vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I was under the impression I was paying for a new rental unit as I was trying to move out of my current renting situation and had to pay a {$500.00} security deposit to ensure that no one else took the place that we wanted to move into. So I sent {$400.00} ( XX/XX/2019 ) because my bank would only let me access {$400.00} out of the {$1000.00} checks that my boss gave me as a loan to help me move and the next day ( XX/XX/2019 ) I sent them the remaining {$100.00} I owed for the security deposit. After that I felt secure feeling that I would be able to move into this new place come the XXXX and then on that move-in day ( XX/XX/2019 ) I sent the first month rent another {$500.00} and after that was sent there was no further communication between the " landlord '' and when we showed up to move into the new place somebody else answered the door saying that they had just moved into there the week prior and it was then that I realized I have been scammed so I immediately contacted my bank and filed claims of fraud on my account and on two different occasions sat down with them in person and went over these claims and was assured that I would get my money back but that I would have to be patient and wait for the investigation to take place through the online banking division after the 10 business days, I made a phone call to find out the status on my claims which they told me had been denied because of the terms and conditions I was only one at fault for falling for the scam and authorizing the money to be sent. I got forwarded from department to department until they finally sent to me to the case management team with a new case number to hopefully reopen investigation but upon calling today ( XX/XX/2019 ), I was forwarded to another department and left on hold for over 30 minutes until the call was dropped, so I proceeded to call a number provided by consumerfinances.gov which helped me find the numbers and steps I needed to take to hopefully get help with my crisis.

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 2019-12-30 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: TX

Complaint narrative:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
I completed a mortgage with Loan Care Services LLC on XX/XX/2009. I recently needed proof of the paid off mortgage and Loan Care has no record of me, my loan number, or my SSN so I can not get the needed paperwork to complete a transaction worth $ XXXX to me. The original mortgage was for a co-op in XXXX, MA and I should have received a note of completed payment as well as my original stock certificate which Loan Care had. No one at Loan Care will help or give me any guidance on getting my information. My credit report shows the mortgage account paid off and closed by Loan Care but without the appropriate documents I can not receive the remainder of my funds from the sale of the co-op. Please help me. I have tried to hire a lawyer, with no luck.

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 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on an unknown debt in the amount of {$650.00} dated XX/XX/2016. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

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 2019-12-30 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:
XXXX XXXX XXXX is trying to collect on an unknown debt in the amount of {$650.00} dated XX/XX/2016. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: TX

Complaint narrative:
I disputed 2 items on my credit report from XXXX XXXX i sent them letters on XX/XX/2019 i asked for the original contracts with my signature on them and the amount i supposedly owed because i have not had anything from 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 2019-12-30 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: TX

Complaint narrative:
I disputed 2 items on my credit report from XXXX XXXX i sent them letters on XX/XX/2019 i asked for the original contracts with my signature on them and the amount i supposedly owed because i have not had anything from 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 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX XXXX in the amount of {$97.00} dated XX/XX/2016. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

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 2019-12-30 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: LA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days past due on XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: LA

Complaint narrative:
I've sent a letter to the credit bureau around XX/XX/30 and never received a response. I then sent another letter around XXXX and have yet to get a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of homeownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days past due on XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have been unsuccessful.

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 2019-12-30 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: LA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days past due on XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have been unsuccessful.

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 2019-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
According to the Illinois Motor Vehicle Retail installment sale act, in regualition of all federal truth and lending acts. The illinois retail installment contracts is supposed to have an aribitration clause. There is no Arbitration Clause in the contract that i signed with Bmo which constitutes this contract as one sided. I am requesting an examiner to overlook contracts submitted by BMO auto loan department. This constitutes a class action law suit on buyers behalf.

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 2019-12-30 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1400.00}

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 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Technology Federal Credit Union
State: CO

Complaint narrative:
First Tech Federal Credit Union based in Oregon is intentionally abusing my credit account. I had three loans with them : 1 ). XXXX XXXX XXXX Auto Loan. 2 ). XXXX XXXX XXXX Auto Loan and 3 ). Credit card. 

I paid off item # 1 with no problem and received the title. 

