vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I made 2 payments in XX/XX/year> which were not applied correctly. Rather than apply all excess amounts paid over the monthly amount owed to principal, the company applied the extra payments towards the next month 's mortgage payment. I called 6x and the issue still hasn't been fixed despite being told on each call that it would be rectified shortly. My next payment is due presently and I plan on getting the final payoff amount to pay in XXXX but can't because they won't fix the problem. In short, they continue to improperly apply my extra payments to escrow and interest. This issue has occurred during the entire life of my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXX  well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXX well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2024-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I opened a Saving account in Wellsfargo branch on XXXX as per the promotion code XXXX that I need to open the account and keep {$25000.00} for a month to get {$520.00} rewards. I opened with the associate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent her email on XX/XX/XXXX about this didn't get any reply. Spoke to customer service XXXX on XX/XX/XXXX at XXXXXXXX XXXX he spent 15 minutes but unable to help due to unresponsive system.

I need my reward {$520.00} as promised

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 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX is the original creditor for this reassigned debt that Credence Resource manage is attempting to collect. Also these two businesses have committed identity theft because they are using my information without my consent, or me even knowing. Also they never got my consent to contact me, and they call my phone almost everyday. My rights are being violated by these 2 companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank, promised me at an phone call conversation on XX/XX/XXXX, another {$500.00} check, called " appreciation check '', that it would be issue and sent to me by XX/XX/XXXX ; When it did not arrive me timely, ... '' I did occur a loss of very valuable professional business coordinate property '', since over-due payment of {$500.00} was not made to a XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I didn't receive promised Wells Fargo {$500.00} check, timely enough in order stop mine stored property from being sold at an auction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due Wells Fargo fail send timely, promised {$500.00} appreciation check. 
I asked Wells Fargo Bank, relative agents in written business form, for an appropriate by law, does enforce for being available me such injury, property loss, incident, type to insurance result claim for injury. 
Wells Fargo agents further violate law by not provide me injury claim. 
I was harassed by Wells Fargo agents, I was detour promised check, of {$500.00}, until about XX/XX/XXXX, unfair and disrespectful, I ask claim.

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 2024-02-02 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:
I have reported to XXXX XXXX identified theft. They told me to be patient while they investigated. They have been investigating for over 60 days and are also reporting on my credit Im not paying by bill. 
They told me not to pay the bill because it is fraudulent. Why are they reporting to my credit report that Im not paying my bill?

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 2024-02-02 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: GA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I reported to Amex back in XXXXXXXX XXXX XXXX that there was a fraudulent account opened under my name. I was told not to worry Amex would clear up this. I have been calling every week and Im told they are working on clearing this up and not to worry I dont need to make a payment on the fraudulent account. 

Starting in XX/XX/2023 Amex started reporting me for not paying my bill while the account is being investigated. This contradicts what they are telling me on the phone. 

I feel like they are not trying to help me clear this matter up and are being deceptive.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated, my federally protected Comsumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C. 1681 section 602 A. Sates I Have the rights to privacy.

15 U.S.C. 1681 selection 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2024-02-02 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: CA

Complaint narrative:
I reserved a reservation on XXXX in the amount of {$630.00}, the owner of the listing Cancel the transaction and I received the two credits one was for {$310.00} and the other one was {$68.00}, Im still missing a credit offer {$240.00}, I called the customer service to dispute the transaction as I was not able to dispute it online, it was a pain in the neck to do it because I was a transferred from one department to another, the first department asked me all the information and then later they told me that they need to transfer me to the dispute department to dispute this transaction, I told them to describe everything to the Dispute department agent to which the gentleman agreed, but when I reached the lady at the Dispute department, she asked me for my credit card number, and my name, which was already automatically verified by the system, if you guys need to ask the credit card number again again why do you put that information on the automated verifying machine? 

This happens every time that I need to dispute the transaction and its a pain in the neck and you guys never take care of it, you guys always harass me, always waste my time, and I will be stopping using your credit card, because this is enough, you do not have an online chat system, I can not dispute a transaction online. This is a complete joke. 

The call goes to XXXX and it seems they intentionally harass the customers, by asking them to verify their credit card details again and again when it is already verified on your automated machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA.

ABSOLUTE RESOLUTIONS INVESTMENT is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ABSOLUTE RESOLUTIONS INVESTMENT. Please be advised that providing a memorandum or other statement from your agency, stating that ABSOLUTE RESOLUTIONS INVESTMENT the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc.
State: DC

Complaint narrative:
I have a mortgage with XXXX XXXX XXXX  but the payment processor is Dovenmuehle Mortgage ( with whom I am disputing ). I have never been late on a payment, however in XXXXXXXX XXXX XXXX I was laid off. I requested forbearance and was approved for 6 months between XXXX and XXXX with payments resuming in XXXX. Still with being laid off I maintained my mortgage payments up until my forbearance began and was never late. When XXXX came I made my normal mortgage payment of over {$2900.00} and the rest of the balance that had accumulated over the course of the forbearance was approved for deferral to be paid at the end of my mortgage 's maturity. My deferral agreement states I was never late and did not owe any late fees. Also my forbearance agreement that I signed did not specify that I would be reported negatively to the credit bureaus while in forbearance. Depsite the forementioned I was reported more than 120 days past due on my mortgage for late payments during the time I was in forbearance ( from XX/XX/year> to XX/XX/year> ). This has ruined my credit and has cost me personal and business opportunities. I tried to work it out with the company and was actually successful. They updated my credit report and my credit was repaired. However, it was reported negative again and now they are unwilling to remove the negative remark again. I know they can use their discretion to decide who to report and who not to and I believe I am being targeted. I feel vulnerable and distrusting as a XXXX XXXX  living in a XXXX  area under this mortgage company with the history of mortgage companies unfairly treating people like me. I have never lapsed in my mortgage payments and have maintained a responsible relationship with the company since initiating the loan. I believe this remark on my credit report is unfair and inaccurate as they have already corrected it and are now incorrectly reporting it negative again. I have documentation where they have given me different and inconsistent reasons for marking me negative which again lends me to believe I am being targeted due to my race and where I live. I believe a breach of contract has happened ( violating signed forbearance agreement ) and a violation of fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX  XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-02 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: FL

Complaint narrative:
I reported to XXXX back in XXXXXXXX XXXX XXXX that there was a fraudulent account opened under my name. I was told not to worry XXXX would clear up this. I have been calling every week and Im told they are working on clearing this up and not to worry I dont need to make a payment on the fraudulent account. 

Starting in XX/XX/2023 XXXX started reporting me for not paying my bill while the account is being investigated. This contradicts what they are telling me on the phone. 

I feel like they are not trying to help me clear this matter up and are being deceptive.

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 2024-02-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Lies lies lies as experian closed another complaint without addressing the issue but give ridiculous explanations STOP HAVING YOUR NON ENGLISH SPEAKING CUSTOMER SERVICE REP XXXX WHO HAS NO AUTHORITY TO DO ANYTHING CALLING AND HARASSING ME AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX Equifax has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
XXXX XXXX /experian XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-02 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: NJ

Complaint narrative:
Trans Union XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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