vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2021 Experian received my certified letter regarding account # XXXX that XXXX XXXX XXXX XXXX is reporting on my credit report # XXXX. I disputed the account and asked for Experian to please verify this account and supply their methods of verification. On XX/XX/2021 Experian alerted me the dispute results were ready and that they had verified the account. 

It is stated on the Experian website that disputes take 30-45 days to fully complete the dispute process. The FCRA also says that the dispute process should take 30-45 days when properly conducted. How is it possible that Experian somehow was able to conduct a proper dispute in 7 days? Experian also failed to provide how they verified the account and the documents to support their findings.

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 2022-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I applied ( by accident, meant to check rate ) and approved for {$400.00} loan. Phone Auto filled info in. And put in wrong checking account ( transposed XXXX numbers ). My bank, XXXX XXXX XXXX XXXX, returned the funds XX/XX/XXXX in XXXX. XX/XX/XXXX call Uprova. No funds ... XX/XX/XXXX call Uprova had 3way call with MY bank confirming funds returned .... XX/XX/XXXX no funds... XX/XX/XXXX & XXXX ... No funds turned back to XXXX. Now my account is negative XXXX and rent is due, cell phone ... On XX/XX/XXXX XXXX XXXX way call with bank to confirm funds returned and gave Uprova supervisor XXXX a trace number. On XX/XX/XXXX I was told funds should be back Monday or Tuesday. .. mon they were closed... Which j didn't know .. and now here we are almost XXXX weeks after initial approval and they have no idea where the funds are. I can not get a loan bc it's active ..... I can not pay rent, bills, feed my son... Get gas to go to work... We will be living in my car!! Plus now I need a larger loan to cover NSF and such. The name and license are wrong bc it was Auto filled with my married name. I can not get a loan which I need NOW. Someone HAS TO DO SOMETHING!!!!!

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 2022-01-05 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: PA

Complaint narrative:
Unauthorized accounts have reported on my credit report as an inquire. 
Inquiry dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, 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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was checking my credit report from all three reporting agencies on XX/XX/XXXX and I saw that the US Department of Education has been furnishing my information to credit reporting agencies such as XXXX, XXXX, and Experian. This is a violation of 15USC 1681B which states that a consumer report can not be furnished unless a written instruction from the consumer ( me ) is given. I have never given written instructions and consent to the US Department of Education to furnish my information on my credit report and to the credit reporting agencies ( XXXX, XXXX, and Experian ).

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 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
We are continuing the previous case ( CFPB XXXX No : XXXX Ref : XXXX ) because the irresponsible and unprofessional response from XXXX XXXX from Customer Advocate Services Team of American Express XXXX 

After we provided the evidence from our payer 's bank, it's so ridiculous to see " There is a {$100.00} credit on XX/XX/XXXX '' as another explanation here. DOESN'T XXXX XXXX KNOW COMPANIES ' SELL SAME PRODUCTS WITH SAME PRICE? OR AMERICAN EXPRESS NEVER TOOK/PROCESSED DEPOSIT WITH SAME AMOUNT? 

We provide products/service to our patients, it's VERY NORMAL to be paid with SAME AMOUNT of check from time to time and even at the same date. And the amount of {$100.00} has been paid multiply times since we opened an account with Kabbage. 

As attached, please find three photos to support our claim for the deposit of {$100.00} paid us ON 12/2/2021 that has NOT been credited to our account due to your banking malfunction.

Photo 1. Check paid {$100.00} on XXXX XXXX, XXXX, which is the one credited on XXXX XXXX. 

Photo 2. A DIFFERENT CHECK paid {$100.00} on XXXX XXXX, XXXX but has not been credited to our account yet. This check number is XXXX and IS THE ONLY ONE we have been contacting with Kabbage. 

Photo 3. The proof shows that the payer has never received {$100.00} but Kabbage claimed that this check with # XXXX has been returned to payer 's account on XX/XX/XXXX after " Mobile Deposit Reversal '' from our Kabbagge account. 
This evidence also shows that Kabbage cashed {$100.00} on XX/XX/XXXX from payer 's account. 

So, who stole the {$100.00}???????????? 

Hope Kabbage/American Express can get someone who is capable to understand and straight this out. Otherwise, we will continue the complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: GA

Complaint narrative:
I lost my job during Covid 19 XXXX of 2020, XXXX XXXX had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!

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 2022-01-05 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: GA

Complaint narrative:
I lost my job during Covid 19 XXXX of 2020, XXXX XXXX had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lost my job during Covid 19 XXXX of 2020, XXXX XXXX had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!

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 2022-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: NJ

Complaint narrative:
On the XXXX of XXXX I consumer XXXX wrote two letters to company Arcadia Recovery Bureau to validate alleged debts of {$1400.00} and {$600.00} that appeared on my all my consumer reports certified mail via USPS tracking number XXXX XXXX XXXX XXXX XXXX. The company never replied regarding my request for validation of the alleged debt under 15 USC 1692g even after 60 days. In addition I submitted a Cease and Desist request pursuant to 15 USC 1692c ( c ) demanding that they cease all forms of communication with me through any and all mediums but yet I see that the company is reporting unvalidated negative remarks on my consumer reports. That is a form of indirect communication and they have violated my rights under the Fair Debt Collection Practices Act. 

I am attaching the letter that was sent along with the certified mail receipt to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Since XXXX when our payment amount adjusted, we have continued to receive monthly notices stating our previous month payment has been late. The most recent dated XX/XX/2021 states our XXXX payment was not received. This is not correct. We always make our payment directly from bank on or about the XXXX of every month for the coming month. For example, the current XXXX payment was received and applied on XX/XX/XXXX, but if history holds, a notice will be sent around XX/XX/XXXX stating the XXXX payment was not received. I also notice that the payment history shows a {$81.00} late fee assessment. NO PAYMENTS HAVE BEEN LATE. 
For some reason, company has my payments a month behind. For the entire period we have been serviced by Loancare, we have made the payments directly from our bank on the XXXX for the coming month, and is usually received by you around the XXXX. This is always for the coming month due date of the XXXX. I have made several requests to correct this but I still continue to receive late notices every month, and what appears to be erroneous late fees assessed. I am not late on account and there are no late fees due. Please correct this immediately and please stop sending notices on the XXXX of every month.

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 2022-01-05 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:
Fact, I the affiant is aware and have proof that Experian has and continue to violate my consumer privacy rights. I the affiant observed XXXX violations on my consumer report. Experian is and continues to be in violation of 15 U.S. Code 1681 ( A ) ( XXXX ), 15 U.S.Code 1681 ( A ) ( XXXX ), 15 USC 1692 ( D ) ( XXXX ) ( XXXX ) 15 USC 1681 ( A ). Even after being informed numerous of times that the information was incorrect and should not be on there. I have been injured numerous of times from Experians gross and negligent and willful behavior. These inquiries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and mental anguish.

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 2022-01-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: IL

