vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXBalance Owed : {$300.00} ; XXXX ( Original Creditor : XXXX ) XXXX BalanceOwed XXXX {$410.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX  XXXX ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report and foun things that were not mine

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit report and foun things that were not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In 2020, I made a purchase of a jackpot with the financing provider of XXXX XXXX XXXX, in which due to the COVID19 pandemic, I was affected by not being able to pay the fees of that jackpot.

This account was then paid in full along with the outstanding interest and when I call the agency request that please this negative account that appears to me as a collection in my credit report, request that it please be modified or deleted since it negatively affects my report but the company as such does not affect it.

I understand that the accounts can take several years to reflect but the information they provide to the transunion company is inaccurate and incomplete so I kindly ask that it be corrected and deleted from my report.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

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 XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

XX/XX/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 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX BalanceOwed : {$380.00}.

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 non-monetary relief
Consumer complaint received 2023-10-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX BalanceOwed : {$380.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
We have been attempting for 4 years to get a loan modification through Carrington Mortgage Services but have been yet unsuccessful. My father passed away in XXXX and we started the process them to have him removed and myself added but they have not been able to work with us. They have continually come back and requested more paperwork ( Death Cert, Affidavidt of Death, Probate ) among other things. We can easily afford to stay in the house and resume the montly payments and even pay more if needed but in the meantime they pursued forclosure and now have a sell date of XX/XX/XXXX. I have even gone as far as filing for XXXX to protect us in hopes they would be able to work something out, but they have refused to help. We are seeking any help we can get, my attorney has even been unsuccessful in working to get a modification pushed through. I can provide a trail of docs that go back several years to show we have had every intention of keeping the home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I received a letter dated XX/XX/2023 in response to a validation request sent by me. The information was sent via registered mail. All requested information was not sent. The information sent was ( letter response, transaction payment list, a digital buyers order, and digital retail installment agreement ). It was requested that Bridgecrest provide e-signature verification that displays electric record of esignature showing date, time, IP address, and device used to sign the agreement ( Not provided ). The response letter and documentation sent is not sufficient evidence to prove validation requirements. Also noticeable was there was no notice of right to dispute on Bridgecrest 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 explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Today, XX/XX/XXXX approximately XX/XX/XXXX I received several calls from a Wells Fargo number XXXX. It's the same number on the back of my debit card. The imposter wanted me to verify several charges that morning with my debit card. I did not make any charges that morning. He stated two charges in XXXX, Florida, one at a XXXX for about {$240.00} and one at an XXXX store for about {$1000.00}. I said no. While I was on the phone he said our account was also being flagged for a XX/XX/XXXXtransfer for {$500.00} to someone named XXXX XXXX. I said no that was not me. In addition he said someone transferred {$1700.00} from my checking account to my savings account. I was very concerned because this showed they had access to my online banking. He asked if my husband might have made the transfer. I said no. He said he would have to close the account and give me a new account to transfer my funds into. He said it would take about 2 minutes and put me on hold. It all sounded very professional and I was looking at my account and it looked like there was a transfer made without my knowledge of {$1700.00} into my savings account. So I was glad I thought the fraud department caught it before it got out of hand. Then he came back on the phone and said he had to lock my phone? Asked what phone company I use and I told himXX/XX/XXXX. I was in a panic now so was going a long with it. Then he asked me to send my online pw : and then text it back to him with a space and " cancel ''. I did this unfortunately. Then he sent me a " new account '' and asked me to do a wire transfer of the balance. He said this is the quickest way to protect my funds. I was concerned and asked if I could verify that he was actually Wells Fargo. He gave me his name and employee number but I should have hung up and called back. I carried on and approved the wire transfer. He then said it would take about 24 hours but usually takes less than that. I hung up. 
Feeling uncomfortable I told my husband what happened. He soon started getting calls from " Wells Fargo '' and they were trying to confirm with him some charges on his debit card. The person seemed to have access to our online banking and our last four digits of our debit card. He said the phone " dropped '' or ended. So he decided to go in to a branch and they confirmed that it was all a hoax and the wire was still pending so they were able to cancel it. 
I'm just writing because the whole ordeal felt like someone from within Wells Fargo was commiting this fraud. They had all the language and ability to get in to our account information.

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 2023-10-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my bank of America customized XXXX  XXXX  XXXX  was suspended for suspicious fraud activity for more than 5 times. i visited financial center as requested then they unblocked it. one week after my visit, they suspended again, asking me to again go to a financial center. the fraud ops department refuse to transfer to a supervisor when i asked them to, stating it their policy that you can not speak to a supervisor. im so mad what they are doing.

