vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo atm took my money and will not refund it. Because of this, my mortgage will now overdraw and my account will be charged extra 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 2022-01-03 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
as of XX/XX/2022 Experian Credit reporting is showing fraudulent information about back owed child support. I have contacted the State of South Dakota, Wyoming, and Texas and all states show my child support as being paid in full and no delinquent payments are outstanding, nor did late payments take place as Experian is showing. When contacted I was notified that due to how Experian calculated their entries the delinquency will not be removed. This is slander and fraud. Their Fraudulent entries have affected my life due to a negative mark on my credit report. State representative from the South Dakota XXXX XXXX XXXX XXXX XXXX has also verified with me via the phone that she has full knowledge that Experian is falsely displaying delinquencies for individuals even with their records showing different.

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 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have been trying to contact someone within Citi to help me for days. I have called multiple times and no one can resolve this issue. There was a hold up on my mortgage loan and I found out last week it was because Citi has a note in an old credit card account " Account disputed by customer ''. The XXXX bureaus all said no dispute on their end. To resolve this, I have to call Citi to get those notes removed and get a letter for my mortgage lender. I can't get my loan because Citi will not help. Citi first said, even if we could give you a letter to show there's no dispute, it would take XXXX business days by mail, we can not email or fax the letter. Then Citi said they can't help at all, there is no such letter. Then Citi said their back office may be able to help get a letter emailed to me. The letter has never came and I think that Customer Service acts like they're unsure of even what I am talking about. 

I am not disputing anything and to my knowledge, I never did. Citi has my entire life on hold because of these dispute remarks in my credit report. I worked since the end of XXXX to get a home loan and found out now, unless they send proof that there is no open dispute, which they did already verify with me by phone, I can never get a mortgage loan. I needed the letter days ago and the mortgage lender is going to close my file. I can not get Citi to send anything for me to provide to my mortgage lender. Citi knows they are holding me up and keeping me from getting a mortgage refinance that would help me greatly financially and they don't even care. It's like they are doing this intentionally to be spiteful with 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 non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc.
State: MI

Complaint narrative:
I am using XXXX by Payfare as a checking account with a debit card. Their app is currently no allowing anyone to log in. They have no way to contact support outside of their app. They are denying all transactions with my debit card with an Error XXXX, meaning the card issuer is unavailable. It is unacceptable that I am locked out of all my funds with no one to contact and no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
A check bounced in one of my accounts mid XX/XX/2021. They immediately froze ALL of my accounts not just the one with the returned check. It was the first returned check in ages. I did not have a history of checks being returned. They are preventing access to my child tax credit funds. Several times I have contacted them and asked them to close all my accounts and send me a check for my available balance at the very least make my child tax credit payment available. To this date no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: Prosper Marketplace, Inc.
State: NV

Complaint narrative:
A XXXX account via Prosper Marketplace was charged-off in 2016. Prosper states on my credit report that the account was sold to a third party following the charge-off. The company that Prosper lists as the third party is different than XXXX XXXX who is the collections company purporting to collect on the same charged-off XXXX account that Prosper is reporting on my XXXX credit report. 

XXXX XXXX and Prosper XXXX are both reporting negative information for the regarding the same XXXX funded account. This is a duplicate reporting that creates an unfair negative impact from a single account. XXXX must remove the duplicate negative reporting.

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 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
This is the classic XXXX fraud that is happening everywhere. 
On Sunday afternoon, XX/XX/XXXX, I received a text using the Wells Fargo logo, stating that {$3500.00} dollars was authorized to be sent and asked if I recognized it. I texted no. After a few minutes, I received a phone call from the exact Wells Fargo number that is on the back of my Wells Fargo debit card. The person stated that my XXXX had been hacked and that I needed to send money to myself to stop the process. I followed his instructions and sent XXXX dollars to my XXXX XXXX XXXX XXXX email address ( XXXX ). I received notice in my XXXX email that I had received money. Then the person asked for other info, and I suspected fraud, so I hung up. I immediately called Wells Fargo and detailed the problem. They said they would investigate and that someone would call me on Monday. Nobody called ; after XXXX weeks, I called Wells Fargo and complained, and again, they promised me somebody would call ; nobody called. But I received an email, so I sent an email to the customer service rep, but no response. A few days later, I received notice that the case was close, for I had authorized the payment, so Wells Fargo could do nothing. 

I then notified Wells Fargo by telephone that they were violating a Federal Order, listed at https : //www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/ I have still heard nothing. I lost XXXX dollars using the XXXX app that is part of the Wells Fargo phone app. I did not authorize these funds, and Wells Fargo is violating the Federal orders by not responding and not reimbursing me the 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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We applied with our current mortgage company on XX/XX/2021 to refinance our existing loan with Newrez to reduce our current interest rate and reduce the number of months left on the loan. We provided income verification on numerous occasions signed electronically the required disclosures, completed all assigned tasks. The Underwriter continuously asked for updated income. I asked what seems to be the issue or misunderstanding of our income : Workers Compensation ( LTD ) Wages Social Security Penson income Throughout the Underwriting process, I asked why is there an issue with the income that was provided and verified by current employer along with the LTD income. Meetings were conducted with employer and Underwriter. We never received notification of the status of our refinance request, only to find out that Newrez place the refinance file as " Inactive '' without as much as a notification or determination. We were promised calls that never occurred, we have numerous emails stating that " Underwriting '' finally understood our income. It appears we are being discriminated against based upon our type of income and Newrez ' failure to provide us with a written reason for the outcome of our refinance request. 
XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: FL

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX30 days late as of XX/XX/XXXX 30 days late as ofXX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Veripro Solutions Inc.
State: MA

Complaint narrative:
In XXXX of XXXX, I found the company Veripro Solutions who held a 2nd mortgage lien on my property. This was from my original mortgage when I purchased the property in XXXX. I paid it for a few months until I was diagnosed with XXXX in XXXX. I was unable to pay both mortgages and stopped paying the 2nd mortgage after requesting.

I was never contacted by the 2nd mortgage lien holder since I stopped paying it. It has been transferred a few times since then. I entered into an agreement on XX/XX/XXXX with Veripro Solutions to pay {$250.00} per month until a Bank they suggested would refinance me to include the 2nd mortgage pay-off of $ XXXX. The process with XXXX XXXX XXXX XXXX XXXX  started in early XX/XX/XXXX and not has been stalled because Veripro Solutions can not produce the proper paperwork for the Bank 's title company so the loan can close. I have spent $ XXXX out of the closing costs to keep the rate locked in with the bank@3.25. I have called Veripro Solutions, my account rep XXXX XXXX 4 times since this process has started and he continues to tell me that the investor will not produce the paperwork the title company is requesting. I was just informed again today that the rate lock has expired and I will have to pay again to keep it at 3.25 % Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Siggi LLC
State: AL

Complaint narrative:
I took a loan of XXXX in XXXX. Allotments were taken out from my military direct deposit for XXXX $ a month until XXXX, totaling XXXX . I stoped the allotment in XXXX, they claimed that I renewed the loan. I fear they are scamming military families in need. They have no email or phone number, they have hit my credit every month. I am trying to rebuild my credit, and they are ruining my life over a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: FL

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2022-01-03 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: FL

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 160XXXX- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA

Complaint narrative:
The process started roughly 9 months when the company Cardinal Financial started contacting me to begin refinance/consolidation loan. At that time me and my wife were going thru covid-19 protocol trying to complete loan modification process with our current company. We were more than transparent about our credit and loan status thru out each and every contact from Cardinal. They informed that once i have made just XXXX on time payments that they would approve consolidation loan. We e-signed to lock in our rates right away said XXXX XXXX they sent us numerous to- do list items and XXXX XXXX constantly pushed me to pay for a appraisal to be ordered. With that being said, how can he not have final answer from underwriters until days ago?? Swearing that was all that was needed for process to close by XX/XX/2022. XXXX called us everyday until last week when the appraisal person came which cost me XXXX. XXXX then called and said bluntly that his underwriters just looked at the paperwork and the deal is dead. Told me it is what it is and that's that. I asked to speak to his supervisor he said why? He is just going to tell you the same thing he had. This unprofessional person should not be in this position. He had weeks of credit checks and all of the above to reach this decision he never said that there would be any issues at all. Then he became aggressive and completely ignorant towards me after being nothing but nice. He obviously cant do his job properly and to this day his Supervisor XXXX hasn't called either. I warn anyone not to deal with this horrible company. All i want is my refund for appraisal cost of XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021, I purchased a brand new XXXX XXXX combo from XXXX  paid for it on my Capital One credit card. The package arrived opened. The box had the tape cut and the product had finger prints on it. I took pictures before installing the product. Once the product was installed and working, I used the internet it provided to contact XXXX about the product. XXXX sells the same product, but it is open box. XXXX asked for the photos of finger prints and then denied any credit. I immediately reported the transaction to Capital One and a dispute was opened. XXXX denied the dispute. XXXX reasoning behind the denial was due to not being contacted by the customer ( me ). Capital One requested proof. On XX/XX/2021, I submitted to Capital One email records and copies of photos of the finger printed product. Capital One again denied my transaction asking for a second opinion from a professional of similar stance as XXXX. 

I did not and do not authorize the purchase of an open box product from XXXX. 

This is class warfare. XXXX is a multi-national conglomerate. Who would be considered a similar company? No one has the size or reach. The only closest company would be XXXX, another massive online retailer. As a regular citizen, it would be practically impossible to obtain a second opinion of Walmart from their legal department on their letterhead. However the evidence produced by myself, the customer, clearly proves that XXXX did know about this problem and refused to remedy the issue. Capital one is taking sides. One can presume this is due to their financial business arrangement where Capital One offers a special XXXX Credit Card. XXXX pays capital one more than I do so both parties are ignoring my evidence and protecting each other. 

XXXX lied and is stealing money from me. Capital One is refusing to protect their customer from a transaction that was not authorized. I am being discriminated against due to my financial class.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Follow up to the previous complaint. I am still on the phone with American Express and Im hyperventilating and shaking because of the harm and distress that they continue to cause me. The refuse to investigate my claims of identity theft. I opted out of phone, Mail, and email communications from them in regards to ANY DEBT. And instructed them to contact me through the consumer financial protection bureau at which they refused and sent me another email advertisement against me request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: TX

Complaint narrative:
This reporting agency received a request to suppress ALL information. The following information is to be suppressed until further notice. 

- XXXX XXXX Report - Any Address - Name or Alias - current or previous address * I requested no information be provided since I was a victim of possible identity theft and data br

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 2022-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The is an unauthorized hard inquiry on my credit report that denotes it was reported in XXXX I did not authorize this inquiry.

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 2022-01-03 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:
I have been trying to get this account completely removed for a few years from my Equifax credit report. the account listed is XXXX XXXX XXXX. the agency XXXX XXXX  has verified they been sent deletion notices to Equifax for removal of this account and here we are years later and the account is still showing on my report. ima XXXX XXXX  trying to buy my family a house in this housing market and i find it a slap in the face for this XXXX $ balance to still be sitting on my report. i have called Equifax several times and have been given nothing but a run around with having this account removed. 

the account in mention is XXXX XXXX XXXX it was last reported on XX/XX/2019 the acct number last XXXX is XXXX balance is XXXX $ paid in full just need to be removed as asked now and years ago.

Company response to consumer: Closed with explanation