vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX I called to request option to skip XXXX payment XX/XX/XXXX they sent a letter that didn't apply to my request. XX/XX/XXXX I called sender and left message, recording said he'd call back in XXXX hours he didn't. Sent an email XX/XX/XXXX was told a supervisor would respond in XXXX business days nothing. XX/XX/XXXX left another voice msg no response in XXXX hours. XX/XX/XXXX again requested call from supervisor nothing. 
XX/XX/XXXX I called again and was told it would be escalated to a supervisor for resolution. Still nothing. 
I was also told I basically have to ruin my great credit with them by being 60 days late to qualify to miss XXXX payment to be added to the end of my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I for the XXXX time EVER didn't pay my XX/XX/2024 bill in full so I was charged interest. I then paid my XX/XX/2024 bill in full and received another interest charge. I called Amex to ask why. They said when I didn't pay my entire bill in XX/XX/2024, the remaining balance continued to accrue interest until my bill was paid in full in XX/XX/2024. So the interest they are charging me, on a paid in full balance is from the previous unpaid balance that I was already charged interest for on the XX/XX/2024 bill. So I was charged {$23.00} on my XX/XX/2024 statement for not paying the full statement for XX/XX/2024, and now I'm being charged another {$15.00} has been added to my XXXX statement although my ENTIRE balance for XX/XX/2024 was paid in full. According to Amex they get to keep addidng interest until the amount is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I filed a request with Equifax for an extended credit freeze due to being a victim of fraud and/or identify theft. Equifax processed and granted the request for an extended credit freeze. It is my understanding the other XXXX credit bureaus would be contacted and put into place an extended freeze. Upon reviewing my file, XXXX and XXXX have not put into place an extended credit freeze. 

I did my part and the system did not work as expected- Please help me ensure the other XXXX credit bureaus do their part under the law / regulation and place an extended credit freeze under all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I've had this particular Capital One card the longest of my entire credit profile - despite over XXXX attempts at increasing the credit limit, I'm being lead to believe there is discrimination of some capacity occurring at Capital One as not only is this Capital One card my oldest card, it carries the lowest credit limit. I've not missed a single payment with any of my credit. I have no collections history. My credit score across all three bureaus exceeds XXXX. I have over {$130000.00} in available unused credit. What debt remains outstanding is current and diversified. My debt to income ratio is less than 20 %. I've request Capital One perform multiple manual reviews of my account and am consistent told they can not accommodate. I have multiple cards with {$20000.00}, {$30000.00}, and {$40000.00} credit limits all earned at different ( arguably less developed ) times in my credit history throughout the years however can not seem to get movement with Capital One. The denial reason I've received to each of my over XXXX requests all reflect a failure to use my existent credit line appropriately- and this denial reason has no apparent bearing on how my card is used... I've had months with up to 50 % utilization, 0 % utilization, carrying balance, not carrying a balance, a variety of combinations all throughout the years all in an attempt to get Capital One to view and make decisions on me like every other bank does. Each time I ask, I am told there's nothing more they can do or disclose other than the automated credit decision tool through my online account. My hesitation is if my utilization increases much more than 50 %, my next denial reason will be too high of credit utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Since mid XX/XX/2023 I have been trying to access my Equifax credit report. I have tried multiple sites and options to access and each time i receive an error that it is not able to be accessed. I have spoken with Equifax now on multiple occasions and each time they claim they are escalating the situation and someone would reach out to me but no one has. Each time I call back the new representative is trying to get me to repeat the same trouble shooting steps that have yet to work to this point. The reps either do no listen to what is being stated to them or can not comprehend the issue at hand and I have gotten now where with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: SC

