vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NJ

Complaint narrative:
On XX/XX/23, Hunter Warfield , Inc. sent me an email to my email account stating that they were collecting a debt for XXXX XXXX XXXX of {$140.00}. The email stated that I could dispute the debt in part or in full by XX/XX/23. If the debt was disputed, Hunter Warfield, Inc. must stop collection on any amount you dispute until they send information that shows you owe the debt. On XX/XX/23, I sent a letter through certified mail disputing the debt in full and requesting a debt verification letter. A copy of this letter is attached in the documents, as well as my certified mail receipts. As outlined by the Fair Debt Collection Practices Act : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' ( 4 ) was never completed by Hunter Warfield , Inc. after I disputed the debt and requested a debt verification letter. Additional collection efforts were made by Hunter Warfield, Inc, they call me every day attempting to collect this debt. As of today XX/XX/23, the debt verification letter has yet to be sent to me. This is a violation of the Fair Debt Collection Practices Act. At some point that is unknown to me, Hunter Warfield , Inc. reported a collection to XXXX, XXXX, and XXXX. This collection now appears on all of my credit reports, and is negative to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Over draft fee for something thats a XXXX  and yet it takes about two days to charge from the account, late fees are charged after and of each individual thing

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Company misused PII to report innacurate informaion knowingly

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 2023-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX, I received the first phone call from FirstCredit Services, a debt collection agency based out of XXXX NJ. They informed me that my previous XXXX, XXXX XXXX in XXXX NJ, had sent my account to them for an unpaid balance. I asked if they could send me the documentation, as I had left the gym 4 months prior and had settled the account when I did. 

They never sent me any documentation, but continued calling me. I have received calls as early as XXXXXXXX XXXX EST, to as late as XXXXXXXX XXXX EST. I received, on average, 18 calls a week from FirstCredit Services.

I told them multiple times to stop calling me so early and so late, but they did not stop. They kept saying they would send me the documentation from XXXX XXXX, but they did not. I then sent them a formal letter asking for documentation in XXXX of XXXX. They did not respond for 2.5 months. Of course, if they dont respond within 30 days my understanding was that they would have to remove the collections. But they did not. 

When I told them I wanted them to fully stop contacting me in XXXX of XXXX, they finally sent me a letter. While the letter was addressed to me, it was a debt collection for someone named XXXX XXXX in XXXX NJ. The enclosed documents explained how she moved to XXXX from XXXX, and thats why she was trying to cancel her gym membership and declined to pay. 

To this day, I have never received any information from FirstCredit Services regarding their alleged debt to XXXX XXXX. In the most recent phone call on XX/XX/XXXX, they informed me if I did not pay the debt they threatened to submit a request to decrease your credit score. I am not sure if that possible, but I once again told them to stop calling me.

A common theme with FirstCredit Services I have seen is that they are violating the Fair Debt Collection Practices Act by : ( 1 ) calling before XXXX and after XXXX ( 2 ) sending me other peoples private debt collections ( 3 ) calling me 18 times a week ( 4 ) not sending me documentation after being formally requested to do so ( 5 ) not removing the collections within 30 days of not sending me the requested documentation ( 6 ) continuing to contact me after being requested not to I ask that the debt be removed from my account. Please let me know if there is another way in which I can report this agency for their behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
My loan was picked up by Carrington Mortgage effective XX/XX/XXXX. I received notification of the change on XX/XX/XXXX via email but the email did not have details on my new loan number or how to make a payment. Around the XXXX, I tried to log onto Carrington mortgage site to pay my mortgage but I was not able to. The system would not accept my old loan number. I called Carrington Mortgage and they told me that the system issue was a known one and to wait till after the XXXX and try again. I called again after the XX/XX/XXXX and the rep could not find my account. They told me I should have gotten a letter in the mail. I told they my husband was in the military and we had gotten transferred. I did not have the mail. They told me they did not have my info in the system. About a week later I got a call from a rep that I was late on my payment. She acted as if it was a problem on my side. I explained the issue and she gave me the account number. I was surprised that it was an issue because the email said they payment would not be considered deliguent due to the transfer. On XXXX, I just got my forwarded mail from my old address and now I have a delinquency notice. I think this is horrible service and misleading. The fact that I am considered delinquent is totally contrary to their communication that I had 60 days to get all transfer issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/2019 an inquiry was reported to my consumer report and I didnt no authorize that inquiry. My private information was reported to XXXX, XXXX, and XXXX without my consent and that is a form of identity theft. Furthermore I called XXXX and and they did not adhere to any of my complaints. I called Santander and spoke to XXXX ID # XXXX and she told me she is a not a credit bureau specialist and doesnt know why I was never sent a 1099-C form for my alleged charge-off. I asked XXXX was her company a furnisher of information and she replied yes. So I asked her does she know 15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies and she told me no. I repeatedly asked why I never received a 1099-C form for this alleged debt and she had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NC

