vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I couldnt check my bank account for a while because of my sickness. 
I got victimized of unauthorized transaction fraud amount of {$20000.00} ( XXXX XXXX XXXX XXXX transactions ) I just called wells fargo customer service on XX/XX/2021 and they made claim for me but I have received no response yet.

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 2021-09-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. There are addresses on my report which do not belong to me. My address is XXXX XXXX XXXX , XXXX, NJ XXXX.Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. I am completely willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent inquiries from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. There are addresses on my report which do not belong to me. My address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX.Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. I am completely willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent inquiries from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.

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 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, XXXX  XXXX To whom it may concern, I XXXX XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 - 433.3 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury. 
in accordance with the written instructions of the consumer to whom it relates. 
Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional XXXX is in violation of 15USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be exculded from the consumer report. 

I, XXXX XXXX XXXX Never gave XXXX any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer I'm demanding a deletion of these accounts. 

1. XXXX XXXX XXXX - {$1700.00} OPENED XX/XX/XXXX, {$0.00} XX/XX/XXXX 2. XXXX  XXXX XXXX - {$1000.00} OPENED XX/XX/XXXX 3. XXXX XXXX - {$560.00} XX/XX/XXXX, {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX XXXX {$2500.00} OPENED XX/XX/XXXX 5. XXXX XXXX XXXX XXXX BANK XXXX XXXX OPENED XX/XX/XXXX 6. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 7. XXXX XXXX {$0.00} XX/XX/XXXX 16 A.R.S. Rules of Civil Procedure, Rule 80 Formerly cited as AZ ST RCP Rule 58 ( e ) Rule 80. 
I XXXX XXXX XXXX XXXX declare under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
On XX/XX/2021 National Credit Systems , Inc sent me a letter claiming that I owe an " alleged '' debt. Scanning over the letter, I noticed National Credit Systems , Inc violated many of my federally protected consumer rights. 15 USC 1692c ( a ) states " without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never given written consent nor gave permission for National Credit Systems to communicate with me in connection with an " alleged '' debt. No consent equates to Identity Theft. I have since replied with a letter to cease and desist all communication with me pursuant to 15 USC 1692c ( c ) and to pay attached invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: AL

Complaint narrative:
Equifax is reporting an account on my credit report with no creditor listed. I have been unable to send out validation request because I am unaware who is reporting these accounts or if this account even belongs to me. I have sent 3 dispute letters to Equifax since XXXX of 2021 asking them to investigate this account and I have yet to receive a written response or see any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
this company continues to harrass me by attempting to collect a debt they do not own and will not accept payment on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I filed a complaint against Complete Credit Solutions for placing a fraudulently-opened PayDay loan debt on my credit report. Those types of loans are not even legal in the state of North Carolina. Despite the complaint, this collection agency continues to report this travesty on my credit report. I did receive a response from the CFPB, that Complete Credit Solutions responded to our complaint, but I sure never got a copy of it. The CFPB informed me that on XX/XX/XXXX, that Complete Credit Solutions mailed me a copy of the response to the complaint, but the response was not available online. I know the US postal service is slow. But I can't imagine that it takes 2 weeks to deliver a letter from their office to my home. I've been checking my mailbox religiously every day, and nothing has arrived from Complete Credit Solutions. So not only are they collection agency that doesn't follow federally mandated protocols, they have now also proven themselves to be liars. I even called them at the number that you provided, and the representative I spoke didn't even know what I was talking about, when I asked for a copy of the response to my CFPB complaint. Its now been a month since I filed the complaint, and I don't think that its too much to ask to find out what's going here. After all, I am the party that was harmed, and this situation just seemed like it was blown off with nothing done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Where do I begin. I have been a loyal customer of CitiBank and over the course of the last 5-10 years I have opened disputes with them against fraudulent billing from merchants. The number of disputes must have been in the range of 24-30 and NOT A SINGLE dispute was ruled in my favor despite my spending countless hours pursuing disputes with them. All they are interested in is bilking customers under the guise of helping because their real customers are the merchants.

I want something to be done against these big banks and especially CitiBank because I don't come across anybody complaining about other banks. I am just sick of it and I have lost lost a lot of money since I have been with them. Enough is enough. 

Please render some justice here. 

Thanks 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 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: UT

Complaint narrative:
This complaint is in response to another letter that I just received XX/XX/2021 from XXXX XXXX  XXXX regarding a foreclosure on my mortgage with Fay Servicing with an auction set to sell my home on XX/XX/2021. 
Back on XX/XX/2021, I had to file a complaint with CFPB against my mortgage servicer for not communicating with me regarding forbearance requests, and for doing a Loss Mitigation ( BAF ) application to help me exit forbearance and keep my home. My servicer replied to my complaint on XX/XX/2021 by saying they would allow me to complete my BAF application to assist me.

I submitted a complete BAF application on XX/XX/2021 and I requested that Fay Servicing let me know if anything was missing with my application ( please see uploaded doc ). Fay Servicing said they were backed up with processing BAF applications and that I should be patient for a review of options and or a decision. 
Because of submitting my BAF application, I was under the impression that a foreclosure auction would be suspended until after a review of options to keep my home was given by Fay Servicing. Instead, I received zero response from Fay Servicing regarding my BAF application and was foreclosed on without any notification on XX/XX/2021. 
Now that there is a date for the sale of my home by public auction on XX/XX/2021, Fay Servicing will not help me keep my home by saying they don't have enough time to review my BAF application before my home is auctioned off...?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: SC

Complaint narrative:
I had purchased two kicker speakers XXXX from XXXX XXXX when I got home connect the speakers I was having problems with them kept put my amp off on protection mode so when I purchased the speakers in the store and all over the store since you have 15 days to return them and thats exactly what I did I return them the only problem was I was denied returning them because the speakers had dust on them from inside the woofer box from the sawmill I guess and one of the boxes were damaged so the assistant managerRefused for me to return them I said I just wan na exchange refuse exchange them and then told me if I didnt leave you call security so I dispute this charge with Discover card Discover card found in my favor but then they just reversed it because XXXX XXXX told them so Discover is trying to tell me because I dont have written proof is the reason why it went back to XXXX XXXX watt if I go into a store and I try and return a purchase and they refuse it when you get written proof that you were there they could check their cameras if they want to see that I was there XXXX written proof or do you think summer is going to give me written proof so now the sun me to get a return and get your money back you need written proof that you were there XXXX XXXX states in her letter you dont get to have both you cant keep the speakers and get the refund I tried giving him the speakers back they refused them they denied me I was well within a 15 day. Now they want me to talk to you kicker about the warranty they couldve did that the store when I returned them I was just looking for an exchange them know we try to help me and told me to leave I already bought other speakers hes a no good to me broke when I bought them at the time I want to use them at the time not dispute them for two months and not get to use them so I bought new ones these are no good to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: PA

Complaint narrative:
Equifax fail to submit documents to validate all fraudulent inquiries and accounts on my credit report. I sent notarized affidavit and dispute letters proving that these account i have listed are not mines and they do not belong to me. i have been in contact with all companies listed in affidavit and they have not yet respond to my issue. this has become very stressful and is keeping me and my family in a terrible situation. its been over a year i been fighting these accounts. For the record i am XXXX XXXX and i am submitting this complaint myself

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Account # : XXXX {$8900.00} XXXX XXXX Account # : XXXX Balance : {$570.00}-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Incorrect information on my XXXX, XXXX, and XXXX report ; However I have sent in documents back in XXXX to remove the unknown two hard inquiries reports and out-of-date inquiries items from my credit report ; I also reached out to companies that are over the statute of limitations. Also, a few items do not know the debts. I also have filed with OCC/ FCRA and Texas General Office . Statute of limitation is required to be removed from credit reports. I never received an investigations report! I have received emotional distress/violating my rights by the behavior from the debt collectors this has caused me hardship, stress, and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have filed a legal action and documents are attached explaining the situation in detail. 
The complaint is against both Wells Fargo for violations of Regulation E and against XXXX XXXX rental.

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 2021-09-24 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: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX  I was charged {$110.00} from XXXX for a flight to XXXX  XXXX. I have never heard of this airline before because its an XXXX XXXX  and I am in the XXXX. They tried to charge me a second time for about XXXX but it didnt go through because that first charge made me almost overdrawn. I disputed it immediately to Chime and closed my card. I wasnt able to actually make a claim until the payment processed on XX/XX/XXXX which is when they gave me a provisional credit. They were then investigating the claim. I also received a refund from the merchant on XX/XX/XXXX for the amount. On XX/XX/XXXX, I received an email from Chime disclosing that the investigation is finished and that they concluded that no error occurred and said they were reversing the provisional credit affective XX/XX/XXXX. So on the XXXX I called them and spoke to the Dispute dptmt manager and he assured me to disregard the email and that I would not be charged. However, yesterday they did in fact take the money from my account and I have tried to speak to them and all they say is that they can send me the documents within 10 days and or give them more proof that I didnt make the charge.I dont know how im supposed to do that when no other bank made me have to prove that a fraudulent purchase was not mine. I assume they can check IP addresses and things beyond my ability to see the proof. This is very frustrating and financially hard on me and need this resolved.Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARCO Group, Inc.
State: IL

Complaint narrative:
I am being told that an address of XXXX XXXX XXXX XXXX XXXX, FL is being reported on my credit report this is an incorrect address it is reporting I lived at this address from XXXX which is incorrect information. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX This address should not be on my credit report at all this address does not belong to me please remove from my credit report. 

I feel I am a victim to identity theft someone is using my social security number and possibly my dob as well as my name I have gotten several alerts of accounts opened that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I have been working with Fay Servicing and assigned agent XXXX XXXX during this time. On XX/XX/2021 I was approved onto a trial modification plan where I was to make 6 Months trial payments beginning XX/XX/2021 Thru XX/XX/2021 in the amount of {$3000.00}. I successfully made 4 of my 6 payments as sheduled however where I am having a problem is my payment in the amount of {$3000.00} was mailed by USPS to be overnighted and was delivered to Fay Servicing on XX/XX/2021 at XXXX XXXX- I understand my payment was to be into Fay Servicing by the last day of XX/XX/2021 and I did try to make the payment over the phone but was not able to so I resorted to overnighting the payment instead the problem was the mail was delayed. I have been working with XXXX XXXX and she has been more than helpful with my case On XX/XX/2021 we did speak to XXXX and emailed her the tracking number from USPS showing proof of payment being mailed ( Tracking Number XXXX ) and she reached out to the investors to see if they can over turn this issue, however, while in review since XX/XX/2021 Fay Servicing issued me a Foreclosure date of XXXX I have requested the postponement to allow time to be properly reviewed but agents at Fay Servicing advised me they DO NOT have to stop the foreclosure eighter the investor will agree to help me or the foreclosure will take place but that they can not stop it and will not even though I'm in the review process of appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
The doctor charged the wrong health insurance company. Correct information was provided but the doctor 's office never followed up and instead, turned it into collections. Debt is now to old to file with the correct health insurance company. In the mean time, the collection is showing up on my credit record and causing credit problems.

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