vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 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: NY

Complaint narrative:
I received an email that the email address on my Experian account had changed. I tried to login and was told that the email of record on the account was changed to XXXX. That is not my account. I tried to call to complain and got a voice recorded system. I complained on Twitter and was told to FAX A copy of your driver 's license, state-issued ID, or passport, A copy of your social security card, A copy of a recent utility bill, bank statement, or insurance statement to some phone number. I did. A week later I got a statement in the mail that my account has been locked. I just tried to login and was told that it is now tied to XXXX. 

I am trying to buy a house. This is ridiculous. Experian support is non-existent.

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 2021-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The 3 major credit reporting agencies ; Transunion, XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX RE : Total and permanent XXXX. 
Im requesting that these reporting agencies remove this as a negative on my credit reports.

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 2021-08-09 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: FL

Complaint narrative:
I disputed XXXX  XXXX/Account XXXX and XXXX XXXX XXXXXXXX/ Account XXXX on XX/XX/2021. The reason why I'm disputed these account is because they are reporting inaccurate on my credit report. Yet Equifax has done nothing to change this. I dispute these accounts 4 times and still got no change. Equifax say its verified but I provide the correct information several times that is not correct. Activity is reported after these accounts were closed. This is a violation of the law and is incorrect on both these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/21, the District of Columbia Department of Employment Services mailed me a check for {$6000.00}. The check states in all caps " VOID AFTER 180 DAYS. '' I deposited this check in my XXXX XXXX XXXX XXXX account on XX/XX/21. On XX/XX/21, XXXX XXXX removed the funds and sent me a letter, stating that Wells Fargo ( the bank used by the Department of Employment Services ) declared the check " stale dated. '' XXXX XXXX told me to contact Wells Fargo, and Wells Fargo will not speak with me because I am not the Wells Fargo account holder. The check was not " stale dated '' because it was still well within the 180 day window. This check should have been honored, and I have been charged a {$15.00} fee and am experiencing a lot of XXXX  because of this.

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 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My complaint against Shellpoint Mortgage Services is falsifying information within my account, failing to follow through on the ACH promised to fulfil the escrow amount of money owed to me and lastly, using a stalling technique to keep from paying the escrow owed to me. 
Note : all of the conversations between those at Shellpoint Mortgage Services and me were recorded on the part of Shellpoint Mortgage Services at Shellpoint Mortgage Services as well as recorded during my calls to Shellpoint Mortgage Services. 

Today I spoke with XXXX XXXX of Shellpoint Mortgage Services at XXXX XXXX  confirming the mortgage was paid off and added that Shellpoint Mortgage Services owes me {$2800.00} but would not ACH the money into my bank account. 
On Thursday, XX/XX/2021 at XXXX XXXX  I spoke with XXXX at Shellpoint Mortgage Services, who confirmed the wrong account number was in the file and transferred me to XXXX XXXX in customer service. After providing her the same info she agreed that Shellpoint would electronically transfer the {$2800.00} within 24-28 hours to the correct account. 
On Monday, XX/XX/2021 at XXXX XXXX spoke with XXXX at Shellpoint Mortgage who took my bank routing number and account number advising that a transfer would take place regarding the escrow amount of {$2800.00}. 
On Friday, XX/XX/2021 at XXXX XXXX confirmed that Shellpoint Mortgage had not received final payment. 
On Tuesday, XX/XX/2021 at XXXX I checked with Shellpoint Mortgage had not received final payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TX

Complaint narrative:
This is my 4th time disputing these accounts and no one is responding ... The CPFB is supposed to ensure that these credit bureaus are following the law and they are not. 


XXXX  XXXX-XXXX-Unverified Account XXXX XXXX- XXXX- Unverified Account US Department of Education- XXXX- Unverified Account XXXX- XXXX- Unverified Account XXXX XXXX- XXXX- Unverified Account XXXX XXXX XXXX- XXXX- Unverified Account XXXX XXXX- XXXX- Unverified Account XXXX XXXX  XXXX- XXXX- Unverified Account XXXX XXXX-XXXX- Unverified Accoun XXXX-XXXX- Unverified Account XXXX , XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My checking account was overdraft after I had asked them to stop payments and they refused to do so putting my account overdraft they did this for 6 months after the last stimulus payment went in and my account had a XXXX balance I asked for that account to be closed they failed to do that and just let the same stop payments continue over drafting the account I had asked to be closed again now they want me to pay that

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 2021-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2021-08-09 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and Equifax. As of today, over 65 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 65 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XXXX  I started receiving collection letter from citi bank, for a account that it was opened with my identity ( stolen identity ) {$10000.00}, the problem was reported and citi bank has conducted a investigation, how ever they have determined that I'm responsible for this account. since then I have been reporting same issue and citi bank still blaming me about this account, sending collection letter, ruining my credit report and life without any possibility to have a good report to keep running y business. the damage has been huge and has impacted tremendously my life.

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 2021-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an account reporting to all three of my credit bureaus inaccurately, and per the FCRA anything reporting to all three of my credit bureaus should be reported 100 % accurate. I have attached a picture of the account with the highlighted discrepancies. Please delete this account asap.