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive sent in multiple complaints about closed accounts that have not been proven to belong to me. I requested to have the accounts removed but they are still showing and causing me to have negative and or diverse discussions against my credit profile. 
My next step will be filling complaints and requesting to charges for penalties at {$1000.00} per repeated offense through the Supreme Court. 
TransUnion credit reporting agency is still reporting closed accounts with XXXXXXXX XXXX XXXX XXXX  1. ( Closed XX/XX/XXXX 2. ( Closed XX/XX/XXXX 3. ( Closed XX/XX/XXXX 4. ( Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account also has been requested to be proved or removed with no progress. 

These are four closed accounts and they have not sent any contract with my signature to prove ownership of any accounts.. 

I need theses accounts fully removed from my credit profile with all reporting agencies immediately please. 

They are illegal actions and if these accounts are not removed as requested I will proceed with legal action. 
XXXX, XXXX, and Trans Union.

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 2023-11-08 00:00:00
Product: Credit reporting 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:
XXXX XXXX  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 an account without my written instructions also resold the debt but the debt is paid in full. the car was apart of a crime hit in run and the person was caught but my insurance paid the car off but they didnt revise the promo code for the car to make the balance good that over charge me for the car XXXX was paid to them gap denied the claim because of lack of communication with gap they do they part as time allowed I lost my job and home due to this issues with XXXX XXXX would like a settlement of XXXX to resolve my hardship been XXXX  ever since.

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 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Through JP Morgan XXXX I sent Bill pay to my homes XXXX XXXX. They cashed the check on XX/XX/2023 and never applied the credit to my account. I contacted Chase. Filed a dispute. They were directed to email me an Affidavit. They did not and reversed the original credit XXXX  days before they said they would be. I contacted them again and finally got affidavit emailed. I filled it out with supporting documents and faxed back to Chase. No response for a month. Finally after XXXX calls and subsequent dropped calls I'm told my Affidavit needed to be faxed to a different number. Yesterday I was transfered around and after over an hour on the phone it was dropped. Called again today. Asked for them to call back if it's dropped. They did not. They send a secure message through my account that I close it for fraud. It was not fraud. The company did not post my credit. I called Chase again, after XXXX min. And me asking again for call back if dropped call is dropped no call back. I shouldn't have to wait XXXX  days. It's already been XXXX  days and they better not close my account. Worst bank in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
THIS IS FOR THE MIDDLE CLASS TAX RELIEF BENEFIT CARD IN CALIFORNIA ALL, EVERY SINGLE TRANSACTION WAS AN UNAUTHORIZED TRANSACTION MADE BY CRIMINALS WITH ACCESS TO MY FUNDS. THE STOLEN FUNDS WERE MADE AT A PHARMACY AND FAST FOOD FOOD BY THESE CRIMINALS. THESE CRIMINALS CREATED AN ONLINE ACCOUNT WITH THEIR EMAIL AND I DO NOT HAVE ACCESS TO ANY INFORMATION. I ASKED FOR A REFUND CHECK TO BE MAILED TO MY ADDRESS MONEY NETWORK IS NOT RESOLVING ANYTHING AND HAS NOT SENT THE CHECK AND NOW REFUSE TO GIVE ME ANY STATUS UPDATE BECAUSE I DONT KNOW INFORMATION ON THE CARD BECAUSE I NEVER HAD ACCESS TO BEGIN WITH. MONEY NETWORK LET HACKERS STEAL MY INFO AND IM THE REAL PERSON NOW THEY WANT TO VERIFY MY IDENTIFICATION AND BECAUSE I CANT VERIFY THE AMOUNT ON THE CARD THEY CANT HELP

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-11-08 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: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-08 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: FL

Complaint narrative:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
this is fraudulent act on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I called Mohela with questions about my student loans. I was on hold for XXXX hours. Then hung up on. No one ever answered or helped me. No one even tried to contact me. 

I then filled out a message through Mohela 's online portal. 

Several days later, I got a response saying that I had talked to someone in customer service and my concerns were addressed. This was patently false. No one ever spoke with me. No one made any effort to help me. I still have all my questions. 

My loans still show an incorrect number of PSLF qualifying payments. They still do not all show as in repayment. I have not been in school since XXXX. I filed the form to waive the grace period. What is going on? No idea and no one at Mohela will tell me or help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation