vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/2023, someone accessed my bank accounts with Wells Fargo. they moved XXXX from my checking account to my savings account. then somehow they set themselves up using XXXX and XXXX themselves three transactions depleting my account. i immediately called the bank and filed a fraud claim. they even told me they could see that someone was trying to access my account from New Jersey at the same time I was speaking with them My daughter was listed on my account just because after my husbands XXXX 
, i wanted her to be on there in case something happened to me. she had never accessed the account as she has her own accounts with XXXX XXXX XXXX XXXX wells Fargo said there was no fraud as someone accessed my account using her info. She has had problems with her phone she thinks through a XXXX XXXX data breach. someone must have spoofed her phone. I even went to the bank and the branch person called to file another complaint she knew i was speaking the absolute truth. My daughter never took my money nor did she give access to antione else. they have never given me anyy up addresses or anything regardless, this was money i worked for and they will not help me. i have since closed my accounts with them. im now at another institution i thought my hard earned money was safe im a XXXX and work two jobs. i feel like ive been XXXX with no one to turn to. XXXX XXXX not be much to some people but its a lot to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There were inquiries on my credit report that I did not authorize. I would like them removed within four business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: WA

Complaint narrative:
I believe my information mightve been leaked. I believe that theres information on my current report that is not correct and I just want to throw investigation to make sure that everything is accurate and up-to-date. I dont believe it is I can be reached at XXXX if theres any other questions that I need to answer or you can reach me at XXXX XXXX all lowercase. And all one word thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I believe my information mightve been leaked. I believe that theres information on my current report that is not correct and I just want to throw investigation to make sure that everything is accurate and up-to-date. I dont believe it is I can be reached at XXXX if theres any other questions that I need to answer or you can reach me at XXXX XXXX all lowercase. And all one word thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In 2016 Wells Fargo Put Pressure On Me. Threatening To Take My Home. I Was Talked Into Under Fear & Pressure To Sign Up For A New Program That Would Help Me.In Believing They Were Helping Me To Save My Home, The Program Was Called H.A.M.P Program. They Made It Worse, The Principle Amount Went Up Thousands Of Dollars. I Tried For Months Seeking Answers Why. I Was Told An Investigation Had Begun, Someone Would Contact Me. That Never Happened, Then All Was Handed Over To XXXX. XXXX Right Away I Notified XXXX.Right Away Telling Them Wells Fargo Had An Investigation In Process. Did Not Mean Nothing, Never Got An Answer. They Got Over On Me. I Know They Did, It Has Been XXXX Ever Since. How Can One Be Told Of New Program For Helping Me. In Turn, Got Worse, All The Statements Ive Read From Others Are All Negative, Wells Fargo, And XXXX. Something Is Just Plain Wrong Here. Will You Help Me Please. Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have not received a response to my previous correspondence regarding the errors or decisions that have been made on the account. Since XX/XX/2023, there have been additional changes to the account. 

For reasons unknown to me, the following decisions and errors have been made on my account : 1. Failed to reinstate the account in accordance with the HAF program.

2. Returned Txhaf payments.

3. Blocked my ability to make regular monthly payments.

4. Placed my account into a loan modification without my consent or knowledge.

5. Informed me of their intentions to accelerate the mortgage.

I don't understand why these decisions have been made. As I stated in my correspondence to PHH dated XX/XX/2023, I can afford the monthly payments. 

Additionally, due to the fact I can no longer afford to protect/defend my home ownership rights within the deed of trust against errors and mistakes made on the account. My family and I have lost peace of mind and enjoyment in our property, knowing that despite my ability to pay, PHH has refused to reinstate the mortgage without explanation since XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX, scam fraud by there own website they are deliberately not fixing my account as retaliation for complaints

