vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I opened an account in XXXX XXXX XXXX and then when I arrived in XXXX CA XXXX the money was gone. {$4200.00} USD XXXX Year XXXX. Location : XXXX CO. I opened an account and made a deposit! This is my property and land act address in XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For sale : {$410000.00} USD. XXXX is the same guy who sold me this property in the spring of XXXX! XXXX. I need to upload all the communications between me and XXXX. The check that was used to deposit money into my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For ID purposes between XX/XX/XXXX and XX/XX/XXXX. County jail number XXXX. Dismissed. XX/XX/XXXX. I deposited close to {$4200.00} USD. Half cash and half by check. When I was going to use my money in XXXX CALIFORNIA then the money in my account was no longer there! I had a XXXX XXXX  and I opened my account on the actual XXXX XXXX  from XXXX XXXX CO and half way to XXXX CA. And then I discovered my money was not in my account! 

I want my money back from WELLSFARGO! This particular branch : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXX XXXX. Questions about banking, mortgage, and investment services? Call XXXX, 24 hours a day - 7 days a week. Located in : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CO XXXX. Hours : Closed Opens XXXX Mon More hours Phone : ( XXXX ) XXXX Departments : Wells Fargo Advisors Wells Fargo ATM Wells Fargo Home Mortgage.

About your privacy. Use of this form to communicate with the Office of the Ombudsman is entirely voluntary. Any information that you provide will be used solely to analyze complaints and provide analysis and feedback to senior FDIC management. Any personal information that you may provide will not be retained by the FDIC.

FDIC 1021/01 ( 2-17 ) For questions regarding this form, email XXXX Page Updated XX/XX/XXXX FDIC Comment Form Thank you for contacting the Federal Deposit Insurance Corporation ( FDIC ) . Your information was received by the FDIC on XX/XX/XXXX Your case number is : XXXX Thank you for bringing this matter to our attention. 

For questions regarding this form, email XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Collection/Charge Off XXXX XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX {$4500.00} Late Payment XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX 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 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 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
This complaint is a follow up to a previous complaint ( XXXX ). I was reluctant to submit feedback because I want to limit my contact with that particular mortgage servicer. Their response was inadequate and insulting. This company has been the subject of many complaints regarding refunds and payouts. They also try to " stall out '' consumers by letting substantial amounts of time pass before they respond to complaints. Also, they manipulate resources like the CFPB by not disclosing information in terms of what they do to attempt to solve the situation. For example, in their response they did not disclose to that after I filed my initial complaint they sent me a refund check for {$100.00} with no explanation attached. This was to pacify me in hopes that I would give in. However, I did not cash the check and I viewed it as an insult. Furthermore, they expect their response to coincide with the CFPB policy of not doubling down on complaints.

Please accept my sincere thanks for assisting me in resolving this issue. Also, please let them ( SPS ) know that I as well as the CFPB know that when there is funds owed to the lender the amount is enclosed in parenthesis, on each document I submitted there are none. Also, please let inform them of my sincerest desire to get this resolved without legal recourse. Generation of a mutually beneficial solution with minimal parties involved would be ideal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items. 
Please conduct a comprehensive investigation and update my credit report accordingly. I expect a written response within 30 days, as stipulated by the Fair Credit Reporting Act.

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 2024-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
JPMorgan Chase bank has blocked all of my attempts to wire money from my accounts to XXXX a crypto currency investment firm. I have tried to initiate wire transfer more than XXXX times and every time they block the wire transfer stating it is as suspicious activity. They then block my entire account, and I have to go through a process to unlock the account. 

After doing so I have explained to them several times this is legitimate activity initiated by me, however subsequent attempts to wire money are flagged and blocked. This is my money, and I should be able to wire to any financial institution I want. While I understand many scams and fraudulent things are associated with crypto currency, Chase bank needs to provide customers the ability to allow this type of transaction without being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and an item continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

