vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
XXXX-Account number-XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) , has it marked late in XX/XX/XXXX TransUnion-Account number XXXX XXXX XXXX ( XXXX XXXXXXXX XXXXXXXX ) has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX ( XXXX XXXX  XXXX ) has it marked late in XX/XX/XXXX, but on XXXX XXXX XXXX  XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.

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 2022-03-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
XXXX-Account numberXXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX ) , has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has it marked late XXXX XX/XX/XXXX Equifax-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has it marked late in XX/XX/XXXX, but on Annual Credit Report XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello CFPB, On XX/XX/2022, I deposited a sum of cash somewhere in between $ XXXXinto an Wells Fargo ATM machine located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX The total amount deposited did not nearly match what the screen displayed, so I asked for all cash to be returned. However only some was returned and some was stuck in the machine. I was able to pull out {$600.00} in hundreds. 

The following is the information of the ATM machine : Model Number : XXXX Serial Number : XXXX Engine Serial Number : XXXX Hardware ID : XXXX I immediately stuck my fingers into the deposit receptacle to stop it from closing. I have photos and videos of the cash stuck in the machine.

I then ran into the bank to ask the bank employees for assistance, and they instructed me to allow the ATM deposit receptacle to close so that they may check for the cash on the other side of the ATM. They said they could not find my cash and instructed me to open a claim with Wells Fargo. 

I opened a claim with Wells Fargo, and was credited {$1200.00} during the investigation ( as I did not know the total amount to be deposited but knew it to be in the $ XXXX range I claimed {$1200.00} was missing to be safe ). 

Claim Reference Number : XXXX Payment Card : XXXX Today, The ATM claim # XXXX was reversed and {$1200.00} pulled out of my account, and upon calling Wells Fargo for more information, they stated my claim was denied as no extra cash was found in this machine. 

I find this impossible as I deposited a large sum, asked for all cash to be sent back out of the machine so that I could recount, and then was only able to pull out {$600.00} before the machine pulled the rest of my cash in.

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 2022-03-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Hello, I've leased my XXXX XXXX on XX/XX/XXXX with 39 month lease, maturity date of XX/XX/XXXX, upon the maturity date, Infiniti contacted me to see what I want to do and I've asked if it was possible to extend my lease, they agreed to extended it for additional 3 months, after that period they extended for additional 3 more months, so the total extension was 6 months. My original pay off balance on the contract upon the end of the lease is {$36000.00}, I've decided after the extension to purchase the vehicle, and Infiniti is telling me that even though you extended your lease and you have paid for additional 5 payments, that amount is not being applied towards the original pay off balance, and my pay off balance is the same at {$36000.00}. I've spoke with the management and they've told me that we've advised you over the phone and that they have my phone recording that I've agreed to extend the lease without the additional payments being applied towards my pay off balance, that is not true I've never agreed to that, I've asked them to share the recording with me that I personally over the phone agreed, but they are not willing to share it because they don't even have it, ( complete lie ). To my understanding and my previous experience with many different car companies if the lease is extended the additional payment you pay for the extension is being applied towards the residual value and the pay off value if you were to choose to buy at the end of the extension. With Infiniti there is nothing on the contract that if the consumer extends the lease at the end the additional payments made will not be applied towards the pay off balance, nether they have provided a documentation to me to sign acknowledging that this additional payments made will not be applied towards the pay off balance. Please help me resolve this issue with Infiniti this is totally unfair consumer practice on behalf of Infiniti financial ( XXXX XXXX ). 
Please let me know if any documentation might be needed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX UNIVERSITY XXXX  ) XXXX XXXX BANK XXXX XXXX BANK 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 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX BANK XXXX XXXX BANK 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 2022-03-08 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I paid my Regions Bank credit card payment in the amount of {$62.00}. Last week on XX/XX/XXXX, I was notified my XXXX payment as not received and my account was delinquent over 31 days. Immediately, I contacted the proper personnel within Regions Bank in regards to this discrepancy. I provided my XXXX bank statement showing my payment for {$62.00} being made on XX/XX/XXXX. On XX/XX/XXXX, I contacted the CEO of Regions Bank and several personnel under him regarding this matter. The collections department contacted me on XX/XX/XXXX, and they have been giving me a very hard time! I have explained the situation to them and they refused to remove this discrepancy from my credit report. Today, XX/XX/XXXX, XXXX XXXX stated, the bank statements I provided her was not sufficient enough to remove the negative remark from my credit profile. She further stated, Regions bank never received my payment nor did I make payment in XXXX. This is really embarrassing!! XXXX XXXX called my last week making false allegations in regards to my account as well. I even went further to ask for her contact information ; however, she lied and stated, I do not have a direct number to contact me back at. Again, that was another lie she told because, she gave me her number last year when they lost my loan payment I made in XX/XX/XXXX. I am in the process of purchasing my first home and they is really affecting me. I am very stressed out and Regions does not care. I have had my credit card account for over 7 years and I have never missed a payment nor have I been late. I have offered to pay the account in full long as they remove the negative remark and they will not budge. This is not the first time Regions Bank has lost or misplaced my payment and reported it wrongfully to the credit bureaus!! The representative XXXX XXXX and XXXX XXXX told me not to contact the corporate office anymore regarding my complaint because they will not make them change their minds in regards to removing this negative remark from my credit profile. Can you please assist me?

