vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-08 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: PA

Complaint narrative:
Under the new regulations that came into effect on XX/XX/2021, debt collectors must send you a Notice of Debt within 5 days of their first contact with you. I haven't receive any notice from XXXX XXXX about this debt. XXXX XXXX isn't available in PA nor XXXX. I haven't received any notices to collect or validate this debt. I haven't received any notice of debt so this collection is invalid and needs to be deleted. XXXX XXXX is violating the FCRA by not providing me with any collection notices and reporting inaccurate information on my credit reports. If XXXX XXXX don't remove this debt, I am entitled under the FDCPA, EFTA, FCRA, or any state law, to collect money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. This debt is invalid, fraudulent and not collectable.

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 2022-03-08 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: PA

Complaint narrative:
Under the new regulations that came into effect on XX/XX/2021, debt collectors must send you a Notice of Debt within 5 days of their first contact with you. I haven't receive any notice from XXXX XXXX about this debt. XXXX XXXX isn't available in PA nor XXXX. I haven't received any notices to collect or validate this debt. I haven't received any notice of debt so this collection is invalid and needs to be deleted. XXXX XXXX is violating the FCRA by not providing me with any collection notices and reporting inaccurate information on my credit reports. If XXXX XXXX don't remove this debt, I am entitled under the FDCPA, EFTA, FCRA, or any state law, to collect money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. This debt is invalid, fraudulent and not collectable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
XXXX XXXX  XXXX XXXX contacted this third party company, BWW Law Group , LLC. in order to collect the alleged debt, without my consent and mentioned that I, the consumer, owes a debt. BWW Law Group is now harassing me, threatening to cause harm, and damage my reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Several accounts are inaccurately reported on my Equifax report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the Equifax report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX & it inaccurately reports that I owe XXXX  now. Last week, it did not report that account or amount. I never owed a charge-off of {$3.00} at XXXX  and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Text message received on XX/XX/22 stating fraudulent activity. Reply yes or no if authorized transition. My husband responded no and we immediately contacted Wells Fargo Bank as we were on the phone with the bank we received a call from fraud department. We asked the Wells Fargo rep if we should answer the call and verified the number with her she replied yes. It was a scammer pretending to be from the financial institutions fraud department. The callers number was being spoofed. The scammer told us we need to verify our identity, the scammer asked for the online banking username and told us to read back a passcode sent via email. He then instructed us we need to send our current balances to our selfs through XXXX in order to set up new accounts. As soon as the translation was complete the scammer hung up. XXXX dollars was sent. We immediately called Wells Fargo back and spent over XXXX hour filling a claim and changing account username and password. Rep reported that the transition was pending and has not went through yet. Was charged overdraft fees. Called multiple times to find out the claim was denied due to no error and rep reported the claim was filled incorrectly and not has a fraud claim. New claim and escalated complaint filed on XX/XX/22. Account was locked on XXXX/XXXX/XXXX, had to call customer service to unlock account. Never received call back on complaint. On XX/XX/22 second claim denied. Went directly to bank and spoke with banker and manger. She filled another claim on XX/XX/22 and was going to contact XXXX XXXX XXXX. Printed out passcodes documents and given to bank on XX/XX/22. Police report filed XX/XX/22. Received call XX/XX/22 from customer service on new claim needing more info. As of today XX/XX/22 no follow up received.

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 2022-03-08 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: TX

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-03-08 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: Lendmark Financial Services
State: VA

Complaint narrative:
I never gave any written consent to report anything on my consumer report. No consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CURO Intermediate Holdings
State: VA

Complaint narrative:
I never gave any written consent to report anything on my consumer report. No consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sklar Law LLC
State: MA

Complaint narrative:
I was a student at the XXXX XXXX in XXXX New Jersey from XX/XX/XXXX to some time in XX/XX/XXXX. Upon removing myself from the course I was told my personal loan was able to be returned to the creditor in full and I would only be responsible for the federal loan portion of {$1000.00}. The XXXX closed due to Covid 19 in XX/XX/XXXX and I am now being sued for {$5400.00} and it appears as if the personal loan was never returned like I was told it was. I cant even contact anyone associated with the XXXX because they are closed and all redirections to obtain my files are now defunct. The company who has now obtained this debt is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX BANK XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: KEYCORP
State: CT

Complaint narrative:
Key bank is accepting payments but yet reporting me late. Wheres my money going?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TX

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-03-08 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: TX

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Last month, as I was recovering from XXXX, I forgot to cancel two payments that resulted in an overdraft/NSF fee being charged by Wells Fargo XXXX When I called to ask for a refund of those fees, I initially heard the agent say {$70.00} ( which would have been the total amount that I was charged ) but I guess I misunderstood the agent because I only got a {$17.00} refund. When I called again to inquire about this, I was told because the {$17.00} was all they could do.

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 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
2 issues : 1 ) The handling my mortgage servicing transfer by BSI has resulted in untimely escrow disbursements for property tax, despite notifying them of the required payment multiple times through multiple channels. They currently hold the required funds in my impound account but are not actioning my urgent requests to ensure they pay the delinquent property tax bill per my requests. I have notified them through email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, The customer service agent has replied " We are processing your request '' or my account manager has said " I have escalated your request '' on each occasion without further providing detail when asked. I have also contacted BSI by phone on this matter weekly since XX/XX/XXXX which will show in their contact logs, including leaving messages with my account manager 's voicemail directly. I have been told it would be resolved in early XXXX ( it was not ) or advised to " keep calling back- I've escalated but there's nothing more I can do ''. The issue remains unresolved. 

2 ) My loan is eligible for a recast after 90 days of origination, which was XXXX XX/XX/XXXX. The eligibility was confirmed by my loan originator, XXXX XXXX XXXX, in XXXX. I requested a loan recast application on XX/XX/XXXX from BSI via secure messaging. I subsequently chased this due to no application arriving via follow-up emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was also calling weekly requesting this information from their contact center. Upon finally receiving the details to contact my Account Manager directly, I confirmed on XX/XX/XXXX the wire details to transfer the additional principal balance ( $ XXXX ) which I completed on that day. This was to ensure the recast would be completed and reflected on my XXXX XXXX monthly payment ( reducing this by over {$990.00} so a significant amount ). Subsequently, I have been calling twice weekly as will show in their contact logs and emailing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( the latter including their VP Client Services and Loan Manager ) to confirm the recast is completed in the timing outlined by the account manager. They have either not responded or have responded to tell me it's either 'escalated ' or 'processing for XXXX  XXXX '. It is now a week later, they have held my wired $ XXXX funds for over 4 weeks and the recast is not in effect and there is no confirmation of when this will happen. I have already incurred 2 higher monthly payments than necessary if the recast was effected when requested and eligible. I reported to the account manager and VP of Client Services and Loan Manager that I would be reporting a complaint to CFBP to which he responded " I understand if you need to file a complaint with he below listed authorities. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {XXXX now. Last week, it did not report that account or amount. I never owed a charge-off of XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc
State: GA

Complaint narrative:
Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {$XXXX} now. Last week, it did not report that account or amount. I never owed a charge-off of {XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: VA

Complaint narrative:
I, The consumer never gave any written consent to report anything on my consumer report. No consent is identity theft. Having these in accuracies has caused me to lose confidence in the banking system.

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