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
XXXX fraudulently charged me XXXX when I canceled my account. I went round and round with : XXXX XXXX XXXX : ( XXXX ) XXXX Executive Customer Relations, Case ManageXXXX Explaining how it isn't correct. 
Sent to collections : Transworld systems XXXX They call me from this number 6 times in every 7 day period and then spoof call me XXXX more times on those same days. If you look at my call log you will see it clear as day. They are in violation of fdcpa rules for harassing me. 
I want it stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i am writing to request a correction of the following information that appears on my consumer report. i'm a victim of identity theft and i dont recognize one or more of the accounts on my report. my accounts was closed by the bank for reasons i have no idea of and had nothing to do with me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
First of all a female from this collection agency called my working pretending to be a friend. When I was at this place of employment we are not allowed personal phone calls. The operator sent the call through. At that time the female stated the name of the collection agency and stated I owed money from an ambulance bill in XXXX She then hung up. I recall being unemployed and did not have health insurance I was on Government Assistance in XXXX. I dont remember using an ambulance service in XXXX How does someone find a medical debt from XXXX? I am devastated by this. My credit report is very important to me. This collection agency has now lowered my credit report. This collection agency came out of nowhere and is trying to obtain over {$2000.00} from me! My credit report shows my XXXX score decreased XXXXXXXX XXXX due to this collection agency report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
I've just learned that XXXX XXXX XXXX has gone around my back yet again to deliver more false info, this time being my address, or XXXX associated with me to XXXX. On this alleged itemized bill that I've attached for you to view, shows an address in which I've never seen, heard of or have ever any connection with in any time or point in my life " XXXX XXXX XXXX XXXX XXXX, TX XXXX. '' I have already filed a dispute to XXXX who confirmed it false and had it deleted from my report. So far, I have had to go to each bureau and do what this " creditable '' collections company " XXXX '' said they had already done on their " Non-Monitary Releif '' statement from my first complaint # XXXX, and make sure these were deleted. XXXX out of XXXX bureaus had any idea this was even requested on their end, but another was to correct my address. Which address is my question... Chatting via CFPB complaint, they say they had my current address wrong, which I've proven that was a lie, and as far the address they reported behind my back to XXXX who posted it on my credit report that this was somehow my address on the itemized receipt. 

I've been advised to treat this as identity theft, and make a statement letting it be known, I shouldn't have to keep learning more and more fouls from a larger collection company. They are either desperate, or employ anyone to let this kind of criminal damaging actions take place. 

These accruing damages that I've endured are more than I can continue to bear. I've spent over {$1000.00} in trying to discover who this bogus info came from and how to get it removed off my credit reports. Not to mention the health conditions I've been in since my discovery of this malpractice, or the lack of sleep, work, time with family that I can not get back...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
This would be my 5th follow up letter, demanding XXXX and TransUnion to DELETE these accounts immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX  These arent mine and I dont owe them any payment. They both showed 2 different information in terms of Date Opened and Last Active. The information was incoherent, incorrect and inaccurate to me. Kindly delete them on my credit report now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
In attempt to get solar panels my credit was hurt for project that was never started. XXXX took my information and signature from original meeting and used it to add a XXXX debt to my credit. In XX/XX/2023 I canceled the project and XXXX forever told it would be taken care of. Now, earlier this in this month of XX/XX/2023, I noticed the account was still on my credit. XXXX forever claims they've done their part in canceling the project but the debt collector mosaic is telling me XXXX forever is saying they're going to continue the project even though I made it clear I did not want the project to be done. I've had multiple conversations in between XXXX and XX/XX/2023 about having this resolved and I continue to be given the run around. Therefore I am filling this consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This would be my XXXX follow up letter, demanding Experian and XXXX to DELETE these accounts immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX  These arent mine and I dont owe them any payment. They both showed 2 different information in terms of Date Opened and Last Active. The information was incoherent, incorrect and inaccurate to me. Kindly delete them on my credit report now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Acct # : XXXX XXXX # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: TX

Complaint narrative:
I called and spoke to a representative from XXXX and there was a language discrepancy it seems I tried to speak as slow as possible and explain that the address on file did not belong to me and I had originally sent in a report that I had identity theft. I expressed myself several times and asked to have my credit report mailed to the correct address that I had given the rep. I pulled the app on my phone to check my credit report and the same addresses are still on my report with an added inaccurate address. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX These adrress are not accurate and should be removed. Due to having dealt with identity theft previously there may be information being mailed to these addresses with my name on it with my personal info attached to it. Please remove My correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: MD

Complaint narrative:
I have submitted XXXX forms in their portal and called the company XXXX times telling them that my daughter is a full-time student and that my payments for the ParentPlus shall be deferred while she is in school. They confirmed that she is in school but my payments have not been paused. I had to make a payment so it would not be in default. They say that chat is available but it is never available. Wait times for calls exceed XXXX hours. I spoke with XXXX customer service reps to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquired XXXX XXXXXXXX XXXX XXXX inquired XX/XX/XXXX I have no Knowledge of these hard inquires and according to 15 U.S.C 168 1c-2 they must be remove...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: OH

Complaint narrative:
XXXX card account number XXXX balance reporting incorrectly for XXXX for Month of XX/XX/2023. However, balance is currently at a XXXX ( XXXX ) balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX card account number XXXX balance reporting incorrectly for XXXX for Month of XX/XX/2023. However, balance is currently at a XXXX ( XXXX ) balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
An XXXX XXXX XXXX  account was opened in my name, and is in Collections from XXXX XXXX XXXX for non payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation