vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I walked into a branch of Wells Fargo and attempted to withdraw cash from my checking account. I provided more than one government issued ID, scanned my debit card, confirmed my PIN, confirmed my social security number, phone number, email address, resigned the withdrawal slip, reconfirmed all of the same information with the management and they still would not give me my money. They had to call corporate and I waited for more than one hour to get my 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 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Walwick, Inc
State: WA

Complaint narrative:
I called the XXXX credit card company immediately when I found out that a credit card was issued in my name. I told them it was identity theft/ fraud which they told me they wrote down and would take care of it since it wasn't me. They said they would get rid of the card and I would not be liable cause it was fraud/identity theft. I did this about 2 months ago. They told me not to worry and that the credit card with {$5100.00} would go away cause it is fraud. I was shocked to see that they sent it to collections and on my credit reports as I had already taken care of the situation with them. They told me they reported it as fraud and I was to no longer worry about it.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-09 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: OH

Complaint narrative:
I requested validation from the bureau for the fraudulent account through the original contract. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  - XXXX XXXX Account # xxxxxxxxxxxx XXXX ; XXXX XXXX XXXX, XXXX Account # xxxxxxxx XXXX ; XXXX  XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX ; XXXX  XXXX  XXXX Account # xxxxxxxxxxxxxxxx XXXX ; XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX ; XXXX XXXX XXXX XXXX  Account # xxxxx XXXX ; XXXX XXXX XXXX XXXX Account # xxxxx XXXX ; XXXX XXXX XXXX  Account # xxxxxx XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: MD

Complaint narrative:
please see documentation for explanation of events. Please be sure that my claim is thoroughly investigated

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 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
after viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I own. DEBIT COLLECTION NAME, XXXX XXXX XXXX  ACCOUNT # XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of 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.

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my 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 2022-06-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
FAIR COLLECTIONS & OUTSOURCING, INC.has placed a negative collection item on my XXXX credit report for {$4800.00}. I have never had any contracts with Fair Collections & Out or any of their clients. FAIR COLLECTIONS & OUTSOURCING , INC. has harassed me with numerous phone calls as well as emails on a daily bases. They are reporting inaccurate information on my credit reports and have failed to validate any debts that they claim that I owe. This collection is erroneous and does not belong to me. I am requesting the immediate removal of this erroneous account which is date XX/XX/2020.

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 2022-06-09 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: VA

Complaint narrative:
I sent out letters on XX/XX/2022. 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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. 

XXXX Account, has violated my rights. 
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 non-monetary relief
Consumer complaint received 2022-06-09 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a Synchrony credit card to avail of 0 % financing at XXXX XXXX and XXXX XXXX furniture store. 
This is a store specific card. After I completed all my purchases over the course of a year, I did an account reconciliation and found out that my total charges on the account exceeded my total purchased at XXXX XXXX. I reached out to the store manager in XX/XX/XXXX and finally got confirmation from the bank on that they had XXXX charges of {$1800.00} which were in accurate and needed to be taken off the account. I have since XX/XX/XXXX reached out and followed up multiple times and am yet to see these charges credited back to my account. In my understanding of how systems works, it seems that there is no good way of accounting for these 18 month 0 % interest purchases between the store and bank. The system seems manual and error prone and I can only imagine how many other customers have had similar issues or just overcharged and not realized it. This defies any following of basic financial auditory controls to ensure accuracy of processing financial data.

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 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
to whom it may concern, im writting to you regarding a concern about my loan with Shellpoint Mortgage XXXX # XXXX. As of XX/XX/2021 Shellpoint Mortgage XXXX # XXXX requested to produce a copy of y home insurance policy to verify the policy was active and valid. The same month a copy of the policy was provided to Shellpoint Mortgage XXXX # XXXX validating the current policy. 
Now after several months i found out that Shellpoint Mortgage XXXX # XXXX placed an extra insurance on my account claiming i needed a higher coverage like marble flooring, appliances, electronics, wood flooring, etc. required by the servicer of my loan ( Shellpoint Mortgage XXXX # XXXX ) i called my insurance policy to verify if the information provided by Shellpoint Mortgage XXXX # XXXX was accurate and valid. My insurance agent told me that Shellpoint Mortgage XXXX # XXXX was misleading me to pay for an extra insurance policy that is not required. 
Now Shellpoint Mortgage XXXX # XXXX charged my account without my permission and increased my mortgage payment substantially causing a financial hardship. 
i contacted Shellpoint Mortgage XXXX # XXXX and their insurance company and they keep refusing to cancel the extra policy that Shellpoint Mortgage XXXX # XXXX placed on my account, i requested a manager and supervisors who refuse to return my call for further escalation. 
i am now very concerned because my mortgage company put me in a situation where they increased my monthly payment and putting me in a hardship. 
please help since im running out of time and will be missing my next mortgage payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The sell price for my house went from $ XXXX to $ XXXX just before close. We ended up paying taxes on the $ XXXX amount hence the overpayment. 
The bank was aware of this yet i had to call and request the overpayment. The CSR started that they wait 30 days before they disburse ... which i stated was already beyond 30 days. She took my address information and it was my understanding that a check in the correct amount would be sent to the address i just gave to her. I check on mail periodically that still goes to the house i just sold and a check was there even though I gave the CSR my new mailing address. 
The check was for {$3800.00}. There was no backup or breakdown as to how they even came to this amount. I sent them a copy of the Settlement Statement showing the amount should have been {$4500.00}. I emailed the payoff department on XX/XX/2022 informing them of the difference in payoff amount of {$710.00}. I tried to call to check on the status of my concern with no luck. The phone app didn't seem to work. I enter the information the app requested and although it's correct the app didn't recognize it and drops your call... very frustrating. 
I will attach a copy off the check they sent, the Settlement Statement they should have used to disburse and copy of the email sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I am writing to dispute the following information that appears on my credit consumer report. I received a notification from my Credit Card Company this morning that a past due payment was sent to a debt collection agency. The payment was originally owed to XXXX ( XXXX ). When I was a customer with XXXX I had automatic monthly payments set up and canceled my subscription after XXXX years. I was under the impression that the remaining balance would be automatically charged to my credit card on file, as it had been for XXXX years. It is not clear to me if XXXX did not attempt to charge my card or if they had difficulties charging my card. I did not receive any notification ( e.g., email, voicemail, text message, etc. ) from XXXX letting me know there was an issue with my account. 

XXXX sent this debt to a debt collection agency ( Southwest Credit ). I was unaware of this until I got a notification from my credit card company letting me that my credit score was impacted. I checked my records and I have only one missed call ( no message was left ) from this agency on XX/XX/2022. I reviewed my cell phone records and do not have any additional calls from this company. Further, I did not receive any other communications from this Southwest Credit ( e.g., email, voicemail, text message, letter in the mail ). Southwest Credit claims they sent a letter in the mail, but I never received any written communication, and they were unable to provide proof of delivery. 

To summarize, I was unaware that this payment was not properly processed when I cancelled my XXXX account. XXXX and Southwest Credit also did not make adequate attempts to contact me to resolve the issue. Since becoming aware of this issue, I made a full payment ( {$51.00} ) directly to XXXX. I would like to dispute the Major Derogatory Status on my credit score. I have tried to resolve this issue with the Debt Collection Agency, who refused to provide help on my case. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I noticed a new credit inquiry on my credit report. I promptly contacted NetCredit, the lender on my report, about the inquiry and stated that it was not me and that I have been victim to identity theft. NetCredit then gave me some instructions to follow up with. They asked that I provide a letter stating that I did not apply for loan and a police report of the situation within 7 days of the notification. I provided that information 3-4 days later. Since that XX/XX/XXXX date I have emailed numerous times about the status of my claim and have received nothing of any value. Generally, I will receive an email along the lines of " Fraud Dept is investigating '' with no additional information. I have tried calling customer support and have been disconnected and other times not able to reach anyone. It is nearing a month since I initially informed NetCredit of the fraud and I have not received any meaningful information regarding the status of that claim.

Company response to consumer: Closed with explanation