vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Please direct Wells Fargo to give me my portion of the XXXX  CFPB {$3.00} XXXX XXXX & the name of the law firm handling the money to send to victims of Wells Fargo Wells Fargo never offered me a Modification I submitted XXXX + modification applications. 
& kept me and my mortgage in default for XXXX  years. 
Wells Fargo has placed my mortgage payments in suspense and corporate accounts where it disappeared.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is a XXXX XXXX account on my credit report that does not belong to me. I have been disputing this with Experian for XXXX  years. When Experian calls the company, XXXX XXXX confirms that it is my account, ALTHOUGH IT IS NOT! Upon further review I realized that there are XXXX social security numbers attached to my credit report, perhaps the person whom owes the account has my same name ( I don't know but I'll give the benefit of the doubt ). I asked Experian to delete the erroneous social from my account, they claim that they did. I have called XXXX XXXX and Experian several times and I'm in a constant loop with no remedy in sight. I don't understand how or why XXXX XXXX does not ask for a social security card/proof before putting debts on credit reports. With that all of this could have been avoided. Please Help!

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive recently check my credit report in because I decided to change my life and chase my dreams and noticed a few in accuracies on my profile. Please check every piece of information and make sure its accurate and accountable in accordance with The Fair Credit Act

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 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I've been attempting to add a XXXX recipient under number XX/XX/XXXX The error message claims a different number needs to used, the number entered is already in use or in contacts, which is incorrect, number is not uses by myself or in contacts. I've called technical support number provided, XXXX XXXX XXXX XXXX several times, first rep by name of XXXX was clueless about issue, second rep tried to claim the XX/XX/XXXX attempting to add is already on XXXX profile which I believe to be bogus, a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is REFUSING to credit my credit card payment made on XX/XX/2024 of {$200.00} after receiving proof of payment from XXXX  XXXX XXXX. 

Wells Fargo REFUSED to troubleshoot the issue then played XXXX and XXXX. 

Wells Fargo REFUSED all proof of payment from 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 explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
since XXXX  months venmo customer support is fooling me around and not giving me access to my funds.they keep sending me copy paste messages that I should reply to any email that I have no longer in my inbox because I deleted it by accident! they refuse to help me add my bank account in order to withdraw my funds! its a criminal organization! they do everything so people cant access their funds! 
I dont understand why they cant just reply to my multiple support requests! 
they refuse to offer any support and keep sending me copy paste! 

Hello XXXX, XXXX here from Venmo support -- I hope this email finds you well! 

I can see that your concern is being handled by our XXXX  XXXX XXXX  through case number XXXX. 

In order to make this a smooth process, please only respond to your original email chain ( XXXX ) with following information needed and any additional questions or concerns that you may have regarding this matter. 

You can use that number to search your email for their communication. Please maintain communication only within that same email chain with anything in regard to this case. This will ensure the correct team can address your questions. 

Any new emails will create new tickets that only go to XXXX XXXX, which may delay the resolution. 

We appreciate your patience as we work through this. If you need anything else, kindly get in touch with us again. A blessed day is ahead of you! 

Best, XXXX XXXX | Venmo Support

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
violation of the following : I never permitted XXXX, Equifax, and XXXX to report any negative information on my consumer reports, nonaffiliated third party and receive any disclosures .15 U.S. Code 6801 - Protection of nonpublic personal information15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 6802 - Obligations concerning disclosures of personal information any consumer reporting agency may furnish a consumer report under the following circumstances and no other : By the written instructions of the consumer to whom it relates.

consumer ( c ) The term consumer means an individual. 
consumer reporting agency that compiles and maintains files on consumers on a nationwide basis The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling evaluating, and maintaining, to furnish consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
violation of the following : I never permitted XXXX, XXXX, and TransUnion to report any negative information on my consumer reports, nonaffiliated third party and receive any disclosures .15 U.S. Code 6801 - Protection of nonpublic personal information15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 6802 - Obligations concerning disclosures of personal information any consumer reporting agency may furnish a consumer report under the following circumstances and no other : By the written instructions of the consumer to whom it relates.

consumer ( c ) The term consumer means an individual.

consumer reporting agency that compiles and maintains files on consumers on a nationwide basis The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling evaluating, and maintaining, to furnish consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide.

