vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc.
State: CA

Complaint narrative:
I applied for a loan in XX/XX/2021 with XXXX XXXX the loan was approved by Capital Plus Financial , LLC the lender never responded to the application. The application has been pending since. On XX/XX/2021 loan documents were sent for electronic signature, on XX/XX/2021 I received a text indicating the loan would be funded in 7-10 business day. Today on a chat I received a message that the loan would not fund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have been trying to get my score up self, XXXX XXXX, XXXX and one score was XXXX and XXXX and i checked every single day no score changed for months and in one day drops XXXX points in a single day and theres nothing to cause such a drop and my name is XXXX XXXX XXXX theres a name listed XXXX XXXX XXXX and XXXX XXXX address Ive never lived there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: TN

Complaint narrative:
I SUBMITTED MY DISPUTE BACK IN XXXX OF XX/XX/XXXX AND IT IS NOW XXXX AND EQUIFAX HAS NOT UPDATED MY REQUEST. THIS IS A PROBLEM BECAUSE I HAVE BEEN WAITING FOR 3 MONTHS FOR MY RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been trying to get my score up XXXX, XXXX XXXX, XXXX and XXXX XXXX was XXXX and XXXX and i checked every single day no score changed for months and in one day drops 890 points in a single day and theres nothing to cause such a drop and my name is XXXX XXXX XXXX theres a name listed XXXX XXXX XXXX and XXXX XXXX address Ive never lived there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
I made a payments on the Mr Copper website for XX/XX/XXXX and XX/XX/XXXX and its was reported 30 days delinquent both months. The payments are made before the end of the payment due month. I notice the payment amount had change in payment due for XX/XX/XXXX later on. I dont think that if the payment was made before the end of the month that I should be reported 30 day past due. Also, I dont believe I should be 30 day past due for XX/XX/XXXX if I made the payment on there website and the amount was for that month due was made. I believe there was a computer glitch that did not reflect the true amount due once the month amount changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPT HELVEY & ASSOCIATES XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HELVEY & ASSOCIATES XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/1995 ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Financial Services offers XXXX through their online banking services as a form of payment. On XX/XX/21, someone set-up a recipient that I did not authorize, nor did I receive an email from Wells Fargo or XXXX asking if this recipient was authorized by me. On XX/XX/21, two separate payments of {$2000.00} and {$1500.00} was sent to a XXXX XXXX. In addition, on XX/XX/21, another XXXX payment of {$500.00} was sent to XXXX XXXX. On XX/XX/21, I logged onto my Wells Fargo account and saw {$4000.00} was withdrawn from our savings account through XXXX to XXXX XXXX. I called Wells Fargo and they started a fraud investigation. I deleted XXXX XXXX from my XXXX account through Wells Fargo. After 10 days, I received a letter from Wells Fargo stating that the transfers were already approved and processed, and they were unable to stop or reverse the funds. They notified the receiving financial institution and the XXXX network about the scam and asked for the funds to be returned but there is no guarantee that we will receive the money. Wells Fargo said the claim was now closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Specialized Management Services, Inc.
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have always made ontime payments and never been late yet XXXX XXXX reported me as being 90 days late. I have never paid late and am on a forbearance plan and though they apologized and promised to get it off my record, they still have not done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have always made ontime payments and never been late yet XXXX XXXX reported me as being 90 days late. I have never paid late and am on a forbearance plan and though they apologized and promised to get it off my record, they still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal has locked my account due to questionable transactions, requires me to send certain information before my account will be unlocked. 

While this might be good security, there were only 3 small transactions during the period they are monitoring and they are all authorized by me and totally legit.

The only issue is I can not now close the account, I simply do not use it that much and I can not close it until they get the same 4 pieces of information they want me to provide. Some of this is easy enough ( photo ID - but why? ), some not so easy ( bank statement ), all of this a project I dont have time to undertake.

Meantime, they have access to my banking and credit card data, I can not make any changes.

It us nearly impossible to reach a person to speak with, but I did get an agent who said sorry spoke to a supervisor who said sorry.

I just want to close this, too hard to deal with when there is an issue.

