vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 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: MD

Complaint narrative:
Violation of HIPPA Regulations I sent a debt validation letter to XXXX XXXX XXXX , XXXX, and the company has failed to validate my debt. Instead they sent me a list of medical procedures ( copy enclosed ) which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing XXXX XXXX XXXX , XXXX, to have access to this information, and no copy of such authorization bearing my signature has been provided to me because none exist. XXXX XXXX XXXX , XXXX, has violated my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I discovered on XX/XX/XXXX that my credit report had been updated with a 27 point drop due to Honda Financial Services removing themselves from my credit report ( also news to me ), as I have an open account in excellent standings with a balance that is paid on monthly. 
I called Honda Fin. Serv. on XX/XX/XXXX and was told that the trade line was removed from my credit due to new federal credit reporting guidelines. That I had 1 late payment in XXXX and utilized the option to defer 1 payment in XXXX, therefor resulting in the above actions to be taken. 
I was told for the remainder of my payments Honda will not be reporting to credit bureaus. 
I received no communication about this prior to it happening. I am upset that my future payments will not be part of my loans/payments that keep more credit score in excellent shape.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am lodging a complaint against Wells Fargo for several reasons : - The branch where our safe deposit box is located was temporarily closed without any advance notice to allow us to retrieve critical time-sensitive contents. 
- I was not allowed to talk with representatives of the branch to retrieve contents I needed immediately but was instructed to email to set up an appointment. 
- The stated time frame for a response to my email was 2 business days, but it has been longer than that and I have not received any response from Wells Fargo. 

I lost a sale of my car due to not being able to get the title to the vehicle. This approach to not allowing access to my safe deposit box is deployable. 

What if I needed a Health Care Power of Attorney immediately or a Will or a Deed to our home? 

Certainly, the function of many Wells Fargo branches is fungible, except for access to safe deposit boxes. 

I still have not heard from Wells Fargo to gain access to my safe deposit box. 

Please appraise me of the status of my complaint. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have applied for a credit mortgage at Wells Fargo. I received my approval letter for {$250000.00} in XX/XX/2020. So far so good ; however, the mortgage counselor asked me for more documents, so I brought everything I had and informed him about my divorce proceedings and specifically, that I do not have a divorce agreement already signed by the court. A couple of months later, the first week of XXXX, I signed a contract to buy a house. I had a meeting with XXXX XXXX XXXX ( Wells Fargo mortgage consultant ) where I asked him if nothing could interfere or block the purchase process, he assured me that nothing could hold up this process. I paid {$350.00} for the home inspection, {$120.00} for the pest inspection, and {$510.00} for the appraisal deposit. What was my surprise when Wells Fargo delayed my mortgage approval, consequently, the seller dropped the contract. In conclusion, I was unable to purchase the home because a court signed divorce agreement was a requirement to complete the mortgage process. Wells Fargo just told me, sorry I don't know what requirement would be unresolvable until the last part of the process. And I wonder what happens to my money, who can pay me back? How can a bank of that level have such a degree of inefficiency, are customers important to Well Fargo, does Wells Fargo take care of customers ' finances, obviously not. I have all the correspondence with XXXX XXXX as proof that I am being honest.

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 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a victim of fraud and the chase wont help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
We purchased the house in common with three people- 2 of whom have the same last name. The third person is routinely left off the mortgage and we had to call multiple times to have them added to the mortgage again. This adversely affected their credit report. 

We refinanced with the same company and again the same person has been left off the mortgage. According to the credit bureaus they are not on the mortgage- we will have to call and correct this AGAIN. They legally own the house and signed the same paperwork as co-borrower. It is due to the incompetence of Guaranteed Rate Inc that this continues to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: AL

Complaint narrative:
I checked my credit report on XXXX XXXX and realized I had inquires on my report that I don't recognize, they are all from 2021 Inquiry disputes Us Bancorp XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I logged into Equifax.com on XX/XX/2021 to submit a dispute : confirmation ( XXXX ) and was advised that I would have a response to my dispute on XX/XX/2021. It is now XX/XX/2021 and my status is still showing as under investigation please help. This account is NOT mine and I have been trying to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing these six accounts on my Experian since last year XXXX and nothing I mean absolutlely nothing is being done about these they are not mine they do not belong to me therefore they should not be in my credit report I have Opened a Identity theft report I have reached out ot bureaus and furnishers and they dont seem to care that I am a victim here I need these off my credit asap!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account XXXX XXXX XXXX Acct # XXXX Amt {$0.00}

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 explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
A debt collector is trying to collect money owed from 2016, though they took over the debt from a company that went out of business and never tried to contact me about the debt. I contacted the hospital who was the originator of the debt for them to tell me they have no record of one of the bills. I paid one debt in full to the hospital directly and let the debt collector know that the other bill did not exist in their system and that I need proof of the bill before I pay. The communication turned hostile via email and the collector told me that I was pulling a " pity card '' and began signing emails as " XXXX  '' after I told the collector that they were XXXX  for the shady business practice of never reaching out for payment, having all of my contact info on file as I've already tried to reconcile my accounts with them. I have the email chain available for review if needed. The amount in question is {$580.00} and debt collector has provided no proof up to this point and the original biller has no record of the debt. This is harassment and I feel like I have no rights here. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did not authorize anyone employed by these company to make any inquiry and view my report. I am making a final goodwill gesture to allow them to correct there erroneous reporting. They have asked me via mail for exact inquiry dates after receiving a certified letter that included a copy of my recent credit report showing Inquiries for dates XX/XX/2019 and XX/XX/2019 and a copy of a Identity theft report. 
Failure to respond satisfactorily may result in a small claims action against this company seeking {$1000.00} per violation for : Defamation, Negligent Enablement of Identity fraud, and Violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX, and XXXX  are erroneously reporting public record BK XXXX  on my credit report that was supposed to be removed and is not an accurate public record ... I have disputed this information with the bureaus who stated they were able to " verify '' accuracy with the furnisher which was a lie ... - US BKPT CT CA XXXX - WHO STATED THEY DO NOT REPORT OR UPDATE OR V XXXX XXXX ANY INFORMATION AT ALL TO CREDIT BUREAUS ... THUS YOUR STATEMENT OF " VALIDATING THE ACCURACY OF THIS ACCOUNT WITH THE REPORTING FURNISHER IS FALSE! ... " AFTER CONTACTING AUTHORITIES IN CHARGE OF REGULATIONS OF YOUR ORGANIZATIONS, I LEARNED TO. FIND OUT THAT IT IS XXXX XXXX PRIVATE COMPANY THAT COLLECTS AND SELLS THIS PUBLIC INFORMATION TO YOUR ORGANIZATION. I THEN CONTACTED THEM REQUESTING VALIDATION OF THIS ERRONEOUS ACCOUNT ON MY CREDIT REPORT ... 
- IN XXXX OF 2021 AFTER YOUR NUMEROUS WRITTEN VALIDATION ACKNOWLEDGMENTS OF ACCURACY OF THIS ACCOUNT, XXXX THE ACTUAL FURNUSHER OF THIS ACCOUNT TO YOUR ORGANIZATION, CONFIRMED IN WRITING THEY DO NOT AND DID NOT HAVE SUFFICIENT OR NONE INFORMATION ON THEIR RECORDS IN REGARDS TO THIS PUBLIC RECORDS # XXXX OR # XXXX THUS THEY CONFIRMED IN WRITING DELETION OF ANY AND ALL PUBLIC RECORDS RELATED TO MY SOCIAL SECURITY NUMBER.

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 2021-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Transunion, and XXXX  are erroneously reporting public record BK XXXX on my credit report that was supposed to be removed and is not an accurate public record ... I have disputed this information with the bureaus who stated they were able to " verify '' accuracy with the furnisher which was a lie ... - US BKPT CT CA XXXX - WHO STATED THEY DO NOT REPORT OR UPDATE OR V XXXX XXXX ANY INFORMATION AT ALL TO CREDIT BUREAUS ... THUS YOUR STATEMENT OF " VALIDATING THE ACCURACY OF THIS ACCOUNT WITH THE REPORTING FURNISHER IS FALSE! ... " AFTER CONTACTING AUTHORITIES IN CHARGE OF REGULATIONS OF YOUR ORGANIZATIONS, I LEARNED TO. FIND OUT THAT IT IS XXXX XXXX PRIVATE COMPANY THAT COLLECTS AND SELLS THIS PUBLIC INFORMATION TO YOUR ORGANIZATION. I THEN CONTACTED THEM REQUESTING VALIDATION OF THIS ERRONEOUS ACCOUNT ON MY CREDIT REPORT ... 
- IN XXXX OF 2021 AFTER YOUR NUMEROUS WRITTEN VALIDATION ACKNOWLEDGMENTS OF ACCURACY OF THIS ACCOUNT, XXXX THE ACTUAL FURNUSHER OF THIS ACCOUNT TO YOUR ORGANIZATION, CONFIRMED IN WRITING THEY DO NOT AND DID NOT HAVE SUFFICIENT OR NONE INFORMATION ON THEIR RECORDS IN REGARDS TO THIS PUBLIC RECORDS # XXXX OR # XXXX THUS THEY CONFIRMED IN WRITING DELETION OF ANY AND ALL PUBLIC RECORDS RELATED TO MY SOCIAL SECURITY NUMBER.

