vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 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: MO

Complaint narrative:
The paid in full account with XXXX XXXX is still reporting incorrectly on my credit reports. I have disputed this information over and over and over again, to no avail. Each time the information gets more messed up than the time before. And I continually get the same response from the credit reporting agencies " the information is reporting correctly ''. But, it is NOT reporting correctly, not at all. This is causing me to be turned down for a mortgage and keeping me stuck way over paying for rent when I could be putting money towards equity in a home. All of the late payments are incorrect, and among other things, are reporting the last 90 day lates months past when I sold the home, how is this even possible? Each Credit Reporting agency is showing different information. I know exactly how the information should be reporting, but after literally dozens of disputes, letter mailing, faxing and phone calls. I just do not feel that it should be up to me to show the credit reporting agencies how they should be reporting. I do know that its against the law to continue to report incorrect information for over a year. At this point the entire tradeline needs to be DELETED. If not I will have no other choice but to hire an attorney and take the credit reporting agencies to court. I don't want to do that, but I honestly do not know what else to do at this point. I am at my wits end. The data furnisher points the finger at the CRA 's and the CRA 's point the finger at the data furnishers. This is insanity. I have filled complaint after complaint and dispute after dispute. And each time I get nowhere, but my reports just get more messed up. This just isn't how a XXXX veteran who served this country honorably, or anyone else for that matter, should be treated. And their credit ruined. Its just not right.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I had three fraudulent unauthorized charges on my Bank of America account through XXXX XXXX. Adding up to {$310.00}. I contacted XXXX XXXX. They didnt resolved the issue. I contacted Bank of America about the issuethey gave me temp credit until the resolve. I get a notification that it was resolved and closed then a few days later. It changed to resolved not paid.Im not sure why that happened because I didnt authorize those charges!

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 2023-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have requested documents from the bureaus and I have not received anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried to open bank accounts but I was told someone open account in my name and I provided police reports supporting that fact I never did so when I try to open bank accounts they saying I cant I try opening accounts with chase, XXXX  XXXX, XXXX and they told me Im high risk cause of fraud of previous accounts I never opened and gave police reports to prove that it wasnt me and they still declined me from opening an account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/23 I initiated a Bill Payment in the amount of {$570.00} through Wells Fargo to XXXX XXXX. 

Their bill pay system accepted my request and indicated that the payment would arrive at XXXX XXXX on XX/XX/23. 

XX/XX/23 was, co-incidentally, my payment due date. 

Unfortunately, after placing this request, for whatever their reasons, Wells Fargo, with no notice to me, changed the delivery date from XXXX to XXXX. 

This caused XXXX XXXX to assess a {$29.00} late fee and they will also be assessing finance charges to my account. 

I have never paid an account late and this may negatively effect my credit score. 

I did report this to Wells Fargo. Wells Fargo opened case # XXXX however Wells Fargo claimed it would take them 10 business days to " investigate '' the matter. 

If we wait that long, there will be no chance to avoid the imposition of finance charged by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: 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.

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 2023-09-06 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: TX

Complaint narrative:
Mr Cooper purchased my mortgage from XXXX XXXX in XX/XX/2023. They were supposed to receive my payments from XXXX XXXX but they did not, they returned the payment to my bank. Then I have tried to contact them several times including on XX/XX/2023. The phone number listed on the monthly loan statement is not their customer service number, it is a sales number for medical devices. When I went online to get their real number each time i reached a representative they hung up on me. They have charged me a late fee and it is impossible to speak to anyone at the company to get them to remove the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: NY

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX NY XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX. 
First one was thru XXXX XXXX.Loan paid on and then a period of forbearance offered several times. Over years much was paid in, moving, and then changes to companies management of loan. Last loan manager I spoke with was XXXX. I had been making payments to them for some time. In XXXX, I was dx with XXXX. Job gave me XXXX from XX/XX/XXXX to XX/XX/XXXX to assist with cost of living. I had surgeries and complications. In early XXXX I spoke with XXXX and explained circumstance and my age, over XXXX. They asked how many years I had severed the public as XXXX XXXX XXXX. XXXX. At that time they forgave my loan. He sent me a letter of XXXX balance and forgiveness. 
Now I have received a letter from a new company that states they have assumed my loan! And said i can start paying {$590.00} A Month!! As of XX/XX/XXXX. Holy cow!! I have been so upset. Im XXXX yrs old now, on Social Security and can hardly meet everyday living costs! I think this has rehit my credit report has my score is falling. I have been upto date on payments and guess this is why. 
Fraud and against a senior, who spent all her life caring for ill. 
Please help me with a resolution to this FRAUDULENT activity I am looking for paper from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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 according with the fair Credit Reporting Act  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furbish 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TriVerity, Inc.
State: MD

Complaint narrative:
I am writing in response to your recent communication regarding my complaint with the Consumer Financial Protection Bureau ( CFPB ), Case # XXXX, in which I sought detailed information about the debt allegedly owed to your company. I appreciate your prompt response ; however, I must express my dissatisfaction with the content of your reply. 

In my previous correspondence, I specifically requested that you provide the following information in accordance with my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : 1. Verification that I am indeed the account holder for SECU Account.

2. Detailed information regarding the original creditor, including their contact information.

3. A complete breakdown of the debt, including the principal amount, interest, fees, and any other charges that contribute to the total amount owed. Also include the initia
l debt amount.

4. Copies of any signed agreements or contracts pertaining to this debt with the original creditor.

5. Documentation proving your authorization to collect this debt on behalf of the original creditor.

Your response, did not include certain information about the account, did not adequately address my specific requests. The response lacked crucial elements such as the detailed breakdown of the debt, signed agreements, and documentation proving your authorization to collect this debt. 

It is my right as a consumer, under the FDCPA, to receive a written validation of the debt, including the requested information, within five days of your initial communication with me. Your failure to provide this essential information raises concerns about the validity of the debt and my ability to verify its accuracy.

Therefore, I kindly request that you either : 1. Provide the requested information in writing to my current mailing address, as outlined in my initial request and as required by the FDCPA, within the stipulated timeframe.

2. Remove this account from any credit reporting agencies immediately, as it has not been properly validated and reported in compliance with the FCRA.

Please be advised that my rights as a consumer are protected under federal law, and I expect your company to comply with these laws accordingly. Failure to do so may result in legal action to address any violations of my rights. 

I kindly request a response within 30 days from the date of this letter to confirm your course of action. If you fail to provide the requested information or fail to remove this account from my credit report, I will have no choice but to seek legal remedies available to me under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: PA

Complaint narrative:
I DO NOT AUTHORIZE, BENEFIT, NOR CONSENT FROM THE INQUIRIES BEING REPORTED ON MY CONSUMER REPORT ( S ). I DEMAND THAT THESE INQUIRIES BE DELETED IMMEDIATELY!! PLEASE VIEW THE ATTACHMENTS ALONG WITH THIS COMPLAINT. 

REPORTING INQUIRIES ESPECIALLY WITHOUT MY CONSENT IS A VIOLATION OF THE FCRA. CONGRESS DEFINES WHAT IS TO BE EXCLUDED FROM A CONSUMER REPORT ( INQUIRIES ARE EXCLUDED FROM CONSUMER REPORTS ), AS WELL AS DETAILS PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ( WHICH YOU HAVE NO PERMISSIBLE PURPOSE ). 

I DEMAND A PROMPT RESPONSE WITHIN 10 DAYS UPON RECEIPT OF THIS NOTICE! THANKS

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 2023-09-06 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: PA

Complaint narrative:
I DO NOT AUTHORIZE, BENEFIT, NOR CONSENT FROM THE INQUIRIES BEING REPORTED ON MY CONSUMER REPORT ( S ). I DEMAND THAT THESE INQUIRIES BE DELETED IMMEDIATELY!! PLEASE VIEW THE ATTACHMENTS ALONG WITH THIS COMPLAINT. 

REPORTING INQUIRIES ESPECIALLY WITHOUT MY CONSENT IS A VIOLATION OF THE FCRA. CONGRESS DEFINES WHAT IS TO BE EXCLUDED FROM A CONSUMER REPORT ( INQUIRIES ARE EXCLUDED FROM CONSUMER REPORTS ), AS WELL AS DETAILS PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ( WHICH YOU HAVE NO PERMISSIBLE PURPOSE ). 

I DEMAND A PROMPT RESPONSE WITHIN 10 DAYS UPON RECEIPT OF THIS NOTICE! THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
We are making significant improvements on our house and using the credit card to fund the majority of the purchases. We make regular purchases and regular payments to ensure adequate availability on the card. We have never had a late payment, and we pay the balance off monthly. Yesterday, we made a payment totaling half of the outstanding balance on the Synchrony website. After making the payment, the website indicating the payment would be posted the same day. The payment was not posted as indicated. We called customer service informing them we were traveling out of state and concerned we would not have availability when out of town. We were informed it could take up to 24 hours to process the payment regardless of what the website indicated. Last evening, our card was declined at a restaurant despite having more than adequate availability. Customer service was called again the following day and informed Synchrony was holding our payment for one week sighting potentially fraudulent activity. We have always used the card as agreed, pay off the balance monthly, and have fraud alerts text to our phones from both the retailer and the Synchrony when payments are made. If this was the first time we had problems with a decline, I would try to understand, but this is not the first despite having thousands of excess available on the card. We are just a small customer. Maybe they will listen to the cfpb, or someone with a bigger stick. 

Regards

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 2023-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
On XXXX XXXX I applied in good faith for vehicle financing at XXXXXXXX XXXX XXXXXXXX car dealership. One of the banks/lenders that denied me was Consumer Portfolio Services. I the consumer and natural person was denied credit by Consumer Portfolio Services when I applied for a vehicle. Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 U.S.C 1692 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ). Consumer Portfolio Services is subject to criminal liability for violating 15 U.S.C 1691 as I have proof I was discriminated against by Consumer Portfolio Services due to the response I received. Consumer Portfolio Services is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer made an application in good faith and credit was not issued. Furthermore because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Consumer Portfolio Services. The social security card is NOT an identifying document. The Credit Reporting Agencies are private companies that are not government affiliated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received an incoming wire on XX/XX/23. As a result, I was charged {$15.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I received a letter ( see attached ) with File : XXXX ( without my name ) from the debt collection agency, Transworld Systems Inc ( TSI ), dated XX/XX/2023, stating that I owed {$85.00} from XXXX XXXX XXXX XXXX. I did not contact TSI, thinking the letter must be a mistake since my name did not appear on it. 
A 2nd letter dated XX/XX/XXXX was sent to me, now with my full name ( see attached ), stating that they did not receive a response concerning a past due of {$85.00} with XXXX. I wondered, since I had no account with XXXX nor conducted any business with them, I considered it as a " Fraud '' charge. I contacted XXXX XXXX, and they confirmed that they did not charge this amount, nor did I not have an account with them. 
I contacted the TSI, a collection agency, and they said the amount they collected was with XXXX. Still, when I mentioned that I had already gotten XXXX confirming that this amount did not exist, the TSI rep said this amount was for other charges by the vendor, not even mentioning the vendor 's name.

Company response to consumer: Closed with explanation