vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I purchased furniture from XXXX 's XXXX XXXX on XX/XX/XXXX that I have never received. The furniture was supposed to be delivered on XX/XX/XXXX. It never came. A new delivery date was rescheduled without consulting me for XX/XX/XXXX and again nothing came. Then I was given a XX/XX/XXXX delivery date and again nothing. I was rescheduled again for XX/XX/XXXX and if you are following the predictable trend nothing was received. I was then given a XX/XX/XXXX date and then days before that date arrived I was notified that the product will be out of stock until late XXXX. Since I have been waiting for this furniture for several months and I don't know if or when I will receive it, I can not continue to pay for this furniture. I will not be sending any more payments towards this furniture until someone at XXXX 's XXXX XXXX takes leadership and ownership of this issue and resolve it. I have attempted to resolve this issue with store XXXX named XXXX and customer service supervisor XXXX. I explained to both of them you can not set a delivery date without consulting me first because the item needs to be delivered when I am home. XXXX has been less than helpful and XXXX has tried but so far he has not been successful. I also do not find customer service at Wells Fargo to be helpful, friendly, or customer focused. So far I have not had the best experience trying to communicate with Wells Fargo so given all of the challenges I am having I thought it was best to write my concerns out in the form of a complaint because the listening skills experienced so far at Wells Fargo has only added to the problems. I have found both XXXX 's XXXX XXXX and Wells Fargo to be unreasonable. XXXX 's XXXX XXXX is not communicating with me effectively nor are they making a real effort to deliver the furniture to me. Wells Fargo has started billing me when I haven't received the product yet and customer service has been lacking.

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 2022-03-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Bankruptcy XXXX 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 2022-03-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
The dealership ( XXXX XXXX XXXX XXXX XXXX ) had me put down a 100 % refundable deposit of {$500.00} in order to " hold '' a vehicle while I decided whether or not I wanted to purchase it. When I decided I didn't want to purchase, the dealer tried to hold the {$500.00} in ransom for me to come in and explain WHY I didn't want the vehicle. I told them to refund it -- and they said they would, but only if I came in and told them why. I explained why over the phone and through text -- and they ignored me moving forward. I asked for the refund -- they ignored me. So I disputed the charge with the credit card company. They didn't ask me a single question- instead they just denied the dispute stating that I did not answer their questions. When I tried to call in and ask WHAT questions -- USAA subsequently could not tell me what questions weren't answered. BUT -- told me that because I ALREADY disputed it -- I couldn't dispute it again. 

I did not purchase a vehicle. The deposit was 100 % refundable. But somehow I cant get the money form the dealer OR my credit card company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Original Creditor : XXXX XXXX ) XXXX Bankruptcy XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is unfair to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. This has caused Financial injury and defamation of character along with 30 plus days of no response.

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 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
did not consent, nor benefit from or authorize any of the following Accounts : XXXX XXXX XXXXXXXX XXXX Account # ending in : 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 2022-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I applied for PMI Reduction with New American funding. I paid {$150.00} to them for the appraisal of my property. However they denied me the PMI reduction on the grounds that the value of my priperty is {$570000.00}. I reviewed the appraisal report and found several inconsistencies and errors. Meanwhile the value of my property on the company 's own website shows {$670000.00} and on XXXX it showed {$660000.00}. I called the appraiser to inquire about the strange and out-of-the-ordinary value shown on his report. He made it clear to me that when he submitted his first report, the New American Finding representative impressed on him to make changes before he would accept the report. He was given specific property addresses to use to undervalue my property. This, I believe is fraudulent, unprofessional, unlawful and unacceptable. 

I contacted New American to provide me with the original appraisal report but they refused and indicated that they never had contact with the appraiser. They indicated that XXXX XXXX reviews the appraisals and approves them for New American. However, when I contacted XXXX XXXX on XX/XX/2022 ( XXXX XXXX. XXXX ) and they categorically denied and indicated that it is New American Finding that does the appraisal review and makes decisions on PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of York, Inc.
State: MD

Complaint narrative:
I have been the victim of identity theft, I tried to dispute with the XXXX credit bureau several times but the refused to remove it from my credit report. I even filled up the FTC report and send it to them but the results came verified. I don't recognize that debt, it's the only debt I have in my credit history with one credit bureau which is XXXX. I don't recognize that debt at all, it's also stopping me from getting an apartment for me and my daughter. Please I really need this to be able address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TN

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-03-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2022 This letter is a initial complaint that you are reporting inaccurate and incomplete credit information to my credit file. XXXX suffered a security breach that leaked my personal information ( my name, social, date of birth, drivers ' licenses number and other personal information ) as a result I became a victim of Identity theft. I have contacted my lawyer who will be working with me to bring this information to a judge in my area. Your company has failed to provide proof of legal debt validation, and at this point I have requested it twice. I am certain that you know that the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer 's credit report. Anyone paying for your reporting services could fax, mail, or email in a fraudulent account. There is more than one account that you have listed on my credit files, are results of identity theft because I have no knowledge of them and should be removed from my credit file immediately. Continuing to report this inaccurate information please understand you are in direct violation of the Fair Debt Collections Practices Act, this is against the law. 

I do not owe your company any money, I have never done business with your company this is the last time I am asking that you remove this account from my credit report and as soon as possible, it is absurd that your company would put something like this on my credit file without first making sure that it was indeed correct information. Attached to this document I have also provided you with my police report. I am also requesting that you provide me with full debt validation of this alleged debt. Please send me proof that this account has been removed from my credit file, I have also filed a FTC report against your company as well. 



I look forward to the correction of this matter XXXX XXXX XX/XX/2022

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 2022-03-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I did not consent, nor benefit from or authorize any of the following Accounts : BANK OF AMERICA - Account # : XXXX - {$1100.00}

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 monetary relief
Consumer complaint received 2022-03-02 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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-03-02 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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-02 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: GA

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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:
This is unfair to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. This has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is unfair to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. This has caused Financial injury and defamation of character along with 30 plus days of no response.

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 2022-03-02 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I did not consent, nor benefit from or authorize any of the following Accounts : XXXX  XXXX XXXX - Account # : XXXX - {$1100.00}

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 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Please Stop letting hackers hack my Account. 
I have called Wells Fargo several times and even gone into branch locations asking that : 1 ;. Nothing paid if the money is not in the account and 2. No recurring be allowed to go through on the account. None. None. None. 
I also signed the form for nothing to be paid if the money is not there. Still, I have to keep calling over and over again. Hackers are authorizing these recurring charges and it is not me. I never, never authorize any recurring payment and I keep asking them over and over again to not allow them. 
At the end of XXXX I once again called and talked with XXXX. She said she took care of it but then a few days later on XX/XX/XXXX a recurring charge went through again. So, I had to call again and they did waive the fee but this is an ongoing issue that keep happening. I am not authorizing ANY recurring payments. I do not want any recurring charges to go through on my account EVER!! The hackers are doing this. So please stop. Please stop.

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 2022-03-02 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: GA

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this 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