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 2024-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am set up with autopay for my student loans with Mohela. In XX/XX/year>, Mohela changed how they were applying my payments and instead of applying the payment across all loans, they changed it to all go to XXXX loan and are reporting the other loans as passed due. All payments were being applied correctly up until XX/XX/year>. I spoke with customer service on XX/XX/year> and was on the phone with them for over an hour. They acknowledged the error and stated they would turn it over to a supervisor. On that call I also inquired why one payment I made ( XX/XX/year> ) was not showing a

nd they said they could see it on their end, but it had not been applied to my accounts. They corrected that. They are still applying my autopayments to only one loan and are reporting the other loans as passed due. I also get letters that have different amounts due for the loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I

have identified several items on my credit report that I do not recognize and believe may result from identity theft. I did not authorize these accounts, and their presence is causing significant distress and misrepresenting my credit history. This issue has been raised previously, and I am now formally requesting the immediate removal of these unauthorized accounts from my report. The inaccuracies are severely impacting my ability to pursue essential financial goals, such as purchasing a home and providing for my family. If this matter is not resolved promptly, I am prepared to take legal action to protect my rights. Please confirm receipt of this message and provide an update on the steps being taken to address this issue. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services
State: VA

Complaint narrative:
XXXX XXXX  improperly charged off a paid off account and refuse to give proper supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-11-18 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
I Received A copy of My Credit Report I saw Accounts That Don't Suppose To Be There Please I Demand these ACCOUNTS and INQUIRIES to be REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. 
THESE ARE THE ACCOUNTS : XXXXXXXX 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 XXXXXXXX XXXX. 
Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes, 15 USC 1602 opt-out option, 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified certain item ( s ) that are incorrect : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 


4. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

In accordance with the Fair Credit Reporting Act, I am requesting a thorough investigation of these items and their subsequent removal from my credit report. It is my understanding that you will verify the accuracy of these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that according to 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter.

Furthermore, I kindly request an updated copy of my credit report to be sent to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I request that you notify any parties who have received my credit report in the past six months of any corrections made.

Additionally, according to USC 15 1681i, if any part of the investigation does not confirm the accuracy of the disputed information, you must promptly remove or correct the information and notify all parties to whom the information was reported. I also request that you provide me with the following information as required under USC 15 1681g : The source of the information in dispute. A detailed account of your reinvestigation, including all supporting documents and findings. Notice of any changes made to my credit report as a result of your investigation. Failure to comply with these legal obligations may result in me taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursuing legal remedies as provided by law. I expect your prompt and complete response within 30 days from the date of this letter, as required by law. Please send me a written confirmation of the results of your investigation. Thank you for your immediate attention to this matter. I look forward to resolving this dispute swiftly.

Thank you for your attention and assistance regarding this matter.

Sincerely, _____________________________________ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I had a credit card with BMO Harris Bank. I opened it about 5 years ago. I received a phone call from someone claiming to be from social security, threatened that I would be arrested for fraud. They instructed me to liquidate my money from my card buying XXXX XXXX gift cards to protect me. Yes, I realized this was very stupid and should have known better. After I did that, I was very stressed and went to the bank the next day to explain what happened. They said to go to the police station and make a report, which I did. I brought it back to the bank ( lady at bank told me another person came in with the same issue ). Anyway she said she would write it up but I probably would be responsible. No investigation by the bank, police, or FBI was done, which I think should have been done since they were impersonating a federal employee. I didn't know at the time this happened 5 years ago, that the bank was to do an investigation. Never heard anything about it. I had been making payments on this up until XX/XX/XXXX. This happened XX/XX/XXXX. In XX/XX/XXXX my XXXX XXXX XXXX XXXX and I no longer received alimony and my income was very low. I called BMO and explained that I would not be able to make payments for couple of months. They said I could put off paying but still had to pay hundreds in interest. I then found out that the bank was required to invest these types of scams and they never did. I had not heard of this type of scam until months later. I simply couldn't pay it and the bank refused to work with me. I got legal advice to let collection agency not to contact me about it. This has impacted my credit. I put in a dispute but nothing was resolved. I am unable to upload the letter and police report to credit agency. I think the bank should have investigated this. They and the police had the phone number of person who called. I went to XXXX XXXX and found out where the cards were used. I realized that I was XXXX  and XXXX, but I was a naive XXXX XXXX XXXX and the bank did nothing. At the very least I want this all reported to credit agencies. Up until then I was making all payments on time. I will attach the letter and police report. I would like I said this all put on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently reviewed a copy of my credit report and have noticed fraudulent accounts i did not authorize that is hurting my ability to obtain credit.

Thank you for your assistance.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently reviewed a copy of my credit report and have noticed fraudulent accounts i did not authorize that is hurting my ability to obtain credit.

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting 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: CO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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