vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX, Inquired on XX/XX/2019, XX/XX/2019 XXXX Inquired onXX/XX/2019 XXXX XXXX XXXX, Inquired on XX/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 2021-03-30 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
COMENITYCAPITALXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My loan servicer ( Suntrust ) will not remove PMI from my mortgage despite my having paid over 20 % paid equity on the loan over the last 14 years. My original appraisal was $ XXXX. I put 10 % down at closing and have never missed a payment. Upon calling they quote rules from their system not available on the public internet/Suntrust site. I believe the practices by Suntrust to be unfair, underhanded, and purposely deceiving.

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
Law enforcement : WAKE UP! You are being fooled by these businesses, they laugh at your lack of proper regulation. 

THIS IS THE SECOND TIME I have to open a complaint due to an attempt to prevent me from using the card that I earned through a reward ( rebate ). 

It amazes me how law enforcement seems to be hibernating allowing business like Blackhawk Network to continue to operate. This is not a technical issue. These are difficulties created to make users unable to use the card. 

I ALREADY HAD A COMPLAINT a few months ago with a different card, and I WAS PROMISED this issue would be reviewed and fixed. NOTHING HAS BEEN DONE! 

This is an absurd. 

I received a rewards card that is valid until XX/XX/2021 ( XX/XX/2021 ). 
I tried to activate it to use, and activation failed. I tried for XXXX days, via website and calling, and it keeps telling me this card can't be activated. 

***** IT IS IMPOSSIBLE TO REACH ANYONE ***** A financial service WITH NO POSSIBILITY TO TALK TO A HUMAN BEING! HOW IS THIS LEGAL AND ALLOWED TO EXIST! 

There is no chat or email in the website XXXX XXXX XXXX 
There is no option at all in the phone system XXXX XXXX ) to talk to a person. This automated phone system is another layer of frustration because not only it never gives an option to talk to someone, but also puts you in a infinite loop. At the end it asks me to hang up. I urge you, law enforcement, to please call this number and have fun trying to contact anyone in case your card activation keeps failing - THERE IS NO ASSISTANCE AT ALL. 

HOW IS THIS POSSIBLE!!! 
HOW IS THIS ALLOWED TO EXIST!!! 

THIS IS NOT THE FIRST TIME I have trouble using a card THAT SHOULD WORK FLAWLESSLY and Blackhawk Network MAKES IT, ON PURPOSE, DIFFICULT OR IMPOSSIBLE TO USE. 

WAKE UP LAW ENFORCEMENT! 

A financial company that does not allow a customer to access the funds ( that expire by the way! ), and that does not provide ANY WAY TO TALK TO A HUMAN in case of issues. 

***** WAKE UP! ***** AGAIN : I URGE YOU TO WAKE UP FROM THIS HIBERNATION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts Ive found on my credit report it cause me stress. Its almost 30 days now but I haven't received any response. I demand to DELETE asap or I will file Litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIED MORTGAGE GROUP
State: SC

Complaint narrative:
On XX/XX/2021 Allied Mortgage was notified by me by phone that my property taxes on my house were not paid via my escrow account. These taxes were due on XX/XX/2021. After multiple phone calls and repeated attempts these taxes still have not been paid as of XX/XX/2021.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Bliksum, LLC
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019, XX/XX/2019XXXX XXXX XXXX Inquired on XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: AR

Complaint narrative:
On XXXX i was contacted by Loan Depot coercing me into refinacing my then va mortgage with XXXX XXXX XXXX XXXX I reluctantly agreed to refinace with a closing date of XXXX. On XXXX my wife suffered a catastrophic XXXX and entered a XXXX facility on XXXX. This involved medicaid which among there rules is one home. I needed to scale down finacially, medically and mentally. My home was put on the market. I had a buyer and a closing date of XXXX. I used my life saving to by a small 2 bedroom mobile home on XXXX. I completely moved. On XXXX my real estate agent informed me there was a lien on the home and had a unmarketable title/deed. This lien had been on file since 2012. Unknown to me at all. How did Loan Depot refinace my home when there was a lien on it filed in circuit court in XX/XX/XXXX? They never disclosed it to me at anytime. Loan Depot then transferred the debt to my current mortgager XXXX loan services. Again no mention of a lien or unmarketable deed. This illegal activity on there part has cost me my life savings as well as what was left of my health. I am still in the home i had sold and even lost the sell even though after all this i couldnt afford closing cost again anyway. Please help me understand why and how this happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
As per my telephone call from the Wells Fargo Customer Assistance Group on XX/XX/XXXX ), Wells Fargo needs more time ( an additional 2 weeks ) to research my issue. Wells Fargo has not requested any financial documentation from me, so I am not sure how they can conduct their risk management research. I am a XXXX old, XXXX male who owns a $ XXXX HELOC ( with a $ XXXX balance ) with an end of draw date of XX/XX/XXXX, and maturity date of XXXX/XXXX/XXXX. The collateral is my primary residence conservatively valued at $ XXXX with a $ XXXX mortgage balance being serviced by XXXX and held by XXXX ( $ XXXX XXXX ARM mortgage originated by XXXX in XXXX ). As evidence by the 3-bureau credit reports I have provided, my financial situation has not changed. I have done my own research into this matter and I believe two ( 2 ), five ( 5 ) minute phone calls may help clarify the issue. I estimate that these answers can be obtained by the end of this week. 