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 2021-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXnd Equifax are erroneously reporting public record BK XXXX on my credit report that was supposed to be removed and is not an accurate public record ... I have disputed this information with the bureaus who stated they were able to " verify '' accuracy with the furnisher which was a lie ... - XXXX XXXX XXXX CA XXXX - WHO STATED THEY DO NOT REPORT OR UPDATE OR V ALIDA TE ANY INFORMATION AT ALL TO CREDIT BUREAUS ... THUS YOUR STATEMENT OF " VALIDATING THE ACCURACY OF THIS ACCOUNT WITH THE REPORTING FURNISHER IS FALSE! ... " AFTER CONTACTING AUTHORITIES IN CHARGE OF REGULATIONS OF YOUR ORGANIZATIONS, I LEARNED TO. FIND OUT THAT IT IS XXXX XXXX PRIVATE COMPANY THAT COLLECTS AND SELLS THIS PUBLIC INFORMATION TO YOUR ORGANIZATION. I THEN CONTACTED THEM REQUESTING VALIDATION OF THIS ERRONEOUS ACCOUNT ON MY CREDIT REPORT ... 
- IN XXXX OF 2021 AFTER YOUR NUMEROUS WRITTEN VALIDATION ACKNOWLEDGMENTS OF ACCURACY OF THIS ACCOUNT, XXXX THE ACTUAL FURNUSHER OF THIS ACCOUNT TO YOUR ORGANIZATION, CONFIRMED IN WRITING THEY DO NOT AND DID NOT HAVE SUFFICIENT OR NONE INFORMATION ON THEIR RECORDS IN REGARDS TO THIS PUBLIC RECORDS # XXXX OR # XXXX THUS THEY CONFIRMED IN WRITING DELETION OF ANY AND ALL PUBLIC RECORDS RELATED TO MY SOCIAL SECURITY NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TX

Complaint narrative:
Equifax has been reporting a few more things on my report that was not mine with attempts open other ones. I call the companies they refer me to the credit bureau I explain the issue and they keep telling me they cant only sent a notification which I know that is not true. You can't keep reporting wrong fraud information. I am asking again that you delete the following things from my report XXXX XXXX CARD, and the following inquires EQUIFAX MORTGAGE SER, XXXX XXXX, XXXX - CARD SERVICE, XXXX XXXX, XXXX OF XXXX, XXXX XXXX, XXXX XXXX, XXXX. I have requested that this be fixed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XXXX of this year Simple bank sent me a notification that it would be closing in XXXX and my current account would be transitioning to its partner bank BBVA USA. I was assured that the transition would be seamless. On XX/XX/XXXX Simple bank officially closed and I was given instructions for enrolling in online banking with BBVA. I was instructed to download the BBVA online app and enroll using my existing account information. On XX/XX/XXXX I started the enrollment process through the app. I made it half way though the enrollment process when the app gave me an error message and told me to try again. When I attempted to enroll again I received an error message that my account had already been enrolled and for security purposes had been locked. I was given a customer support number to call to unlock the account. I called twice on XX/XX/XXXX and was placed on hold for about 45 minutes before being disconnected both times. I attempted to call again on XX/XX/XXXX and was transferred to three separate CS agents over the course of two hours and eventually hung up on. I have no access to my online banking and have no way to access my money. BBVA has acknowledged that this is an ongoing problem on their website and XXXX account however no formal notification has gone out to customers with further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The 5 accounts that do not belong to me and I have opened an Affidavit notarized it for Identity theft and opened A Federal Trade Comission Report as well as reached out to the bureaus and the furnishers with all these documents and still nothing I hear crickets. Is this fair to treat citizens in this manner I am a victim and I feel like I am being ignores these accounts were never opened or used by me why is it in my report and why are the bureaus letting this happen???????? 

Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX SVCS Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is the sixth time I've attempted to get this mistake corrected I have sent out a multitude of letters and still no resolution whatsoever. There is a name that I am not associated with at all under my credit report and this is attempt number seven.

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