out what the issue was but I did that and still no answer given. 
In addition, the letter that was sent wasn't even a letter disclosing the consumer reporting agency they used which I thought was very uncommon. 
I told them that there is a conspiracy between them and XXXX XXXX XXXXXXXX. The reason I am saying this is because on XX/XX/2023 I opened the account first with XXXX XXXXXXXX XXXX and they immediately declined my application for and account. On the XXXX/XXXX/XXXX  I opened an onli account with chase bank but suddenly it was restricted without cause. XXXX XXXX XXXX  sent a letter, from a specialty agency which I found out is owned by both XXXX  XXXX XXXX and Chase bank and I believe chase denied me because of information given to them by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the rights to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act. 

Also Inquires listed below were made without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-17 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: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the rights to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act. 

Also Inquires listed below were made without my permission. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not responsible for this debt with XXXX XXXX. I do not have a contract with this company. They did not provide a contract as requested.

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 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I opened a new credit card with American Express. American Express did not email me when the payment was due on XX/XX/XXXX but I noticed myself on XX/XX/XXXX and immediately paid off the entire statement balance. I also enrolled in autopay. Several days later I was charged an entire month 's interest on not only the statement amount due, but the amount due for the following month. When chatting with an American Express representative, I was told I would be charged an entire month 's interest for both months despite only being XXXX day late on the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Silverman Theologou, LLP
State: DC

Complaint narrative:
Greetings CFPB, May this email find you well. The Government Printing Office hired the law firm of Silverman Theologou , LLP, XXXX XXXX, XXXX, XXXX XXXX, XXXX to file a claim in DC XXXX XXXX against XXXX XXXX XXXX previously, for credit card debt of approximately {$600.00}. 

I filed an extension of time request on XX/XX/23, to allow me sufficient time to present a successful counterclaim. On XX/XX/23, I checked the court case records and discovered the court case file by Silverman Theologou , LLP, XXXX XXXX, XXXX, XXXX XXXX, XXXX  and the Government Printing Office was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: TN

Complaint narrative:
i disputed some accounts a liitle time ago when i check my credit report again and seen some more accounts that did not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: TN

Complaint narrative:
i disputed some accounts a liitle time ago when i check my credit report again and seen some more accounts that did not belong to me

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 2023-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX sent me an account for {$62.00} dollars to the company Southwest Credit SYS for collection. My credit history is being affected. I have no service and I did not have service with XXXX. I contacted them twice informing them that the account did not belong to me and that I would not pay for something that I do not use. I have struggled with this situation for over 1 year. They are violating my rights to good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: PA

Complaint narrative:
My XXXX Bank Credit Card Opened XX/XX/XXXX is Showing a 30 day late payment for XX/XX/XXXX I have provided the billing statement below to show proof I was never late in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2022 {$1600.00} XXXX XXXX XXXX " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2022 {$1600.00} XXXX XXXX XXXX " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2022 {$1600.00} XXXX XXXX XXXX " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.

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 2023-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
My daughter was enrolled once at stepping stones ( XXXXXXXX XXXX  ) location. I promptly gave a two week withdrawal notice and was later sent to collections stating I never did so. In XXXX, I worked directly with the collection company sentry to resolve such debt. I made all payments as agreed and confirmed they received all checks that show as cashed via direct bill pay. I spoke with Sentry regarding this new account placed on my credit and they state the daycare sent them another account for me. My daughter was only enrolled here once. I contacted the daycare twice and spoke with XXXX who could not provide any information regarding this debt she then gave me the corporate office number. I called the corporate office number and after explaining the situation that I have no debt with them and need more information she proceeds to tell me she is not in the office which I knew because there were dogs barking in the background. I go into the office on last Monday and I am trying to get information and 1 lady tells me that they are too busy serving kids ice cream and I need to come back. The nice lady XXXX XXXX steps in to tell me they are being evaluated by the state and it will be weeks before anyone can explain what this debt is for or about. A total of 7 checks paid out the account in the amount of {$87.00} which that account with Sentry was Paid in full in XXXX. Also, I spoke with Sentry and they have been unable to provide an itemized bill for this alleged 2nd account sent to them by 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 2023-06-18 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: Bread Financial Holdings, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I previously submitted a complaint to the CFPB on XX/XX/XXXX against Comenity Capital Bank due to unfair practices of not letting me pay off my debt despite calling and following up with them multiple times, and hitting me with delinquent payments and hurting my credit score. My credit score has still not returned to the original value it was at before I had opened a card with this bank. I have always responsibly paid off all my debts and worked extremely hard to increase my XXXX XXXX. Please see the attached file for my earlier credit scores ( in XX/XX/XXXX ), where XXXX was XXXX ( I'm currently only at XXXX ), and XXXX was at XXXX ( currently only at XXXX ). This is unacceptable and a violation of my rights as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Option for issue was not available. This was the closes option. XXXX XX/XX/2021 I was injured at work causing me to go to the ER and doctors multiple times. XX/XX/2021 I was provided letters from my doctors putting me on XXXX leave causing my income to drop and my medical bills to sky rocket due to needing XXXX XXXX. I contacted Santander Bank to ask if they could defer my payments or work with me on payments due to medical and financial issues. I was denied and told they could not help me other than to push my payment back a few days. During this time I was left XXXX and on XXXX. XXXX refused to work with me on payments or allow me to speak with anyone else. They stopped answering my calls after awhile. My vehicle was repossessed a few months later. I received a notice shortly after in the mail stating I owe a remaining balance of {$6700.00}. I have not heard anything from the company since the collection was posted on my credit report. I can provide medical bills and doctors/ ER visits if needed as evidence.

Company response to consumer: Closed with explanation