Please provide a simple YES or NO to the four ( 4 ) questions, I have posed below. 

1. I believe that my HELOC may be inadvertently frozen using a computer code starting/containing BSA. Please call the Wells Fargo Accounts hold helpline at XXXX and confirm the usage of this code to identify my account with Mr. XXXX XXXX. 
2. Please contact XXXX XXXX XXXX ( Senior Executive Vice President, Chief Auditor Wells Fargo & Company ) and confirm that this code is used in Wells Fargos BSA/AML compliance program per XXXX XXXX regulatory requirements for the Customer Identification Program ( CIP ). 
3. This enabled Wells Fargo to send me 30-day written notice to force me to close all my checking, savings, and money market, and investment accounts. 
4. The actions and conditions above prevent me from working face-to-face with my local Wells Fargo branch manager to directly advocate on my behalf to find out the cause of Wells Fargos actions and determine what information is needed by Wells Fargo to quickly resolve this matter. Instead, institutional barriers have been put in place to prevent prompt and transparent communication.

The conduct I have described above could be perceived as Wells Fargo running afoul of OCC and CFPB rule making : Equal Credit Opportunity Act ( ECOA ), Fair Housing ( FH ) Act, the CFPB Fair Lending guidelines, and the OCC Interagency Guidance of Home Equity Lines of Credit Nearing Their End-of-Draw Periods ( XX/XX/XXXX ) I look forward to hearing Wells Fargos clear answers to the questions above. 

Regards, 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 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAM National Arbitration and Mediation
State: TX

Complaint narrative:
Company called ADR called my husband, claiming he has a XXXX debt that needs to be taken care of. Said that it had to be taken care of right then, or he would be taken to court. No notification or prior notice had been sent by this company. They called my phone the following day, and then refused to speak to me because I am the wife, and not the debt holder. After multiple times of being hung up on by the lady who spoke with my husband  and her supervisor, he finally explained to me. Claimed it was a debt from 2002, almost 20 years ago. Said I had to pay at least XXXX TODAY, or a judgement  would be filed against us. He was extremely rude ( I was not nice back ), telling me that he was XXXX, and I would not talk to him in that way, that I needed to respect my elders. He called me a XXXX, because he cut me off before I had a chance to explain what I was saying. I was driving and taking my mom  to a doctor 's appointment and he told me I was making excuses to not pay. It was an overall horrible conversation, and I can't find anything legit about this company. They've called from multiple numbers, and none of the numbers bring any information up.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XXXX, I sent a debt validation to Midland Credit Management asking them to validate a debt they say I owe. I also sent a follow up letter reminding them that they have not answered the original request. As of today, they still have not validated the debt. Documents of the correspondence are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MD

Complaint narrative:
I sent letters to all XXXX credit bureaus to dispute items. I have not heard back from them. it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Inquired onXX/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 2021-03-30 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: Credit Plus Inc
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CO

Complaint narrative:
My vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX in Colorado. Balance written off in the amount of {$9200.00}. In XX/XX/XXXX, XXXX XXXX XXXX XXXX  received {$3200.00} from XXXX XXXX for a hail damage claim for said vehicle, which should have left a balance owed of {$6000.00}. The vehicle was a XXXX XXXX XXXX and worth approximately {$6000.00}. I spoke to an agent for XXXX XXXX XXXX XXXX in XX/XX/XXXX who informed me about the sale of the vehicle. XXXX XXXX gave away the vehicle at a dealer 's auction for only {$800.00} in approximately XXXX or XX/XX/XXXX, and is claiming a deficiency of {$7100.00}. In XX/XX/XXXX, XXXX XXXX was willing to accept {$1500.00} as settlement of the " deficiency '' with payments of {$25.00} per month at that time, but I questioned the unreasonably low sale of the vehicle at that time. The sale of the vehicle was not commercially reasonable. On XX/XX/XXXX, via certified mail, I requested proof that the notices required under XXXX XXXX, XXXX, XXXX and XXXX were properly and timely given. XXXX XXXX received and signed for my certified letter on XX/XX/XXXX, and had XXXX  days to respond. XXXX XXXX  did not respond. XXXX  XXXX XXXX XXXX can not claim a deficiency unless all notices were properly and timely given and all allowable redemption and cure time limits were adhered to. I then wrote to Experian, XXXX  and XXXX  on XX/XX/XXXX, via certified mail. I requested that I be provided the name of anyone with whom they spoke at XXXX XXXX XXXX XXXX during any investigation into the above matter. Experian has responded with generic information about the dispute being " complete '' and only reaffirmed the same information being reported by XXXX XXXX XXXX XXXX. XXXX XXXX has reported for XXXX  months XXXX since XXXX ) that the account was charged off claiming a balance of {$7100.00}. If XXXX XXXX did not realize they gave away the collateral on their own loan at that time when settlement was offered at {$1500.00} in XX/XX/XXXX, then why make the offer? However, XXXX XXXX has continued to verify the amount due of {$7100.00} which can not be substantiated. No notices were given to me. The sale of the vehicle was not commercially reasonable. I am requesting the account be completely removed from 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