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 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
I made multiple payments to Ed financial that came out of my bank account and my loan balances are not updated or are partially updated. 
Most recently I made a payment on Friday XX/XX/23 for {$250.00} divided between 5 loans. The amount came out of my bank account on XX/XX/23. The updated balance only removed {$100.00} and when I looked at the break down of the payments only two payments of {$25.00} dollars came out of two loans. Interest amount remained the same. So there is XXXX dollars missing. 
XX/XX/23 I had {$25.00} payment removed from my account with no difference to my balance to a loan that is without interest. 
XX/XX/23. I had a {$50.00} payment removed from my account which also did not change my balance or interest and some are from my interest free loans. 
I make weekly payments, most without problems until recently. Due to this my interest amounts are inaccurate and is accruing interest based on a larger owe amount instead of a lower balance. 
I did attempt an email with no response. The online chat with the agent has been unavailable. Calling the toll free number has been a hassle with over XXXX minute wait time. There is an option to have a call back to which I have yet to receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and foun things that were not mine

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I demand that this company be reported for engaging in fraudulent activities and misusing my information, and I insist on the immediate deletion of any references connecting me to this account. Please remove all old addresses and personal information

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I demand that this company be reported for engaging in fraudulent activities and misusing my information, and I insist on the immediate deletion of any references connecting me to this account. Please remove all old addresses and personal information

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 2023-10-11 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: CA

Complaint narrative:
I have rights under XXXX XXXX XXXX. 

EQUIFAX is govern bay 15 USC 168 and violated my rights countless time. I demand the accounts listed below to be removed because I am a victim of identity theft which I have provided verification of this including FTC report over 45 days ago. 

Accounting to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : Design Receivable - XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Amount : {$1100.00} Design Receivable - XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$5400.00} XXXX XXXX - XXXX XXXX Opened XX/XX/XXXX, Amount {$950.00} XXXX XXXX - XXXXXXXX XXXX Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: AL

Complaint narrative:
To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am writing to raise a formal complaint against Chase bank for failing to deliver on a credit card promotional sign up bonus. I have attempted to contact Chase on multiple occasions and raised tickets with them ( XXXX and XXXX ) but was denied in both cases. I am requesting assistance with receiving the XXXX points that Chase owes me for their Southwest Rapid Rewards Plus Credit Card promotional offer of XXXX points. My account was opened on XX/XX/XXXX and I first attempted to reach out to Chase on XX/XX/XXXX to check on my progress towards the spending goal as I had not received the XXXX points by then. 

When I signed up for my Southwest Airlines Chase VisXXXX Credit card I did so with the idea I would be receiving XXXX points after exceeding a spending threshold shortly after opening the account. The promotional offer can still be viewed on the Chase website at multiple locations such as https :XX/XX/XXXX and https : XXXX? XXXX. Both locations indicate a sign up bonus of XXXX points after spending XXXX on purchases in the first 3 months of opening the account. After reaching the spending limit I only received XXXX points. Noting this as an issue I contacted Chase cardholder services and requested the remaining XXXX points I signed up for. Each rep that I spoke to said that they did not see the promotion in their system and would have to escalate my request to the marketing team. After waiting for several weeks, I received letters from the marketing team at Chase stating the promotion I am referring to isnt valid and that I would not be receiving the points I earned by signing up and reaching the spending threshold. 

I have wasted multiple hours on the phone with support attempting to resolve this issue as well as drafting letters to the Chase executive office for further review. I am at a loss and unsure what to do at this point. Is there anything you can do to assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/XXXX, I filed an identity theft complaint with the CFPB regarding the furnishing of nonpublic personal information without my consent on my consumer report. They responded that the information furnished was acceptable in accordance to the cardmember agreement signed when the account was opened, however the Cardmember Agreement that I agreed to in XXXX of XXXX was agreed to under FALSE PRETENSES making the agreement a result of FRAUD. Prior to agreement, I was unaware that the payment history is nonpublic personal information and was under the impression that the terms of the contract were legal. In addition, I am now aware of 15 U.S. Code 6802 ( b ) and USC 6802 ( c ), which states that I, the consumer, am " given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was not provided neither the opportunity to opt out of disclosure of my information or an explanation of how I could exercise that option. Therefore, the transactions between Discover and myself, specifically the late payments, that were furnished on my consumer report are in violation of multiple consumer laws, including but not limited to USC 1681b Permissible purposes of consumer reports, and needs to be removed from my consumer report. It was not made clear to me that my nonpublic personal information, what Discover would call " payment history '', would be furnished, which according to consumer law is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AZ

Complaint narrative:
I am not liable for this debt of {$190.00} with MERCANTILE ADJMT BR Account number : XXXX I do not have a contract with MERCANTILE ADJMT BR, they did not provide me with the original contract as requested with my wet signature and ID Verification.

Company response to consumer: Closed with explanation