For item # 3, the credit card : After getting laid off from XXXX in XXXX, I had difficulty with the credit card payment and interest. I was able to make large payments but they kept collecting interest at over 28 %. Finally, it became late and they " charged off the account. '' They are reporting me " late '' for this account as of XX/XX/XXXX, and this " late '' account is for 30 days past due in XXXX! 
This account is in charge off but they are reporting me late. 

Item # 2, the XXXX XXXX XXXX was paid off this year but they are reporting that I owe a balance. According to my monitoring program, " XXXX XXXX '' by XXXX  XXXX, they are not reporting me current either. I have filed corrections with the bureaus and the problem still persists. 

Furthermore, First Tech Federal has not released the title for the XXXX XXXX. In sum, they are reporting the wrong balance and not reporting I paid off this loan. They are also not releasing my title. 

Overall, they have been very difficult to work with. I've sent emails to the CEO and nothing happened. Regarding the credit card, the last " program '' they offered me was to make payments. I agreed but they LOCKED me out of my account and turned off my debit card ( I used this at a co-op credit union to made payment deposits ). Their action required me to go to their branch miles away to make the payment in person. I did this for the XXXX XXXX  and paid it off, as mentioned. First Tech Federal is abusing my credit report and me and keeping my credit score artificially lower due to their lack of reporting. One last thing, they always reported me " late '' on my XXXX XXXX  each month ( when I was late ). This is proof that they know how to report monthly and this is not an oversight on their part but intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2019, I realized three large transactions to my account that I had no knowledge of. But I still had my debit card in my possession. 

The charges totaled {$1600.00}. They were two purchases of {$350.00} from XXXX and another online purchase of more than {$900.00}. 

I called the bank to file a fraud claim. The claim number is XXXX. I also informed them that I had rent due the next day, but they told me I would have to wait 10 days before receiving the money back. Because of such, my rent was past due. 

On XX/XX/2019, they credited my account the amount of {$1600.00} while they continued to research the claim. 

Then on XX/XX/2019, they let me know that they found that " one or more merchant credits posted to your account totaling {$350.00}. 

Because the merchant has credited your account, the previously issued credit for {$350.00} has been reversed. We now consider this dispute ( s ) resolved. '' Then, on XX/XX/2019, they informed me that they would be reversing the credited amount because " Our records show the transaction activity in question was authorized and posted correctly to your account. 

As a result, the credit for {$1300.00} that was previously applied to your account will be removed on XX/XX/2019. Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be removed.because these were charges that I made myself. '' I contacted them on XX/XX/2019 by phone to ask what happened. They said that it did not fit a pattern of fraudulent activity -- even though I've never used those merchants before. That in order to reopen the investigation, I needed to fax a letter. I don't have a fax machine. 

I do not know any information about the fraudulent purchases. I did not make them. I had my debit card in my possession the entire time. They not only treated me poorly XXXX like I wasn't a customer ), they did not live up to their responsibility of covering fraud.

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 monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently contacted your company about the addresses thats reporting on my credit report. The only address that I ever lived at is XXXX XXXX XXXX and all others should be removed. I keep getting letters from your company stating that I need to prove my address for them to know its me. How is this possible when I have the letters. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: FL

Complaint narrative:
Fraudulent inquires : XXXX XXXX on XX/XX/XXXX Equifax mortgage Services on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. I then sent another letter around XXXX and have yet to get a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of home ownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.

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 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: RI

Complaint narrative:
RoundPoint Mortgaging has continually mismanaged my escrow funds. 

After three months of calling them, they have still yet to pay my insurance premium on my condo. It was due XX/XX/2019 and as of XX/XX/2019 it is still unpaid ( the last day my insurance company has extended my payment window to ). 

Additionally, I sent, resent, and called to confirm that the received my property tax information. They missed the first tax payment date ( XX/XX/2019 ) and paid it finally XX/XX/2019. As of XX/XX/2019, they have still not made the second quarterly payment which was due XX/XX/2019. 

They are also maintaining that I will be charged a higher interest rate if I opt out of their escrow services.

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 2019-12-30 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: LA

Complaint narrative:
I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. I then sent another letter around XXXX and have yet to get a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of home ownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.

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