vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account number 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.

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 2022-04-26 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt 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 explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: OH

Complaint narrative:
Thirty days ago, I sent the credit companies a letter disputing the items listed below. As of today, the credit company has failed to respond to deleted outdated information, erroneous accounts, addresses that do not belong to me, and misspelling of my name, and inaccurate information listed, it must be deleted from my credit report. The following accounts are the items the credit bureau has refused to investigate, delete, and remove. AUTO NOW FINANCIAL SERVICES # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I wrote about this years ago and it was never resolved. Since then about a letter every few weeks just keeps coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2021 I was buying a car when the dealership told me I had a low credit score due to late payments on CHASE credit cards. In contacting both the credit bureaus and CHASE I have discovered two accounts were fraudulently opened, but have since been closed with dates unknown. The following are the alledged accounts ending : # 1 Falsely Alleged CHASE Acct. # : XXXX # 2 Falsely Alleged CHASE Acct. # XXXX I have filed a police report and completed an FTC Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TX

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. 

XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX, 15 U.S.SC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I sent a letter to each credit reporting agency on XX/XX/2022. a 609 letter to provide verifiable proof of negative items that are listed on my credit report. I sent a follow-up after 30 days and they have yet to reply with any update. I also understand they are required to notify me of your investigation results within 30 days

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 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Demanding that a borrow complete a recast form and pay a {$300.00} fee so that extra principal payments are properly reflected in the recording of monthly payments, i.e. a lower proportion of the payment goes to interest expense and more to principal, is fraud and theft and a violation of federal and state law. Credit card companies can only charge interest on the monthly outstanding balance, but NewRez continues to charge interest on principal balances that no longer exist because they have been paid off with extra principal payments. And NewRez makes every effort to avoid doing a recast with their customer service reps consistently stating on recorded lines that they do not know anything about recasts or even stating NewRez does not do them. Also, once a recast is requested, they take 90 days to complete it. 

I had a mortgage both on my home and raw land in the 1980 's and whenever I made an extra principal payment, the proportion of the monthly payment going to principal each month was immediately recomputed by computer and increased with no need to request a recast. Yes, even in the 1980 's, computers could easily do that. SO NEWREZ NOT DOING THIS IS A VERY BLATANT RIPOFF!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/22 I filed a dispute with my bank for {$73.00}. The reason for this is I was scammed through XXXX XXXX and I had reached out to XXXX XXXX 1st and they told me since I didnt receive the products I paid for I would have to dispute it with my bank especially because the person was refusing to send a refund or send what I paid for. Yesterday after contacting the bank for a update in my dispute claim I was denied. They wont let me open rebuttal claim and say there was no error which I dont understand because its an error and I should have my {$73.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am a long time customer of Chase and I have a credit card with them that was used fraudulently. There were four charges made at XXXX around XX/XX/XXXX that I did not make. When I saw these charges I notified Chase about this and they did a dispute review for fraud. When the dispute was over they only gave me credit for one of the charges but not all four charges. This doesn't make sense to me, if all these charges were made on the same day at the same place ( XXXX  ) how does Chase only agree one of these are fraud? This is also a credit card, per the terms and conditions when the credit card is used without my knowledge if I report it within a timely manor ( which I did ) they aren't supposed to hold me responsible. I also have XXXX so when the bank denied my fraud claim I got XXXX involved. We called Chase on XX/XX/XXXX, they said they will open another dispute, but also admitted to throwing out supporting documents that XXXX sent them on my behalf. This is so frustrating as a customer that Chase would throw out documents that come from them. I have signed off on Power of Attorney for XXXX to do follow-ups on my behalf and they have a copy of that, they aren't honoring the Power of Attorney or accepting documents from XXXX. Chase is also convinced that my child or husband is doing this. I assure they are not, they have their own cards to use, they don't use my account. Chase also doesn't understand that SKIMERS are out there to steal people 's account numbers and make counterfeit cards. Chase claims the chip was used for these purchases, therefore I did them, AND I DID NOT DO THIS. I am requesting this be documented and looked into further for unfair business and banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were DPEDXXXX - XXXX, DPEDXXXX - XXXX, DPEDXXXX - XXXX, DPEDXXXX - XXXXXXXX XXXX  - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unknown - XXXX, and 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
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX, 15 U.S.SC 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 2022-04-26 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: Experian Information Solutions Inc.
State: TX

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. 

XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX ( Original XXXX : XXXX XXXX  ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, 15 U.S.SC 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 2022-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
We made arrangements for the Covid relief. Come XXXX we had to start making payments. We did. They bounced it back. Reached out to make the XXXX payment. They accepted it towards the end of the month. We paid XXXX, was sent back again!! We talked to them in XXXX got the run around for XXXX XXXX months. Finally, we were told that they didnt receive XXXX payment. Thought everything was worked out.. sent them 4 months of payments. Then they stopped returning my emails and phone calls! The payments again were bounced back.. this is where were at now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX, I had my mother make a cash deposit to my acct in the XXXX of XXXX at the Wells Fargo ATM located on XXXX XXXX XXXX. The ATM ate the entire deposit and released a receipt to explain my acct was credited XXXX and that my acct would be fully refunded the entire cash deposit amt in XXXX business days, which is today, Tuesday, XX/XX/2022. The branch was called Tuesday, XX/XX/2022 and XXXX instructed me to call the number on the receipt to have the ATM audited to speed up the process. The number was called and a claim was submitted by claims specialist Friday. She noted my complaint and ensured me my acct should be credited with the correct amt She also offered a sincere apology for the occurrence with the faulty ATM machine. Fast forward to today, Tuesday, XX/XX/2022 and the claims specialists were particularly rude. Example, I inquired about the provisional credit on the acct and was told WELLS FARGO does not issue provisional credits on transactions involving Wells Fargo ATM machine. I would have to wait for an approval or denial of claim, after XXXX business days. When I stated the teller receipt said 2 days, the teller stated she didn't know why WELLS FARGO continues to give false information to their clients. I was floored upon hearing this statement and I told her that action represented fraud and I was filing a complaint with the CFPB to ensure WELLS FARGO abides by honest business practices, since WELLS FARGO has a documented history of engaging in discriminatory housing practices in reference to minorities, specifically XXXX XXXX, opening fraudulent bank accts for unsuspecting customers, and illegally confiscating funds which were cash deposited into defective WELLS FARGO ATM MACHINES. 
PLEASE ASSIST ME WITH RECEIVING MY MONEY AS A CREDIT TO MY ACCT. The lies have started with the bank employees and a higher authority, CFPB, is a necessity to receive my money into my acct.

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 2022-04-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I sent a letter to each credit reporting agency on XX/XX/2022. a 609 letter to provide verifiable proof of negative items that are listed on my credit report. I sent a follow-up after 30 days and they have yet to reply with any update. I also understand they are required to notify me of your investigation results within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent a letter to each credit reporting agency on XX/XX/2022. a 609 letter to provide verifiable proof of negative items that are listed on my credit report. I sent a follow-up after 30 days and they have yet to reply with any update. I also understand they are required to notify me of your investigation results within 30 days

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