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 2021-08-09 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: FL

Complaint narrative:
I have attached an account reporting to all three of my credit bureaus inaccurately, and per the FCRA anything reporting to all three of my credit bureaus should be reported 100 % accurate. I have attached a picture of the account with the highlighted discrepancies. Please delete this account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2021 I first disputed an unauthorized charge on my Chase Bank credit card ending in XXXX of {$42.00} for a XXXX XXXX XXXX subscription. 

After months of disputing this same charge Chase Bank which the XXXX had accepted subscription cancellation on XXXX Chase advised me the only solution was to discontinue this card number and replace with a reissued card with exact same benefits and a new card number which I agreed reluctantly to do. After a rigorous process of notifying legitimate merchants Chase gave the new number to the disputed merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
We have been struggling to get assistance from SPS since our mortgage was sold to them by XXXX XXXX XXXX. In XXXX our mortgage was sold to SPS and it took over 6 months ( almost a year ) for us to be acknowledged as successors in interest. We actually had to make a previous complaint and they finally called us and said ok we will make a payment plan with you guys so that we could catch up and begin to pay our mortgage. The payment plan they offerred would have required us to pay double our mortgage payment to catch up and nothing went towards the arrears so we suggested a plan that would pay towards the arrears and pay on the current mortgage which was denied! We were then told that we can not pay on our mortgage unless it was the full balance owed. Then CORONA hit!! We submitted a loss mitigation application in XX/XX/XXXX. We submitted our information over and over again and SPS kept sending letters saying we were missing information. After calling and emailing throughout the pandemic now XX/XX/XXXX they are now saying that all of our info in submitted andour application was complete as of XX/XX/XXXX and now 30 days later it is XX/XX/XXXX and they quickly denied us for a loan modification and assumption within 2 weeks after having our application for a year!!! We are constantly being denied assistance to pay our mortgage. We are constantly being denied any payment arrangement or being offered an arrangement that is so large that they have forced us into foreclosure we believe for the betterment of the company and not homeowners who have faced a terrible financial loss. We believe that SPS is not acting in good faith especially during a pandemic. We will resort to requesting a hearing as per CPLR 34087. SPS has never offerred us any assistance or allowed us to make payments to remedy this foreclosure. SPS has taken so much time verifying documents that have been sent in over and over to purposefully waste time and accelerate a foreclosure proceeding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been in contact with Equifax about these inquiries that arent mines they told me to get a police report which I did they have still failed to remove these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: NY

Complaint narrative:
The merchant credited me through Citibank for a transaction that was not completed. The merchant provided proof of the refund and its receipt by Citibank but Citibank refuses to credit the account, stating that I must contact the merchant. See attached for greater detail.

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 2021-08-09 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: CA

Complaint narrative:
The 3 major credit reporting agencies ; XXXX, XXXX. XXXX XXXX  XXXX, PA XXXX Equifax, XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX. XXXX XXXX XXXX TX XXXX RE : Total and permanent XXXX. 
Im requesting that these reporting agencies remove this as a negative on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The 3 major credit reporting agencies ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian, XXXX. XXXX XXXX XXXX TX XXXX RE : Total and permanent XXXX. 
Im requesting that these reporting agencies remove this as a negative on my credit reports.

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 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
On XX/XX/2021 I filed a FTC complaint and the account was not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: AL

Complaint narrative:
I have had so many problems with Wells Fargo bank that it sad that Wells Fargo bank are taking advantage of the consumers that has trusted Wells Fargo bank with their money and especially mine I am XXXX and I thought that this banking institution would help me succeed and help me to become financially stable surely this is not the case. As a Wells Fargo bank instead of helping the consumers to become financially stable it has caused even the bankers at this institution to force those bankers to open up fake accounts with the consumers permission. With out authorization from the consumers knowledge. It's a total disgrace for this institution to take advantage of the consumers as well as my self taking advantage of me as a Wells Fargo customer. This is not professional by any means. This institution has been sued for discrimination and has been sued for forging people names on documents opening fake accounts with out the consent of those consumers knowledge. So after all of these things happening with these banking institutions to this by no means this should be justified and in all reality this is how the consumers are as well as myself being taken advantage of by these banking institutions and I know that slot of bankers are up under pressure to open 8 accounts with out the authorization of the consumers knowledge. The consumers has lost confidence with these bankers at Wells Fargo. Surely if a person is XXXX and maybe suffers with XXXX  and XXXX  XXXX that no consumer should be treated unfairly and to be taken advantage of by these banking institutions. Now we see and are in a pandemic now this institution is waiting to bring their families problems to work and to treat the consumers any kind of way. And taking their problems out on the consumers. Saying that they are not the one and gagging up on the consumers in their ears. And maybe trying to how hard they can be to the consumers and maybe the bankers at Wells Fargo bank is trying to impress a female banker or a man at Wells Fargo bank. Maybe this how these institutions are making their money by taking advantage of me And other consumers. Now I just want to let you all know that Wells Fargo bank sent me {$25.00} cashier 's check and I haven't signed the check because if I would have cashed that check it will be like that I have given them the permission to take that {$290.00} cents for that checking account. I know that maybe this institution may think that I am XXXX or maybe even slow or maybe this institution may think I am XXXX  and maybe they think I am a alien or whatever. But I do know this I know when I am being taken advantage of just like the other consumers as Wells Fargo bank has done me And other consumers as well.

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