What can I do without giving them more information than they already have?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 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: MS

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. I've sent letters asking for addresses to be removed, inaccurate late payments to be updated correctly, misleading information to be removed, original contracts to be verified by creditors that I DO NOT OWE! 
I have attached a copy of my ID, Proof of address and a copy of what was sent to all three credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently sent requests by mail for my full investigative file from TRANSUNION. My requests were repeatedly ingnored. I received credit reports in the mail dated XX/XX/21 & XX/XX/21. I specifically requested my file and stated the request should not be confused for a request for my credit report. I have sent follow up including a bill of particulars for this violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 I was notified by XXXX that my name and Social Security number were used to open a fraudulent checking account with BB & T. 

I immediately contacted the bank at this phone number ( XXXX ) XXXX. I filed a police report. I contacted the Federal Trade Commission and Social Security Agency to report the event. I was assured by BB & T that the account had been closed and that an investigation would take place.

When I started receiving paperwork from BB & T I became alarmed and called the bank again. I was reassured that the account was closed, an investigation ongoing and that whatever communication I was receiving by mail was in the pipeline prior to any measures being put in place. 

I am now in receipt of notification stating that my account is overdrawn by {$200.00} ( plus late fees ) and that if I dont cover this debt a collection agency will be retained to recover this amount. 

I have called the bank repeatedly. They refuse to give me a case number to follow progress and claim that they are backed up. 


I have written to : XXXX XXXX XXXX, XXXX, CEO BB & T XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX no answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Finance System of Richmond, Inc.
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: NY

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am XXXX XXXX the consumer defined in Truth in Lending Act as a natural person, not a dead coorporation. Wells Fargo Auto has violated numerous consumer right violations. I XXXX XXXX recently sent a cease and desist certified mail and I will attached the receipt and return receipt. They still contacted me through mediums like XXXX which is a violation of the FDCPA of my cease and desist and mail fraud. I entered in a consumer credit transaction with XXXX XXXX TX XXXX XXXX on XX/XX/2021. The attached documents will show you that I was charged a finance charge of {$5900.00} which is the sum of all charges. So I shouldn't be responsible for paying on anything other than a finance charge. Truth and lending never define what a loan is so why is Wells Fargo Auto sending me bill of costs with positive balances saying I should pay them for a loan which is also misleading information. A loan is the obligation of the United States of America. I do not pay on positive balances. A debt collector defined in FDCPA means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. FDCPA states that debt collectors can not acquire consumers location without the consumer consent. I never gave Wells Fargo my information. I gave it to XXXX XXXX TX, XXXX and not Wells Fargo Auto. Wells Fargo Auto also violated my consumer rights under FDCPA by trying to threat me to make payment or they will take my property. Wells Fargo Auto said they are not governed by the FDCPA which is false and misleading information which can result in Wells Fargo Auto Being Liable for damages. Wells Fargo Auto sending documents saying they will seizure, garnishment, attachment, or sale of any property is a FDCPA Violation that results in my remedy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check for {$390000.00} to my CHASE BANK account on XX/XX/XXXX. The check was cleared the same day ( i.e. : the funds were withdrawn from the account of the person who wrote the check ). 

It's now XX/XX/XXXX, and CHASE BANK still has {$200000.00} of the funds on hold. They temporarily released some of the money, but have closed the account without explaining why or providing access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo placed me into a Covid-19 forbearance program, with the promise to place any missed payment on the back end of the loan. Even though I was in forbearance some payments were made. The forbearance ended in XX/XX/XXXXand payments resumed. However, this past Friday ( XX/XX/XXXX) I received notice that on XX/XX/XXXX foreclosure proceedings would begin.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: FL

Complaint narrative:
I agreed to start alarm service with XXXX on XX/XX/18 for $ XXXX but received a notice/bill for {$48.00}. I never signed a contract for {$48.00} but the technician did sign my name electronically while I only signed a manual one for {$27.00}. I have a copy of both contracts. I requested to end service when I found out this happened which was within the first month as I would never do business with a company that did this - essentially they are sticking to the {$48.00} contract is valid and it is not, I only signed the {$27.00} of which they never address. Again I've never paid them anything not one month and never used their service but they have put it on my credit report. I have disputed this and with the collection company who bought this, Complete Credit Solutions who just provides the 2 credit bureaus with the fraudulent contract and rejects my dispute. I have a copy of everything, exhausted from explaining my case to XXXX, Complete Credit Solutions, submitted fraud affidavits, etc. I want it removed from my credit report and after all this hassle I'm good with suing XXXX and Complete Credit Solutions as they have very little info but a forged contract yet I have the one I actually signed and attempts to validate that have gone dismissed.

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