Complaint narrative:
I cancelled my XXXX XXXX subscription on XX/XX/XXXX in the middle of a billing period that ran from XX/XX/XXXX to XX/XX/XXXX. The subscription didn't have a contract and it was advertised that it may be cancelled at any time. I paid {$90.00} on the used portion of the billing period. They have been trying to collect {$96.00} of the unused portion of that billing period ever since and repeatedly have had collection agencies contacting me. This was explained to a XXXX customer rep at the time of cancellation when they told me they don't prorate monthly bills. I told them I would not pay for the unused portion of the bill per their " cancel at any time '' policy and there is no signed contract stating otherwise. On XX/XX/XXXX, XXXX 's parent company, XXXX XXXX ( XXXX of which I am unfamiliar since I never did business with them directly ) put XXXX XXXX XXXX, a collection agency, on to me for the XXXX amount. I wrote them a letter contesting the charges using the information above. I never heard back from them since they could not provide evidence it was under contract and owed. I assumed the matter was closed. Now on XX/XX/XXXX and XX/XX/XXXX, I received text messages from MRSBPO LLC, another collection agency, telling me to contact them about a XXXX account ( act # XXXX ). I responded via mail on XX/XX/XXXX, with the same information as above, with a cover letter and a copy of the letter I provided to XXXX XXXX XXXX ( enclosed ). I then received a letter from MRSBPO LLC on XX/XX/XXXX, and more text messages on XX/XX/XXXX and XX/XX/XXXX, regarding the same matter even after I told them to stop contacting me. I responded for the XXXX time on XX/XX/XXXX via E-mail stating they may be confused with XXXX XXXX attempt and XXXX 's attempt to collect on the same debt but it was in fact the same and to stop contacting me unless they could prove I agreed to pay the amount they sought to collect. At the time of the e-mail ( XX/XX/XXXX ) I pointed out they had not shown any proof of my legally owing the debt and not to contact me until they could. Nevertheless, it has not deterred MRSBPO or XXXX from continuing to harass me once again on XX/XX/XXXX. In summary XXXX XXXX and MRSBPO LLC have contacted me 7 times and I have responded 3 times without their being able to prove to me that this bill is legitimately owed. The harassment must stop. Since I was not under a signed contract, they can not prove I owe for services not used, not agreed to and/or not rendered after I cancelled my subscription and paid for the used amount. This matter should be permanently closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
I am being a victim of a collection agency that has reported to the credit bureaus the information of an account that was never verified, and also that does not meet the age requirements. The account is too old to be collected, that account has never It has been verified in addition to asking for help and never receiving it before seeing me harmed by this company that has also posted in comments very allegedly information about this arbitrary account, that I have disputed this account with you and that I did not get help. I sent proof that I sent a letter requesting verification of this account and I never received a response in the following 30 days, to which I have the right and therefore I am protected by law to have this account deleted from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX Account Name XXXX Under 15 USC 1681a ( 2 ) ( I ) under exclusions late payments are illegal. 
the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report must be accurate. 
Perplexing me, is that I did not give XXXX authorization to share my information with TransUnion, XXXX and XXXX. 

. According to section 1681s-3 of 15 US Code 1681 a " Definitions ; rules of construction Congress states that reports should only contain information solely as to transactions or experiences between the consumer ( XXXX XXXX and the person making the report ( XXXX ) I have asked that ( XXXX ) cease and desist reporting inaccurate information to Transunion, XXXX and XXXX unless they are able to provide ( A ) clear and conspicuously discloses from XXXX XXXX, in writing or in electronic form or other form permitted by the regulations prescribed under 6804 of this title that such information may be disclosed to such third party. ( B ) Please show where XXXX XXXX was given the opportunity, before the time that such information is initially disclosed to such third party; and ( C ) Please show where XXXX was given an explanation of how the consumer can exercise that nondisclosure option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX Account Name XXXX Under 15 USC 1681a ( 2 ) ( I ) under exclusions late payments are illegal. the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report must be accurate.
Perplexing me, is that I did not give XXXX authorization to share my information with XXXX, Equifax and XXXX.

