vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I have been disputing this account with XXXX XXXX from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
JPMorgan Chase XXXX, XXXX - I am a victim of financial fraud on my checking account in the amount of {$7600.00} and my sons college checking account attached to mine in the amount of {$21000.00}. An agent posing as a Chase representative fraudulently wired these funds out of my accounts. This began on XX/XX/2023. I visited XXXX separate branches over the course of the week of XXXX XXXX. Each time asking for help with this, asking for the bankers to identify this representative as I had their name and employee ID number telling the banker this person contacted me saying he was a fraud department representative trying to prevent these wire transfers. All branch employees looked up the mans name and couldnt find him, told me that the ID number he gave me wasnt right but never thought to call the fraud department on my behalf. It took until my Friday visit to a branch for the banker who sat with me to tell me that at my first visit that banker should have closed my accounts. Even he still didnt question what I was telling him nor did he contact fraud on my behalf even though he could see the transfers. I am a victim of both the fraudster and Chase bank. I have attached the police report with complete information on the details. Please help me as Chase is not advocating for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: NY

Complaint narrative:
Debt collector knew by the name XXXX XXXX. XXXX, phone number XXXX, has attempted to communicate via telephone repeatedly at unusual and inconvenient times as outlined under Code of Federal Regulation ( CFR ) Title 12, chapter 10 subpart B subsection 1006.6 ( b ) ( 1 ) ( i ) ( ii ) and FDCPA subsection 805 ( a ) ( 1 ). I have no business with XXXX XXXX. XXXX  directly or indirectly which makes them a third party. XXXX XXXX. XXXX  's unwanted communication with me is a violation of 12 CFR 1006.6 ( d ) ( 1 ) and 12 CFR 1006.10 ( a ) ( 1 ) because I never gave XXXX XXXX XXXX my location information or permission to contact me. These are also violations of the FDCPA subsection 804 & 806 ( 5 ) respectively as well as 12 CFR 1006.14 ( a ), ( b ) ( 1 ), ( 2 ) ( i ) ( ii )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
XX/XX/23 : XXXX M & T Bank to close checking account. I no longer live near any physical branches and do not have any checks, so I was told to update my residency address with the bank and call back in XXXX weeks to order a debit card so that I could make a transfer of the remaining balance in the account in order to close it. 

XX/XX/23 : XXXX M & T Bank to follow up my call from XX/XX/23 and to request a debit card. Was again asked if I could come into a local branch. When I said I no longer lived near any branches, I was told my address had not been updated and to call back in another XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had this car since XX/XX/2015, been making monthly payments and have had trouble since XXXX. However I have paid this vehicle off probably XXXX  by now and I still owe over XXXX, Ive made extra payments and they just add on more fees and I can never get out of this loan. Not to mention the car always has expensive issues and I can never catch up, I just want to get rid of it at this point.

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Total scam/fraud I received a XXXX gift card for my birthday as soon as I activated the card and tried to use, it showed that the card was already used by someone else. Called customer service and filled out a form from for Vanilla to get a reimbursement due to a faulty charge on the Vanilla card and it's been over 120 days. I contacted customer service and waited over an hour on hold. When I finally got to talk to a customer rep they could not understand me and I barely could understand them. When I try to look up my card online or check my balance the site states a system fault and to try back later. This happens every time. My card now is on hold and I can't place any charges on it or make any transactions. DO NOT buy this card. Highly recommend that you DO NOT buy this card. Really really bad customer service. Very POOR business on their part. I have lost the {$100.00} and guess I'll never get refunded. They have outright stole the money from me... There is nothing I can do about it. 
There are so many additional complaints explaining the same thing : https : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TX

Complaint narrative:
Propagating false information of my name and address is against the law, any bill depth that's obtaining those entities needs to be removed. Any information obtaining so as inquiries hard or soft that's obtaining the same information needs to be removed. Any address prior to my currently address is incorrect and need to be removed. Anything that's in ties with those incorrect addresses needs to be removed. They are Propagating and dismantling false information upon me and the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
My husband and I are paying a substantial amount on a used vehicle. We are supposed to pay a monthly payment of {$570.00} dollars. We fell on hardship and called to see if we could lower our payments they said no they couldnt. Upon checking our lease agreement we noticed there is different numbers on our agreement versus our 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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Lender Name : Wells Fargo Home Mortgage I recently read that Wells Fargo had to settle and help those effected by their inability to assist home owners in loan modifications after XXXX. I called Wells Fargo and told them I was XXXX of those effected and they said if I am, they would reach out but they have not. 
In XXXX I attempted to modify my loan and several reps failed to assist with files getting lost, reapplication and so on. Wells Fargo put my house into Foreclosure without any guidance or help. I was forced to sell my house at a lower price than worth just to regain my down payment and not lose everything entirely. During the closing they charged me enormous amount of late fees. 

Their carelessness and lack of service affected me for years and until today. If you can please help and look into this I would appreciate it.

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 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
XXXX we refied with XXXX mortgage, XXXX {$280000.00} in XXXX XXXX XXXX XXXX bought the loan, cause XXXX XXXX belly up, then in XXXX XXXX sold to Carrington XXXX in that sale to Carrington from XXXX they raised to years from 25 to 36 years with no modification and did not inform Us of any changes in the number of years remaining for this loan to be paid off? We were told we didn't qualify for Loan Mod. We also didn't agree to change for 25 years to 36 years in our loan for no reason? who would? the loan is supposed to be paid in XXXX for some reason unknown to Us, banks have added XXXX to our loan? XXXX, and no explanation, crazy right. and every month add {$100.00} in late fees after XXXX, but I am on XXXX and get paid every third week of the month. LATE FEE NOW TOTAL {$3600.00}? IHAVE ASKED CARRINGTON TO WIAVED TO LATE FEES they refused and will continue even though I get a check every third week of the month. We need assistance in this matter. 
Issues 1. why did the years go from 25y to 36y? 
2. waive late fee, since I receive my SSDI on the third week of the month? 
what would be fair is return mortgage to 25y so it will be paid off in XXXX not XXXX as the original contract mortgage and remove all late fee and change late fee to after 30 days not 15. 
thank you for your assistance in this matter. 
XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Every time I use my debit card or make a payment it goes so long to go through and then it will seem like I have enough money in the account and then all the sudden it doesn't. I feel like they've been taking money out and I can't keep up with it because it goes so slow to go through

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 2023-01-23 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: GA

Complaint narrative:
FINAL NOTICE TO EQUIFAX AND XXXX XXXX BEORE LEGAL ACTIONS BE PURSUED CONCERNING THIS INACCURATE/UNVERIFIABLE ACCOUNT YOU REPORTING ON MY CONSUMER REPORT. This account # XXXX was disputed and deleted for being unverifiable and incorrect by XXXX and XXXX, and Equifax was notified of this deletion, according to the law. I would like to see the documentation that was used to determine the accuracy of these accounts. I'm not sure why you're saying that they're accurate, because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you're in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report. I'm not sure what section of the FCRA this belongs to or whether I'm supposed to quote some text, but I can't let this slide just be I'm not a lawyer. Please send me everything you have on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XXXX of XXXX, I received a noticed from Wells Fargo saying I did not pay my property taxes and did not have any home owners insurance. I clearly had the canceled tax check in my files, but they still tried to foreclose unless I paid them {$1000.00}. Paying them all that money, after I paid my taxes, put a huge strain on my finances. For several months I was always late on the electric, gas and water bills, causing the services to be turned off, because I couldnt pay them on time. Then Wells Fargo tried again to foreclose on me after I thought I made restitution with them by paying them the {$1000.00}. Once again they threatened to foreclose unless I paid them another {$1000.00}, and the same scenario started all over again. At the time all this was happening I hired a lawyer, please see all the attached correspondence between my lawyer and Wells Fargo. All of this continued till XXXX, when they finally stopped harassing me. 
Then mental and physical anguish I went through for 6 years put a strain on my marriage, my finances, and my health. I found this website called XXXX XXXX, on an article written by XXXX XXXX saying how Wells Fargo might owe you money, because it seems they did this to many other people. 

I have since sold this house, but I so afraid that if I purchase another house, if Wells Fargo becomes my mortgage holder, they will try do do what they did back then.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I have been disputing this account with Upstart Network from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
53rd Bank places false charges on the account that where not paid to the vendor. Requested receipt the vendor closed the account because it was not paid. Both where sending request for payments. Asked for itemized payment 53rd closed the account. Received another request in 53rd Bank behalf from XXXX XXXX XXXX XXXXXXXX XXXX. OH XXXX requesting {$650.00}. This is fraud and financial bullying scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent out Letter to Remove Inaccurate Credit Information from TransUnion, XXXX and XXXX I received a copy of my credit report and found the following items to be in error below 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Former : XXXX, XXXX, XXXX 3. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Payments on Time/Never Late XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

& 18. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

I also Attached Letter I sent to TransUnion, XXXX and 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 2023-01-23 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: NJ

Complaint narrative:
I sent out Letter to Remove Inaccurate Credit Information from XXXX, Experian and XXXX I received a copy of my credit report and found the following items to be in error below 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Former : XXXX, XXXX, XXXX 3. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Payments on Time/Never Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

& 18. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

I also Attached Letter I sent to XXXX, Experian and 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 2023-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Original complaint # XXXX my home That I lost is now valued at 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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have asked for valadation on accounts that appear on my report and I have not heard back from the companies. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are un verified according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information that is innaccurate, incomplete, or which provide testimony and certification that you can not be verified. XXXX cards, XXXX XXXX Card, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and, XXXXXXXX XXXX services. It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, INCOMPLETE, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHT TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formated reporting standards according to regulations.

Company response to consumer: Closed with explanation