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 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a transaction was made from my bank account @ XXXX, In XXXX XXXX XXXX  XXXX XXXX California XXXX It was at the XXXX XXXX XXXX ( XXXX community ) Im XXXX! I called my bank telling them it wasnt me. They said they would investigate and they got back to me saying theres nothing wrong with the transaction. And was made by me. But it wasnt. I call the entertainment owner and he wouldnt help me at all. Nothing. The bank wont give me my money back, and keep saying the transaction was made by me but it wasnt. I dont know what to do. The bank says they need proof but wont tell me what kind of proof I need and wont help me. I even got a new card issued to me, but when I got it, it wouldnt work. I could use my own new card and had to get a new one and a new pin 3 times. The bank info I am using is called chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recently obtained an Amazon XX/XX/XXXX credit card from Synchrony Bank, ending in XXXX. Because I don't like to be late on payments, I set up auto pay to be deducted from my checking account. The screen said my first payment would be deducted by XX/XX/XXXX, my due date. 
Today I logged onto my account and see that my account wasn't credited. I immediately made a payment and then called Customer " Service ''. 
XXXX told because my account has been open less than 6 months, my payment won't be applied for 20 days! That's the most ridiculous thing I've ever heard, and I BELIEVE IT TO BE FRAUDULENT. She said she would refund the late fee, but this practice should not be allowed to continue.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This morning on XX/XX/ I woke up to emails and alerts from my XXXX XXXX app for multiple charges on my credit card. I called immediately and found out someone used my current credit card and also opened up another credit card with XXXX XXXX without my knowledge ( This would also mean my social security number was also compromised ). After this criminal used my credit card for bunch of purchases, he/she funded my credit card with my XXXX checking account that was linked to my XXXX XXXX mobile app.

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 2024-01-20 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
This morning on XXXX XXXX XXXX I woke up to emails and alerts from my XXXX XXXX  app for multiple charges on my credit card. I called immediately and found out someone used my current credit card and also opened up another credit card with XXXX XXXX without my knowledge ( This would also mean my social security number was also compromised ). After this criminal used my credit card for bunch of purchases, he/she funded my credit card with my XXXX  checking account that was linked to my XXXX XXXX mobile app.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This morning on XX/XX/2024 I woke up to emails and alerts from my XXXX XXXX app for multiple charges on my credit card. I called immediately and found out someone used my current credit card and also opened up another credit card with XXXX XXXX without my knowledge ( This would also mean my social security number was also compromised ). After this criminal used my credit card for bunch of purchases, he/she funded my credit card with my XXXX  checking account that was linked to my XXXX XXXX mobile app.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/year> between XXXX and XXXX XXXX, a good friend of mine by the name of XXXX XXXX, try to send money to my active chime account in the amount of {$260.00} or XXXX problem with that was he sent the funds through phone number XXXX, which is actually my cell phone number but not the number linked to my time account. He was on aware of this and before we can clarify the error, the money was gone. He immediately called chime and told them about the mishap and so did I at the same time. He filed a dispute and I filed a dispute via XXXX. I'm guessing chime got tired of me and XXXX  asking for the whereabouts of the money so they closed both disputes and said they see no error. The number that the phones were sent to is a number that I had been trying to link to my chime account since XXXX  of last year to no avail even after providing all the documents they requested they still refused to change the number over so I was forced to have to use an alternate number. For some reason they are hanging on to that phone number but they won't log allow me to link it to my present chime account. Now the money is lost and we have no way of retrieving it and chime will not help all because I removed my direct deposit through all of the bad business that they have been doing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been contacting Experian for over a year now trying to get the bankruptcy removed they keep telling me to contact the us bankruptcy court upon contacting the us bankruptcy court they advise they do not report to the credit agencies then I advise the credit agency of this they say its XXXX XXXX  who reported the information spoke with XXXX XXXX who advised they have suppressed my information an its no longer available reach back to Experian who keep saying XXXX XXXX certified this information. I am requesting information be deleted.

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 2024-01-20 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
Credit inquiries that i did not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Credit inquiries that i did not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have wrong information on my credit account including my name phone and credit info that's in correct I have fraud stuff on there and stuff I nevered applied for as well I have inquiries that's not mines as well I have sent in info to the credit Buerus to get it removed and they nevered did need this look into to get my credit fix its really Messing up my life

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I have wrong information on my credit account including my name phone and credit info that's in correct I have fraud stuff on there and stuff I nevered applied for as well I have inquiries that's not mines as well I have sent in info to the credit Buerus to get it removed and they nevered did need this look into to get my credit fix its really Messing up my life

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SD

Complaint narrative:
XXXX XXXX I dont know how they got my information and how they think that I owe this debt? This contract looks like electronic signature?? Where is the proof and eye witness on behalf of this debt? This is not my signature and did not sign that contract. Ive never lived at that address. I lived at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. During the time frames XXXX. This is fraud and then after almost 4 years I have this third party ( who I do not know ) Fair Collection Outsourcing reporting a bad debt against me I had to find out through my credit report. Never received a call or anything. Not only did these to companies put me in financial bind but these companies are ruining my credit! I cant even find any job find new rental property or buy a car for that matter because of this issue. I demand that this creditor to be removed off of my credit report. I dont owe you any money and you need to show me proof of your investigation. It shouldnt be the other way around.

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 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

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 2024-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I bought a vehicle from caravana on XX/XX/2024. I got approved and signed all contracts and provided all necessary information and documents. 

They made me resign a contract on the XXXX of XXXX XXXX for some reason? 

They successfully took my down payment out of my bank account in the amount of {$4900.00} prior to XX/XX/2024. 

I bought an expensive full coverage insurance policy as part of the requirements of the contract. 

I was all set to pick it up in XXXX UT. Then they canceled my signed contract without giving me any notification whatsoever. 

I specifically asked them the reason and they flat out denied me a reason in an email which is against the law.

Company response to consumer: Closed with explanation