vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-01 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: KS

Complaint narrative:
In XX/XX/2018, my wife and I filed for bankruptcy ChXXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: KS

Complaint narrative:
In XX/XX/2018, my wife and I filed for bankruptcy Ch-XXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.

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 2020-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
This company continues to report incorrect information to credit bureaus. I have no knowledge of this account on my credit reports. I have disputed this account multiples but I never received the proper verified documents pertaining to this alleged account. I have mailed multiple letters to this company about this account and I have had no response to the letters I've sent. I have not received any information about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: The Receivable Management Services LLC
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-11-01 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: Nelnet, Inc.
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage has put me in a trial payment period for a loan modification. My online account states that I am in a loan modification trial. I have not requested a loan modification by phone or written correspondence. I DO NOT ACCEPT THE TERMS OF THE LOAN MODIFICATION, AND I WILL NOT SIGN THE PAPERWORK, GET IT NOTARIZED, OR RETURN THE PAPERWORK. I AM REQUESTING TO BE REMOVED THE THE LOAN MODIFICATION TRIAL IMMEDIATELY. Wells Fargo has not applied 4 mortgage payments to my account. Despite the fact that I've requested a detailed explanation as to why my payments have not been applied, WFHM has not provided it. I've been told by WFHM that my statements will be adjusted after I return the loan mod paperwork. Because the payments have not been applied to my account, an overdue amount is stated. I believe WFHM is using the loan mod as an excuse to use a questionable accounting system where they apply payments when it suits them. I believe they are using the money from payments elsewhere, instead of applying them to my 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
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: NV

Complaint narrative:
I am a military spouse who accompanied my XXXX XXXX service member to our new duty station with our XXXX children. I updated my address to our current address and it indicated a fictitious fraud claim on my account. No phone call was made. No letter was sent. No email was sent. However I was blatantly lied to about having all three avenues apparently being taken by the company. Im unable to get ahold of anyone in the fraud department..been trying for over 4 days now. So there is over XXXX just sitting on a card that Im unable to use even though its rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Please see to it that the designer/tech responsible for creating the fields offers the Other problem field so that I am enabled to file a complaint related to my issue. Actually, it is NOT a complaint, but a LAWFUL DEMAND FOR A REASONABLE ACCOMMODATION FOR MY XXXX ( in comparison to the genius who designed or requested the design of this website. Please be aware that this is the potential for my government to be successfully sued for failure to make reasonable accommodations for my human conditions. Most likely though, this will be reviewed by AI and AI was NOT instructed correctly to work within the perameters of obeying all the laws regarding its treatments and considerations of interfacing with humans which are XXXX in comparison because that legal precedent has yet to be set in a court of law, but I contend that an actual human lawyer might actually read this and see that the government ( federal ) just might want to act in accordance with the mandate of the XXXX and that it would NOT be such a leap to see that an over stressed judge just might identify with the proposal of a civil human that indeed we humans are XXXX in comparison to AI and AI is failing to make reasonable accommodations for humans who interface with it! But, here is my record of this attempt to have my government make itself useful and relevant to my life which might justify the use of tax money. Furthermore, I believe that governments failure to address the real needs of the public and for it ( Federal ) government to violate itself is a behavior which nullifies itself as a sovereign government and opens it up to the civil dissoving of itself by court order, and all other governments which likewise violate there own mandates/laws when interfacing with its citizens human. Thank you for your consideration/s. I can only hope that self teaching XXXX will eventually get to this matter before hand, but whos to say.

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 2020-11-01 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/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I provided notice of a compromised XXXX account. The investigation has taken over 30 days and has not fixed the error in my report. My notices were not " frivolous or irrelevant '' ; the error is now causing hardship - AI, algorithms, and predictive analytics are biased, inaccurate and a systematic issue. My credit score goes up and down by 10+ points when I dispute out of retaliation or just plain old bias and ignorance. The investigation did not comply with the statute and CRA did not ensure the accuracy of the information transmitted for inclusion in the report. ( 15 U.S. Code 1681n. Civil liability for willful noncompliance. )

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 2020-11-01 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 XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I provided notice of a compromised XXXX account. The investigation has taken over 30 days and has not fixed the error in my report. My notices were not " frivolous or irrelevant '' ; the error is now causing hardship - AI, algorithms, and predictive analytics are biased, inaccurate and a systematic issue. My credit score goes up and down by 10+ points when I dispute out of retaliation or just plain old bias and ignorance. The investigation did not comply with the statute and CRA did not ensure the accuracy of the information transmitted for inclusion in the report. ( 15 U.S. Code 1681n. Civil liability for willful noncompliance. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/2020 I had tried to use my cash app account for the first time in months after trying to track down my unemployment it had XXXX XXXX deposited onto my account since XX/XX/XXXX from my unemployment back pay i waited almost 1 year and 2 appeals later once I logged into my account I never had a chance to use the system said my account was block out of nowhere and then it said I had to reset my pin the option wasnt giving to me reset my pin almost as if cash app had something to do with it i contacted customer service to fix my pin which is odd because u can reset it from the website so i XXXX cash support and was told i had to merge my accounts to move all of my money off because I can actually afford a real bank account now having suffering from XXXX XXXX and XXXX  for months it's hard to keep up with everything the person said to log out and once I did I instantly i got blocked and the company took so long to respond that all my money dissappeared and then my account got closed and they wont help they keep asking me for the same information over and over again I never got a chance to use not XXXX buck on my account I emailed cash support until my phone wouldn't allow me and they responded The XXXX of XXXX my whole account was XXXX and closed so now they reopened it but wont give me a refund or tell me what happen to my XXXX XXXX it's really frustrating this is not ok I'm so XXXX  that's all i have to live off the snow is coming now and I can't manage to keep warm I emailed the ftc  and XXXX  but a few news teams and it seem like no one will help me please help me time is moving and cash app is not doing anything I email them almost everyday and the scammers linked a bank to my account from XXXX XXXX XXXX to my account and I told them over and over that it isnt mine and I told cash app that it isnt my account and still nothing is being done please help I feel like just as good as dead I'm being ignored how do XXXX XXXX just get stolen and cash app just wont help respond or try to help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Due to deception the account was under litigation, settlement has been made and I have not heard anything in regards to the payoff of my loan I do fall in the time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: NC

Complaint narrative:
MY EX DAUGHTER IN LAW OPENED A CAR LOAN IN MY NAME WHEN I WAS AT THE HOSPITAL WITH A MASSIVE XXXX. NO KNOWLEDGE OF LOAN UNDER IT HIT MY CREDIT FILE, I HAVE ASKED SEVERAL TIMES FOR THE COPIES OF THE CONTRACTS THAT WERE SIGNED AT THE DEALERSHIP BUT IT SIMS THAT NO ONE CAN COME UP WITH THIS PAPERWORK. I HAVE ATTACHED A FTC REPORT, WARRANT FOR MY EX DAUGHTER IN LAWS ARRESTED, POLICE REPORT, LETTER STATING THAT THE FTC WANTS THIS ACCOUNT TAKEN OFF MY THREE CREDIT FILES. REMOVE AND BLOCK.

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 2020-11-01 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8500.00}, {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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
Consumer complaint received 2020-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
Open in the account XX/XX/2020 with US Bank after paying off a debt I owe to the bank being Ave from the worker bee Branch sure that was there that XXXX I was notified that I can open a bank with them after going to the regulations to verify that I owed with XXXX XXXX and paid off my debt I open an account deactivate my account was closed due to suspicious fraudulent activity is what they said none the less I am being told that it was a third-party investigator investigation company of some sort that I notified under eye can I open an account they took the money that I had in my account and my account has been closed after that do I have to buy money coming from this account has been closed in my name and they expect me to pay off this money

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 2020-11-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8500.00}, {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

7. XXXX XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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
Consumer complaint received 2020-11-01 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8500.00}, {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

7. XXXX XXXX  XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My ID and debit card were stolen and my account was hacked l am trying my best to resolve the issue with my back. A cashiers check was authorized and took {$5200.00}

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 2020-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/2019 i switched bank accounts and forgot i had to add my new debit card information to my credit account and missed a month and halfs time of payments. once realized i quickly resolved the issue and have been paying on time like usual ever since. i would like to have the late payment removed for my reporting history

Company response to consumer: Closed with explanation