vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo has been in contact with me and my ex husband XXXX XXXX regarding loan modification paperwork for the past XXXX months. They have contacted on a couple of occasions stating that they would send me loan modification paperwork to my current address which I provided them. Most recently regarding the loan modification they contacted me on XX/XX/2021 requesting my drivers license as proof of my current last name so that they could change my name on the loan and send me paperwork to my address regarding the loan modification. I never received paperwork at anytime with regard to loan modification and in fact at the date of the conversation on XX/XX/2021 the loan modification had already been processed. I am still on the loan and they have processed the modification by XXXX XXXX simply crossing my name off the paperwork. I have contacted Wells Fargo about the error and their company misleading me about the process and steps that were taken when speaking with me. I requested that they send me all documents regarding the loan modification that were signed immediately before anything is redacted or changed and that there be a flag on the account so further changes can not be made to put me at a disadvantage or further process the paperwork. Wells Fargo stated that they could not send me the loan modification paperwork and did not state that they would place any flag on the account or take any immediate action on the individuals within Wells Fargo that processed this. At this juncture I need to know what next steps can be taken as they willfully deceived me and still are not sending me paperwork for the account I am listed on.

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 2021-11-24 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: GA

Complaint narrative:
I submitted my FTC fraud report, FTC report # XXXX to Experian on XX/XX/2021. I called Experian on Monday XXXX XXXX spoke with XXXX, XXXX employee of Experian.I proceeded to ask her did they receive my FTC Report.She confirmed she did receive it. I then stated that pursuant to 15 USC 1681 C-2a, once the report was furnished to them it has to be removed from my credit report within XXXX days.Once I stated the LAW to XXXX, she told me the FTC report wasnt real and I need to file a dispute with them. I Requested a manager, and was denied, and then told the manager would tell me the same thing. I stated the law and requested to have the fraud removed, She once again denied my Demand after again giving me confirmation of the receiving of the report of the fraudulent account from XXXX. They are in Direct violation of 15 USC 1681 C-2a, which States the following : 15 U.S. Code 1681c2a - Block of information resulting from identity theft U.S. Code Notes ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2021-11-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I didnt authorize the inquiry from Bank of America . They pulled my report an I was never there or authorize a inquiry. My brother was at bank trying to open business account. Never did they ask him about running my credit.

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 2021-11-24 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 am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the reporting agency ( Equifax ) a fax containing my FTC reports on XXXX. I called the reporting agency on XXXX to confirm that theyve received my faxed documents which contained all three ( 3 ) of my FTC reports. During my call with the reporting agency, I spoke to XXXX ( supervisor in the fraud department ) and he provided his employee ID # : XXXX. XXXX confirmed that my faxed documents containing all three ( 3 ) of my FTC reports were received on XXXX. XXXX also informed me that the reporting agency deemed my FTC reports invalid. I asked why were my FTC reports deemed invalid. His response was, because there are more than XXXX ( XXXX ) accounts being reporting on my FTC report. I then, notified XXXX that those findings are incorrect, because all three ( 3 ) of my FTC reports have XXXX accounts or fewer on each of them as I described below : FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX  XXXX XXXX accounts, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX SERVICES accounts. 
FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX FUNDING accounts, and XXXX ( XXXX XXXX XXXX XXXX  accounts. 
and finally, FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX account, XXXX ( XXXX ) XXXX XXXX account, XXXX ( XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX XXXX account. 

XXXX ignored what I was telling him and chose not to investigate the problem any further. I do not agree with the reporting agency decision/ findings as it is deemed inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: NH

Complaint narrative:
I had a XXXX XXXX  XXXX credit card for a few years. At the beginning of XXXX, due to XXXX, I fell a few months behind on my payments. XXXX XXXXXXXX XXXX offered me a settlement to settle my debt for less than I owed, which I accepted. Before my next settlment payment was due, my financial situation improved due to XXXX and offices opening back up remotely. 
I contacted XXXX  XXXX XXXX and asked if I could get out of the settlement agreement and pay them the full amount i owed. I did not want a " settled for less '' on my credit report and I was now in a position to pay the full debt as agreed upon. I was ASSURED on numerous recorded phone calls that this was an option, and that I had successfully exited the settlment agreement and that I could pay down my card balance monthly per normal. I was also ASSURED the account would not be charged off. 
I asked multiple phone reps to make notes on my account, and confirmed multiple times that our calls were being recorded. Shortly after this resolution, XXXX XXXXXXXX XXXX continued to charge off my account for not meeting the terms of the settlment. 
I have been in contact with them and multiple escalation managers have reviewed the recorded phone calls. These escalation managers, as well as XXXX 's legal team, confirmed I was repeatedly given misinformation on the recorded line that lead to the charge off. 
Despite their admission and error, they refuse to remove the charge off from my account even though I have offered to paid the debt in full. 
This account should have never been charged off. If I had been given accurate information, I could have paid off the debt in full at that time. I was specifically told that I'd be able to go back to making monthly payments, that I had successfully excited the settlement agreement and that my account would NOT be charged off. 
XXXX XXXX XXXX gave me numerous pieces of bad information on recorded lines that lead to this, and numerous REPs for XXXX have admitted/verified this information. 
The charge off is significantly hurting my credit score and my ability to get credit fro other agencies and I want to sue them for the harm they have done.

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 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Today, XX/XX/2021, I received a credit card from Citibank that I DID NOT apply for. I called XXXX numbers associated with the card, both are automated systems and want the last XXXX digits of the card to continue the call. I do not want the card and fear entering the digits will activate the account. I wish I had never received the card and have no intention of activating the card. I wish there was a way to contact a live human being at Citibank. 
In short, my complaints are : 1 ) receiving an unsolicited credit card 2 ) no direct means of contacting the issuer ( Citibank )

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/XXXX, XXXX I had credit freezes with all three Credit Reporting Agencies in place since as an XXXX XXXX XXXX I don't normally apply for any new credit. I was switching XXXX service providers and they needed to run a credit check. 
When I tried to sign on with each Credit Agency they made me change my existing passwords ; then they each steered me to a website page that tried to upsell me to a higher level of constant credit monitoring. Nowhere on the page was there a box for freezing or unfreezing my account, nor was there a query search box available. 

Finally, I did an internet search and saw that XXXX Bank had information on how to lift a freeze with credit agencies and provided links. I was able to temporarily lift the freezes with XXXX and XXXX. Equifax was the worst. They couldn't identify my account using my user name or email address, gave me a phone number, where a computer asked me a dozen related, multiple choice credit usage questions. Then the computer said I would have to mail in or fax the request for a temporary unfreeze. 

Total time, over XXXX hours and still don't have the temp unfreeze from Equifax. 

By placing an upsell page 1st on their website, I am sure many inadvertently are signed up for their more expensive services. The FREE services should be prominently shown on all their web pages and the Freezing, Unfreezing service easily found. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
Dear collection agent, I noticed a negative reporting on my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your crediting reporting does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission toXXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this XXXX complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. There are still remaining Inquiries that are reported to my Credit Report. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX creditor failed to acknowledge by proof of documentation that debt was paid for even tho a letter was provided, XXXX. Experian failed to report a credit that had been reporting to them on my bureau, i was told by rep that it would be fixed in XXXX day. the credit card XXXX XXXX XXXX told me they have been reporting debt for the last XXXX months Experian has faile to report this creditor and i gave them the transaction number and they failed to update info

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 2021-11-24 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: MD

Complaint narrative:
I sent in my complaint to Equifax XX/XX/2021. Equifax signed for my complaint XX/XX/2021. By law, theyre given XXXX business days to block the fraudulent information resulting from identity theft. 

Today at XXXX I called Equifax and Ive spoke with a manager named XXXX at Equifax XXXX XXXX XXXX, located in XXXX, GA badge # XXXX. He informed me Equifax does not have to block fraudulent information unless they're provided XXXX pieces of information from the consumer. 
XXXX. Social Security card XXXX. Drivers license XXXX. Proof of address XXXX. XXXX Report XXXX. XXXX from the consumer The law states otherwise. XXXX XXXX XXXX state only numbers XXXX is needed. 
XXXX. Drivers license XXXX. Proof of address XXXX. XXXX Report XXXX. XXXX from the consumer I asked XXXX where I can find this information in which he told me, and he stated '' the information is internal here at Equifax ''. Being as so, me as a consumer would never have access to this information being that I'm not an internal party to Equifax. I can only go off the laws set in place to protect the consumer, which Equifax seems to contradict. 

Equifax has come up with their own rules in the procedure to block information resulting from identity theft and it is contradicting the law XXXX XXXX XXXX. 

On top of that It has now been over XXXX days, and I have not received any response form Equifax in regard to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of Avant and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. My account with Avant began in XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with Avant. However, in XXXX I fell on hard times due to being very ill as a result I became late in my payments. I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following those personal emergencies, Ive worked hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We were notified by email from Wells Fargo Bank that our address had been changed per a USPS change of address request. We called them to say we did not change our address and that it should be changed back immediately. In the interim, an attempt was made to add our Wells Fargo credit card to  an unknown XXXX user 's device ; fortunately, that charge did not go through. We asked Wells Fargo why they would change our address without our authorization and they said that they rely on USPS change of address requests to do so. We complained about this and they agreed to elevate our concerns to their " Executive '' department ; we received a letter basically reiterating their practice of such updates and apologizing " for any inconvenience. '' We contacted USPS and there is no record of any change of address being made - their fraud department is running its own investigation. The question is how could Wells Fargo make a change with no change of address existing? We have written them another letter asking them the same question but doubt it will elicit any different response. We are forwarding our concerns to you as we question this practice - in today 's age of identity theft, it seems like a very unsafe thing to do for a banking institution meant to safeguard our monies.

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 2021-11-24 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please resolve this issue ASAP

Company response to consumer: Closed with explanation