vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was ready to payoff my Wells Fargo XXXX on XX/XX/XXXX. I contacted Wells Fargo for a payoff balance and was informed that a payoff statement would be emailed to me. 
When the statement was not received after a few days, I contacted WF again on XXXX and this time the agent informed me that payoff statements must be mailed to the address they had on file. When I didn't receive a statement after 11 days, I called back again on XX/XX/XXXX and was told it could take up to two weeks to arrive. I called back again on XX/XX/XXXX to ask for a verbal payoff amount which wind up being a phone loop from one department to another for over two hours without the desired result. I finally decided to visit a physical local branch where the rep also had a hard time reaching someone to give him the information I was looking for. He finally called me back a couple of hours later with the payoff balance and wiring instructions. I prepared the payoff funds with my bank and immediately wired the quoted payoff using the wiring instructions the rep provided The first payoff wire attempt was made on XX/XX/XXXX for the entire quoted amount. I was informed on XX/XX/XXXX by my bank that the wire was rejected due to the wrong beneficiary account information. I called back Wells Fargo again and asked for the correct wiring information and the wire was finally accepted on XX/XX/XXXX however, my HELOC balance remained unchanged as of XX/XX/XXXX. I then received a call from Wells Fargo on XX/XX/XXXX explaining due to daily intertest accruals and penalty fees the wired amount was no longer enough to cover the payoff and that I'd need an additional $ XXXX to pay off the balance. While speaking with the and referring to my online account, I observed that Wells Fargo had changed my physical home address in New Jersey to an unfamiliar address in North Carolina. This explained why I never received my payoff statement by mail XXXX weeks earlier. I explained the seriousness of security breach to the Wells Fargo agent and asked for the extra unjustified interest and penalties to be postdated and credited to my account. She informed that the issue has been escalated to her manager and that I'll be receiving a call with a resolution by the end of day. 
It is now beyond the end of the day and I'm still stuck in this crazy endless loop of trying to payoff my daily interest accruing HELOC with a bank that has a very fragmented payoff process. Either Wells Fargo is an extremely incompetent bank or they're deliberately making it difficult to payoff loans to keep their daily interest accruals and maximize profits off the backs of the hard working middle class.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
I have been trying to work with Nations Direct to resolve my foreclosure issue but they refuse to cooperate and provide me the documents I need to apply for mortgage relief. I recieved a loan mod and they refused to take my payments, now I'm trying to apply for mortgage relief and they won't provide me with a mortgage statement and escrow payoff to apply even though I requested it in writing over 2 weeks ago. Now they scheduled a sale date even though I have a loan modification packet pending and mortgage relief pending. My counselor said this is dual tracking and illegal. I want them to send my counselor the documents requested and stop the sale so I can apply for mortgage relief and/or loan modification. they are so difficult to work with and I have been in and out of the hospital with medical issues. They refuse to work with my HUD counselor to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: CA

Complaint narrative:
I have been trying to deal with an account from a company called XXXX XXXX XXXX card  for over a year now. I have sent them multiple dispute letters AND phone calls stating that I had never opened an account with them and they are reporting a fraudulent account on my credit report. Now the account itself is not hurting me as it seems to be paid HOWEVER this account was never opened by me. I have spoken to someone from XXXX XXXX card and the person I spoke to in fraud department assured me that the account was closed and would not reflect on my credit report and here we are a year later with it showing as an open account and NOT REMOVED. I actually have a voice recording of this person at XXXX XXXX XXXX STATING THIS VERBATIM. I am beyond livid at this point. I have sent the 3 credit bureaus ( XXXX, Equifax and XXXX ) multiple disputes and they still are not help. I am working with an attorney now that is costing me XXXX  of dollars putting a class action lawsuit together but at this point I am running low on funds when this could all be resolved by just doing the right thing... NOT REPORTING A FRAUD ACCOUNT WHICH I NEVER OPENED. This is going to be the death of me. I have sent XXXX XXXX letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again this last XX/XX/XXXX. Still no one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: CA

Complaint narrative:
I have been trying to deal with an account from a company called XXXX XXXX XXXX card for over a year now. I have sent them multiple dispute letters AND phone calls stating that I had never opened an account with them and they are reporting a fraudulent account on my credit report. Now the account itself is not hurting me as it seems to be paid HOWEVER this account was never opened by me. I have spoken to someone from XXXX XXXX card and the person I spoke to in fraud department assured me that the account was closed and would not reflect on my credit report and here we are a year later with it showing as an open account and NOT REMOVED. I actually have a voice recording of this person at XXXX XXXX XXXX STATING THIS VERBATIM. I am beyond livid at this point. I have sent the 3 credit bureaus ( XXXX, XXXX and Experian ) multiple disputes and they still are not help. I am working with an attorney now that is costing me thousands of dollars putting a class action lawsuit together but at this point I am running low on funds when this could all be resolved by just doing the right thing... NOT REPORTING A FRAUD ACCOUNT WHICH I NEVER OPENED. This is going to be the death of me. I have sent XXXX XXXX letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again this last XX/XX/XXXX. Still no one can help 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 2023-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
XX/XX/2023 - made XXXX mortgage payment and attempted to schedule XXXX mortgage payment ; could not schedule XXXX payment XX/XX/2023 - scheduled XXXX mortgage payment and attempted to schedule XXXX mortgage payment ; could not schedule XXXX payment XX/XX/2023 - attempted to schedule XXXX mortgage payment, but the payment system was going to apply a late fee for {$89.00} XX/XX/2023 - I suggested to the representative that she present the issue to management, but instead she transferred me to another representative named XXXX XXXX operator ID XXXX ) who said that the system does not have the capability for me to submit the payment and that I have to wait until the month of XXXX to submit the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XXXX I was scammed out of XXXX from a online scammer and manipulated out of my money by someone claiming to a landlord I reported to my back and they reversed the charges but today they placed all the charges back to my account putting it in the negative and causing tremendous grief to my life I need help on the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MD

