vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I made a 2 dispute with Chase on my sapphire reserve credit card. 

First dispute was when a contractor stole my card and used it multiple times for roughly {$7500.00}. I offered to get a police report but was told I didnt need one. Later they denied my fraud claim and said I would need to get a police report. I got one and resubmitted. They just denied my claim again even though there is a police report stating what happened. Now they are demanding I pay interest and the cost of the items when it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In 2006 I was scheduled to receive a cash out payment for {$18000.00} from Wells-Fargo however, I never received it. I called the XXXX XXXX title company in XXXX, WA but they said they sent it to me but I never received this payment. I looked in all the statements from the XXXX XXXXXXXX XXXX XXXX aka ( XXXX XXXX ) but theres no evidence of this deposit or record during that time frame. I inspected the statements for XXXXXX/XX/2006 but no wire or deposit. 
I know its been a long time ago but I didn't realize they refinanced me without my knowledge until recently. 
I never initated a refinance. I had my condo for only XXXX yrs. This happened when the loan transferred from XXXX home mortgage. to Wells-Fargo in 2006. 

I'm asking for your help. I appreciate your attention to this matter. Thank you

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 2024-01-17 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: MD

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.

has violated my rights. Or a list of inquiries : 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 2024-01-17 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: MD

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.

has violated my rights. Or a list of inquiries : 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 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Insurance company is trying to negatively impact my credit when I already paid for months used. 

XX/XX/2022 {$230.00} XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: LA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit effective immediately. 
I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to correct this data breach. 
Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXXXXXX XXXX  account # XXXX {$99.00} XXXX XXXX XXXX XXXX  account account # XXXX {$520.00} XXXX XXXX XXXX account # XXXX {$870.00} XXXX XXXX XXXX account # XXXX {$4600.00} XXXX XXXX XXXX hard inquiry Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX La. XXXXXXXX XXXX XXXX XXXX XXXX  La. XXXX XXXX XXXX XXXX. XXXX, La. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
My windows were installed by XXXX XXXX XXXXXXXX. My loan was with Regions now Enerbank. The original loan was for windows in the amount of {$11000.00} on XX/XX/year>, I have made a totaled payments in the amount of {$1500.00}. My balance is {$11000.00} which does not make any sense, I was just informed today the interest was compiled daily. The more I pay the more interest they get?

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 2024-01-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX Account XXXX XXXXXXXX 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

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 2024-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: ID

Complaint narrative:
Right Path Servicing XXXX XXXX XXXX Right Path Servicing was managing my mortgage. The loan was transferred. They sent a letter notifying me of the loan transfer. But, everything is done online now. And I seem to have my loan transferred every 12-18months. I am still able to login to my mortgage profile with RPS and there is a notice at the top of the page that shows my loan has transferred but no info on my new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
This is not my debt and information was stolen. 
XX/XX/22 {$1000.00}

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 2024-01-17 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: NJ

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 non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Grain Technology, Inc.
State: AL

Complaint narrative:
Today ( XXXX ) I received an email from GRAIN stating my credit limit has dropped. When I opened my account I had a high credit limit and was working on my credit so when they offered me XXXX I wanted it. As years passed my credit situation became better and I learned how high interest rates cost you a lot of money in the long run, but still I didnt close my account with grain because I was about to buy a new home and was told the accounts opened with long history makes your credit stronger even though in my mind Im knowing their fees are extremely high and Im not using this account they just bill me month to month. When I went to close my account it states I cant because I have to have a XXXX balance in order for them to return my security deposit when in fact I never put a a security deposit and I am tired of them and I want to end my relationship! They are not brick and mortar and you cant even get no one on the phone ever and Im sick of it!! On top of that you lower my credit limit this is the lowest credit limit I have over 17 credit cards and everthing I have is over XXXX dollar limits so for them to think Im about to settle for this low limit as if Im fresh outta high school and just learning to manage personal credit is crazy I dont want it wont stand for it and there is no need for them to keep lowering but every year right before they charge this high XXXX fee they charge next month no!!!!! I rather close my account and be done with this XXXX because I am better than that now and can go into any bank or credit union right now and get the best rate and better credit terms out there. Can someone please contact someone on their team and get them to close my account. In life it has never ever been this hard to close an account even if you owe a balance they just bill you until youre done paying it off so what makes grain think they are above the law and set up their system where you cant speak to no one, they give you a few options in self help on what they think you may ask, and then you send a request and wait until someone decides on their own when they will respond to you I am not taking it from them anymore NO!!!!!!!!!!!! Its XXXX and XXXX and they need to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: DISCOVER BANK
State: CA