. According to section 1681s-3 of 15 US Code 1681 a " Definitions ; rules of construction Congress states that reports should only contain information solely as to transactions or experiences between the consumer ( Arlinda Blackwell and the person making the report ( XXXX ) I have asked that ( XXXX ) cease and desist reporting inaccurate information to XXXX, XXXX and Equifax unless they are able to provide ( A ) clear and conspicuously discloses from XXXX XXXX, in writing or in electronic form or other form permitted by the regulations prescribed under 6804 of this title that such information may be disclosed to such third party. ( B ) Please show where XXXX XXXX was given the opportunity, before the time that such information is initially disclosed to such third party; and ( C ) Please show where XXXX was given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: TX

Complaint narrative:
Transunion has continued to allow credit inquiries to remain on my credit bureau and I have made them aware both in writing online and over the phone and they have continued to report these inaccuracies even after being provided proof of identity theft has been presented

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: OK

Complaint narrative:
XXXX XXXX  is reporting income on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: OK

Complaint narrative:
XXXX XXXX is reporting income on my credit 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 explanation
Consumer complaint received 2024-02-18 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: MI

Complaint narrative:
I sent several XXXX dispute letters to XXXX, transunion & XXXX contesting the validity of a bankruptcy and asked them to send physical proof that the bankruptcy court had verified the debt. All of them claimed it was valid without sending proof so I wrote them myself and have a letter confirming that in fact the credit reporting companies had NOT VERIFIED the debt with the court because the court does not report bankruptcy to the credit companies! I have a copy of this letter and I want it deleted immediately or I will sue for punitive damages!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already to " XXXX XXXX XXXX '' I have enclosed my government issued ID, social security number, and affidavit of identity for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I would like to mention the disgusting feeling with your report dated on XX/XX/XXXX of 2024, which was sent to me, XXXX XXXX XXXX . The something which looks like cover letter has the word Dear Mr. without any name. This something looks like report does not have any information which should be to be called as a credit report. I request you will send me the proper credit report with the name, XXXX XXXX XXXX, with my family name, XXXX. I have requested to mention my family name, not my first name, in the previous letter. However, you have continued to mention me, XXXX, which is embarrassing action to XXXX consumer in the United States. I request formerly to correct this attitude and mention me, XXXX XXXX. If you do not agree with this, please give me the explanation, which is enough to understand me, XXXX XXXX. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Back on XX/XX/2023 I found that a {$300.00} pre authorization from XXXX XXXX XXXX on my credit card right away I contacted my credit card issuer to stop any transactions from XXXX XXXX XXXX  because I cant find my card and canceled my account. The cancel my account and sent me a new card. On XX/XX/2023 w see a transfer charge to my new account from my previous canceled account in the amount of {$2500.00} which is over my credit limit I contacted the bank and the dispute the transaction after XXXX week the denied my request and contacted them again and explained to them I cancelled the old account and contact me before you approve any charges. They never did and asked them how you approve an amount almost double my card limit without contacting me they said its up to the bank which is not the case several times the did not approve any amount over the limit in the past relatively less than {$50.00} above my credit and reported my account to the credit agency for non 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 explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Ive been denied of everything. I cant get a bank account in my name or a prepaid card. Due to Id theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: Credit Karma, LLC
State: MS

Complaint narrative:
Ive been denied of everything. I cant get a bank account in my name or a prepaid card. Due to Id theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: AL

Complaint narrative:
My debt was originally with Seedfi but sold to XXXX around XX/XX/XXXXXXXX. I received {$1500.00}. I made payments starting XXXXXXXX XXXX XXXX of {$98.00} a pay period every XXXX weeks. When I request this information from XXXX of my payment history they failed to do so. The correct amount of payments are not being reported to the credit bureau. I recently received a letter stating that I owe {$210.00} but the credit report States I owe {$2700.00} some odd dollars. I have only received {$1500.00} from the original owner. XXXX has called me and threatened to sue me send an attorney to my home and have me arrested in the past, but when I disputed the charge with the credit bureau all of a sudden as of XX/XX/XXXX the debt has been charged off. I recently received the amount owed is {$210.00} from XXXX XXXX XXXX XXXX regarding this debt. The original loan was supposed to be a savings account in the end but after I paid what I borrowed I stopped the payments due to the fact that the rest of the money was supposed to go into my account as a savings I choose to not do that. But they say that I'm still obligated to pay the entire {$4000.00} plus interest. Help. This is on my credit report as a negative for money that I won't pay to go into my own savings account.

Company response to consumer: Closed with explanation