Complaint narrative:
I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting XXXX XXXX and equifax by phone and have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX  - I was in the process of placing an online order on XX/XX/2022, when I stepped away for a few moments to find a code for a bonus item. When I returned to my computer, the order had been processed and I was denied the opportunity to enter the code. I then called customer service to complain, and was told I could not add the bonus item, nor could I cancel my order! The person I spoke to was rude when I questioned why I could not cancel my order since I had just placed it ( within 30 minutes )? 
Comenity - XXXX XX/XX/2022, I went to Comenity online to pay the balance for the order I was forced to accept as there was no plausible way to return it without incurring more expense on my part as the order came piecemeal. I thought that my payment was accepted, however, when I noticed a few days later that I had not received a receipt via email, I went online to find that the payment had not posted. I again attempted to make the payment online and it apparently went through. Their records should show my login and attempts to process the payment well before the due date. 
on XX/XX/2022, I wrote to Comenity with my card enclosed and requested that my account be closed and I be sent a final bill. That request was ignored as well. 
I was alerted to their posting to my consumer credit account from XXXX XXXX. It appears that they refused to close my account, and instead added late payment charges and interest and then reported my account as closed in XXXX, 2022, with a balance of over {$300.00} for which they finally sent me a paper bill! I have been receiving harassing robo calls from Comenity ( sometimes 4 per day ) for months now despite having told them on the phone twice that I did not owe them anything. 
It appears that XXXX XXXX is intent on forcing customers to place orders, then has glitches in their online payment system, then proceeds to trump up late and interest charges while refusing to close the account, harassing people by telephone, and then proceeds to destroy one 's credit rating. 
As I have told them on the phone, all I want is the bogus charges and detrimental credit report removed. I will speak to a lawyer before I pay them another dime for an order I could not cancel!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Harley Davidson Financial Services Inc
State: NM

Complaint narrative:
I am 3 days late on my loan and harley Davidson financial had called me over 15 times in the past three days. H I have requested all contact to be written and mailed to me and they refuse and continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have an inquiry and a declined letter for a credit card from Chase. Inquiry was on XX/XX/. The letter received showed my maiden name XXXX which I have not used in over 10 years. I recently filed for bankruptcy and have not applied for any credit accounts. I placed a fraud alert with XXXX and will place with the other credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 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: OH

Complaint narrative:
I have no knowledge of the account from XXXX XXXX Acct # XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 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: MI

Complaint narrative:
Not investigating disputes properly believe a credit repair co was using my information to establish false identities to retrieve fraudulent goods with my information now this company has not been following the law following my disputes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revenue Cycle Associates, Inc.
State: GA

Complaint narrative:
XXXX from Revenue cycle associates contacted me on XX/XX/2023 at XXXX XXXX EST via phone and asked for XXXX XXXX. I informed her there was no one here by that name and to remove the number from her calling list. At XXXX XXXX EST she called again asking for XXXX XXXX. I asked for her contact information and was provided, XXXX, ext. XXXX. I asked for the address and name of a supervisor. She asked if this was to mail a payment for XXXX XXXX. I informed her it was not and that I had not 5 minutes prior requested she remove my number from her contact list as I dont know this person and I wanted the companys name and address since she had not done that and was continuing toco tact me. She then disconnected the call.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # # # # # # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # # # # # # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, I purchased kitchen cabinets and counter top from IKEA XXXX, using the IKEA Projekt credit card. This card is financed and handled by Comenity Bank. 
The total purchases were {$690000.00}. and charged to my card. Unfortunately, as IKEA was unable to assist in getting their affiliate to facilitate with permits for our condo, the project had to be canceled and items were promptly returned to IKEA and the refund process initiated. 
On XXXX XXXX, much to my dismay, only a partial refund was made for the cabinets in the amount of {$4900.00}. 
However, IKEA neglected to refund the counter top, which was included in the grand total. Upon realizing this error on their part, I had to be badgering IKEA XXXX to expedite the rest of the refund. After the constant back and forth they finally processed the residual refund on XXXX XXXX for {$2000.00}. 
I was in constant contact with Comenity dispute center to acknowledge and process the residual refund but they refused and is now sending me to collections. 
Please, could you help me as they are mindlessly ignoring me and wont address issues. 
Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28 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: WA

Complaint narrative:
I called to delete authorized inquiries on my credit report today XX/XX/2023. Theres 12inquiries. The rep XXXX from Experian refused to help me. The number I called for Experian was XXXX ( XXXX ) XXXX .Heres a list of the inquiries I want deleted from my report : 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