Complaint narrative:
Our family members have recently received several letters from various credit card agencies notifying us ( three family members in total, all have received similar letter ( s ) ). 
For example : XXXX XXXX letter dated XX/XX/XXXX to me regarding application for credit card ( and cash card ). 
Discover letter dated XX/XX/XXXX to me, similar. 
XXXX  XXXX letter dated XX/XX/XXXX to me, similar. 

I was able to contact XXXX XXXX and Discover and provide information and obtain some information back. 
When I contacted XXXX XXXX the representative stated they were not able to identify the application I was referencing based on my identification of the letter and request ID. Letter dated XX/XX/XXXX. 
Request ID : XXXX Our credit reporting agency accounts ( XXXX ) have been locked ( as far as we know ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
I am trying to correct everything on my credit report. This single negative items is not mine, it is inaccurate and should not be on my report. Please, I am trying to straighten everything out for me so I can get approved for a house this year and start fresh.

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 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MCM has been using harassment and intimidation to collect a debt I do not owe. 

MCM should be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: TN

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.

has violated my rights. Or a list of inquiries : 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 2024-01-17 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: NY

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP! 

Date Opened - XX/XX/2021 Balance Owed- {$210.00}

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 2024-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX conducted a credit inquiry on me without my knowledge or authorization in XXXX, 2022. I have filed an Identity Theft Report with the Federal Trade Commission and I will attach a copy as such. Thank you for your assistance.

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 2024-01-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX conducted a credit inquiry on me without my knowledge or authorization in XXXX, 2022. I have filed an Identity Theft Report with the Federal Trade Commission and I will attach a copy as such. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
thank you, any questions you can contact me at 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 2024-01-17 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: U.S. BANCORP
State: TX

Complaint narrative:
Subject : Request for Resolution Regarding Reporting of Canceled Debt and Form 1099-C Dear ELAN FINANCIAL SERVICE , I am writing to address a critical issue related to the reporting of a charged-off account and the failure to provide the required Form 1099-C for the canceled debt. As governed by the Internal Revenue Code ( IRC ) Section 6050P, I, XXXX XXXX XXXX XXXX, had explicitly requested the issuance of Form 1099-C for the charged-off account.

In my initial communication, I clearly requested the issuance of Form 1099-C for the charged-off account. Despite this request and the company 's commitment to resolving the matter, ELAN FINANCIAL SERVICE has not provided the necessary documentation.

It has come to my attention that, by law and per the IRS, once a debt has been canceled, and a Form 1099-C has been issued, the credit report should no longer show a remaining balance due. The status of the account should be updated to reflect that it is no longer in a charged-off status, indicating that the debt has been canceled or resolved.

Here are the key sections of the Internal Revenue Code that pertain to canceled debt reporting : IRC Section 61 ( a ) ( 12 ) : This section defines gross income to include income from the discharge of indebtedness.

IRC Section 108 : This section provides exclusions from income for canceled debt in certain situations, such as insolvency or bankruptcy.

IRC Section 6050P : This section outlines the reporting requirements for discharges of indebtedness by certain entities, including financial institutions. It requires the filing of Form 1099-C when applicable.

Despite my clear request and the company 's commitment to resolving the matter, ELAN FINANCIAL SERVICE has not provided the necessary documentation. The reporting inaccuracies have the potential to impact my ability to accurately report canceled debt on my income tax return. As of the current date, the issues remain unresolved.

I appreciate the opportunity to provide this information as part of the complaint process. If further details or clarification are needed, please feel free to contact me at XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX, SSN : XXXX, XXXX : XX/XX/year>, XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief