vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX XXXX XXXX XXXX gave me a loan for my mortgage. In XXXX XXXX XXXX also sold my loan to Wells Fargo and it's been with Wells Fargo since XXXX. 

XX/XX/XXXX I received a letter from an attorney representing XXXX XXXX, saying that Wells Fargo had demanded XXXX XXXX buy back the loan at the current balance. XXXX XXXX, therefore demanded that I pay the remaining balance in full which is currently XXXX and that I pay it in full in XXXX  days of the notice. Or my house would be foreclosed upon and sold. 

I reached out to the attorney for XXXX XXXX for further explanation on three occasions but received no responses. I reached out to Wells Fargo, and the first time their representative investigated my account, they confirmed my loan was current, no late payments had ever been made. They told me to ignore it. A loan that is current, can not be foreclosed on. Even though XXXX XXXX had threatened it. 

After not hearing from XXXX XXXX attorney, I reached out to Wells again a second time. This time, they issued a case number and told me that someone would investigate it further, because nobody had ever heard of a bank selling back a loan that is current back to the original lender after XXXX years. 

After not hearing from the attorney, I went on to XXXX XXXX website and contacted several email addresses, until I got a response from somebody. They told me that XXXX XXXX messed up by not reporting something correctly and to fix it they needed to run a credit report. I asked them not to. They said OK they would not, that they would use the old credit report used when I obtained loan. But a day later, I received several notices, that my social was run for inquiry, and have been getting calls non-stop. XXXX XXXX said that it was an error, and they didnt mean to run report but the damage was done. 

After also hearing back from Well, they advised that they actually had notified XXXX XXXX, that they were supposed to buy back my loan on XXXX. But no explanation as to why I was not notified first to try and save my house. Their only concern was that I continue to make payments until they sell the mortgage. 

So, to start off, not sure if I found out by mistake early. It almost seems like I intentionally was kept in the dark so I would not have time to be able to save my house. Second if I am current with my mortgage, can a bank really foreclose on my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: GA

Complaint narrative:
These are following acts that violate the constitutional rights, U.S. 1581 **Inquiries- XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX *** Derogatory account information XXXXXXXX XXXX XXXX -Opened XXXX ( XXXX XXXX XXXX XXXX XXXX -Opened XX/XX/2023 ( XXXX credit limit ) XXXX XXXX XXXX XXXX - Opened XX/XX/2023 ( XXXX $ )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: AL

Complaint narrative:
Unauthorized inquiries on my consumer reports : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX ( XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/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 2023-07-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Unauthorized inquiries on my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: VA

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
A letter dated XXXX  came in the mail on XXXX 

I wrote a Validation Dispute Letter dated XXXX and sent it to the email on the letter ; company did not respond. 

On XX/XX/XXXX I sent a follow up email in the same email chain. Company did not respond. 

On XX/XX/XXXX I sent another follow up email in the same email chain. Company did not respond. 

On XX/XX/XXXX Again I sent a follow up email in the same email chain. Company did not respond. 

On XX/XX/XXXX I sent my last email correspondence. 

I also sent 3 letters to the 3 addresses listed for the company on the form ( intentionally super confusing ) + 1 certified letter to the apparent po box .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested a copy of my credit report from TransUnion and found many errors and misrepresentation of my true credit report. I have requested for these derogatory information to be removed from my credit report. There's approximately 56 account inquires which shows TransUnion did not follow there own procedures. However, they claimed to use a third party to verify my information instead of contacting me. I believe TransUnion failed to use ID.me for third party verification. If they did there's no evidence of who they used as a third party without notifying the actual consumer. I have reported several times to all three bureau of my identity being stolen. I even submitted letters from other establishment stating my identity was stolen. I have asked to have my US Dept of Education information to be removed and it still appears on my credit report that my accounts are in collection. Which is not true. I am XXXX and those accounts are closed. I would like for all these derogatory information to be removed immediately from my permanent credit report. In-order to savage my credit rating and clear my credit history with unwanted information using the U.S. 15 Code 1681c-2 Block of Information resulting from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I opened a checking account with Chime in XX/XX/XXXX. I used this checking account without any problems or issues for about 3 years and 4 months. 

My checking account was forcibly closed by Chime on XX/XX/XXXX. I received the following email message from Chime on XXXX  : " your account is not in compliance with its internal policies and the member agreement executed at enrollment The account was closed on XX/XX/XXXX. If there is any account balance due to you, a check will be mailed to the address on file within 30 days '' I do not know which Chime " internal policies '' I did not comply with, but my primary concern is they promised to send the balance of the funds in my checking account to me, " within 30 days '', so that I could deposit my money into another bank. My checking account balance as of XX/XX/XXXX is {$11000.00}. 

I should have received my funds no later than XX/XX/XXXX. But despite my repeated requests, and sending over a dozen emails to Chime, and making countless phone calls to their customer service, I still have not received my money from Chime. 

I need the help of the CFPB to get Chime to send me my {$11000.00} as soon as possible. As of today, they have illegally held my money for 223 days since XX/XX/XXXX. Pleae see the attached emails that I have been sending to Chime, and the replies I have received from Chime since XXXX XXXX 

As you can see, they are deliberately stalling and procrastinating, and coming up with excuses not to send my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The information on my credit report from this company is misplace and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: VA

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX  Inquired on XX/XX/XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: TN

Complaint narrative:
I owe a debt to my old university of a few XXXX dollars, basically for the past 2 years Ive been called non stop it used to be once a month then once a week then daily now its 2-3 times a day, Ive paid some of it before but I dont even see the debt on my credit report and its supposedly in collections Ive told them I just cant afford to pay on it at the moment but its just constant with these people calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NV

Complaint narrative:
I have experienced identity victimization as my information was utilized without my consent, which constitutes a violation under 15 USC 1681b regarding permissible purpose. I never provided written consent for anyone to furnish any details on my consumer report. I insist on the immediate deletion of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: OR

Complaint narrative:
I am a victim of XXXX XXXX XXXX, and I need you to remove the Discover Credit card from my credit report please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account was closed apparently because I did not make a payment. XXXX told me that I did not make a payment in XXXX and that the account was closed in XXXX. I double checked my records last payment made was XX/XX/2021 for XXXX dollars. XXXX also mention I had not made a payment for the months of XXXX, XXXX, XXXX of 2021 but the statement was XXXX for those XXXX months. Another thing I can not accces staments for that credit card and Banks are supposed to withhold records for 5 years. Wells Fargo also messed up my credit by closing this account my oldest account. I was a loyal customer but constant mis treatment by the company has led me to file this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NJ

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: MI

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$9100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$9000.00} XXXX XXXX XX/XX/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 2023-07-19 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: MI

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$9100.0XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$9000.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS RELIABLE LENDING LLC
State: FL

Complaint narrative:
I unfortunately apply for a mortgage with the horrible loan officer XXXX XXXX XXXX XXXX Branch Manager XXXX # XXXX XXXX XXXX XXXX XXXX https : //nrlmortgage.com/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX This man should be investigated he sent me by regular email all my confidential documents including my bank accounts statements without my consent after I uploaded them to his portal, there was no need to put my confidential info at risk of online hackers and now all that info is in danger and I will have to change accounts, he is extremely rude and irresponsible and this type of unethical behavior shouldnt be allowed. Here I attached his rude comments even laughed. 
Please investigate and stop this type of unprofessional behavior. I will regret all my life applying with such an irresponsible and unethical lender. Any help will be appreciated.

Company response to consumer: Closed with monetary relief