Complaint narrative:
XXXX, XXXX Mortgagee got Judgment against me for RE taxes paid by them. Sheriff 's Sale set for XXXX, XXXX but cancelled by agreement for " Tax Default Repayment Plan '' booked on XXXX. Typo on doc said first payment due XXXX, 15 days before XXXX went into effect = 15 days Past Due on Day 1. I paid XXXX payment XXXX which I was told was to prepay the XXXX XXXX payment ( see their report ). I paid my next payment on XX/XX/XXXX and the first week of every month thereafter in the first week when I received my Social Security ( I am XXXX ). I called at the beginning of XXXX, XXXX and made my monthly payment by debit card. Two weeks later, I received a check back saying my loan was in default and they would not accept any future payments. I called and asked to speak with a Supervisor and was refused. Every month I had asked to have a Supervisor review my payment status but was always told no one was available. ( They say they record every call so I can back up my request ). This could all have been avoided by a simple one-sentence agreement revising the date the first payment was due. On XX/XX/XXXX, I received a notice of a Sheriff 's Sale on XX/XX/XXXX, XXXX 2 weeks notice. There was NO SUMMONS, COMPLAINT, HEARING ON JUDGMENT .based on my delinquency on payments they REFUSED to accept. Mortgagee was high bidder. I am now Objecting to court approval of the sale on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I was a victim of a XXXX scam and am now out {$2000.00} because Wells Fargo is REFUSING to help me. Therefore I am opening yet ANOTHER complaint against them since they have denied my 2 claims : XXXX and XXXX stating the XXXX transactions were processed as requested which is not true because I was SCAMMED by an imposter claiming to be a Wells Fargo employee and even calling me from the Wells Fargo customer service number. Here is the story : On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX  I received a text message from Wells Fargo fraud alerts asking if I attempted a {$2000.00} XXXX transfer. I immediately responded No ( see attached image ). Seconds later at XXXX XXXX I received a call from XXXX, which is Wells Faro customer service, so I immediately answered ( see attached call log ). The man stated he was calling from WF fraud prevention on a recorded line, sounded very legit. ( I can't remember his first name but his last name was XXXX ) He there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not authorize nor complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with MY name and MY phone number and redo the attempted transactions. He had me send myself {$1000.00}, than {$1000.00} again. Than the call dropped. Immediately I received 2 text messages from XXXX XXXX stating XXXX XXXX sent you money ( see attached image ). I immediately called Wells Fargo at the same # that called me initially XXXX and filed a fraud claim realized I had been scammed. I was sick to my stomach. Wells Fargo has since denied my claims. They told me these were " authorized '' transactions and not fraud which is 100 % false. 

After Wells Fargo has been refusing to help me and doing much research and talking with MANY colleagues I have learned that Federal Law does protect victims of this type of scam. These kind of fraudulent transactions are covered by Regulation E, and consumers SHOULD be getting refunds. Regulation E is part of the federal Electronic Fund Transfer Act which REQUIRES banks to refund consumers for fraudulent transactions on their accounts. The CFPB put out a directive in XXXX stating the law applies " IF a third party fraudulently induces a consumer into sharing account access information ''. This is when someone tricks you, WHICH IS WHAT HAPPENED TO ME. So the whole idea that treachery is involved should me I AM protected by Regulation E. 
XXXX XXXX XXXX XXXXefunded their consumers who were tricked into transferring their funds by XXXX scams so WHY CAN'T WELLS FARGO DO THE SAME??? 

I have filed a police report and WILL take legal action if Wells Fargo can't step up to protect and help an innocent 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 explanation
Consumer complaint received 2022-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was charged {$190.00} or a freezer I did not order that was delivered by XXXX to someone I do not know at an address I have never been to. I filed a notice of fraud with Bank of America but they concluded the charge was consistent with my transactions. I appealed the decision by going to the bank personally but all the manger did was call the credit card fraud line even though I provided a document showing the delivery occurred to an address amount XXXX miles from my home. It is true that I purchase merchandise from XXXX but this hardly seems like a reasonable explanation for denying a fraud claim.

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 2022-01-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
For months now, Navient has been calling this number looking for XXXX XXXX. I am XXXX XXXX. I do not do business with Navient nor have I ever done any business with Navient. I dont have any loans with Navient nor have I ever had any loans with Navient. I have asked them repeatedly to stop calling this number as they are waking me during my sleep time. I work in law enforcement and I know that their continued harassment of a third party ( which would be myself ) is illegal. Tonight, I called their number back to ask them yet again to stop calling me since I do not do business with them and they was told by the woman that took my call that the calls would continue and that she was forwarding my info on to the account manager and that they could deal with me. She also told me she was discontinuing the call when I told her I would record the call for legal purposes. Theres nothing to deal with, I DO NOT DO BUSINESS WITH NAVIENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting XXXX XXXX as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Reports : ( XXXX XXXX Date of inquiry XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery has used multiple numbers and calls multiple times a day. I have told them to stop calling. And still calls. Received a letter on XX/XX/2021 and calls everyday since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I get at least one call each day from Caller ID : Navient. Phone Number XXXX. They say I owe money and can clear my account by calling XXXX or I can sign on to Municipal Services Bureau to pay the amount owed. 
I have contacted every number and web address for them at least 3 times and told them they have the wrong person/contact info. They say it's cleared, apologize, then it starts happening again.

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