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 2022-03-08 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter to transunion about items furnished on my credit report w/o my consent. These items are damaging me as a consumer! I can not succeed in the things as a consumer that I wish such as purchasing a home because of these damaging items on my report. It has been over 30 days and I have yet to receive a response.

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 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
On XX/XX/2022, our scheduled mortgage payment was autopayed to the mortgage servicer, Mr. Cooper for the amount of {$2000.00}. Our usual payment is {$1500.00}. This payment was {$540.00} more than our usual payment. A review of our statement showed that the escrow payment portion of our payment doubled. First, the amount of escrow paid was not correct. Second, we were not notified that this would be changed. I called Mr Cooper customer service to discuss these issues. I was on hold for 30 minutes, then was given the option to leave my number and they would return my call. I received no call back. 

On XX/XX/2022, I called Mr Cooper customer service again, was on hold for 15 minutes, and again left my number to be called back. Again, I received no return call. 

On XX/XX/2022, I contacted Mr. Cooper customer service through their online message system. Three days later, I am still waiting to hear back from them. 

Mr. Cooper has taken no action towards contacting us, let alone trying to remedy the issue of their fraudulent withdrawal of our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: CA

Complaint narrative:
I have been using XXXX XXXX XXXX XXXXXXXX XXXX for my renting room in XXXX, XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. The company has sent all the statements through paper and email notification. I moved to XXXX  in early XX/XX/XXXX, and I have transferred the entire utility account to another tenant on XX/XX/XXXX, the account has been closed at same time. I also contacted XXXXXXXX XXXX  XXXX customer service multiple times on XX/XX/XXXX, and all the reps said I have no outstanding balance, and non of them asked me to update my new billing address even I mentioned for moving out. Since I always used online service for make payment and check billing statements, I went back to XXXX without any concerns on my closed utility account. 
Until yesterday night, I've received a credit alert from XXXX XXXX bank, indicated there's a XXXX points decreased from XXXX, and I saw XXXX XXXX XXXX and collection company 's name on my XXXX credit report. I spent couple of hours to contact XXXXXXXX XXXX XXXX and collection company about that last statement which is only {$100.00} dollars. I was so frustrated and helpless after I saw XXXX points dropped on my credit report, and XXXX XXXX XXXX refused to admit this is an error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I applied for a BOA mortgage and was approved in XXXX. The bank had several significant delays due to their own backlog that our loan did not close until the end of XXXX. The bank promised me a refund of my appraisal fee due to their delay. I never received the refund so I contacted the bank in XXXX. They assured me it would be paid. Its now XXXX and I have never received the refund. I've asked where the refund was sent ( if it was sent to a credit card as I don't have any indication on any card that it was refunded ). The people I worked with at the bank have ignored my emails and won't even respond. My loan number was XXXX under the name of XXXX XXXX XXXX. The amount owed is XXXX. The commit case was XXXX. XXXX XXXX confirmed that the payment would be processed on XX/XX/XXXX. I still haven't received the payment. I again contacted her twice and no response. I have also contacted XXXX XXXX and XXXX XXXX who have also not responded to my multiple emails asking for a status.

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 2022-03-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX. And now we are in the month of XX/XX/XXXX, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX. And now we are in the month of XX/XX/XXXX, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX - Collection

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