vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is my XXXX attempt to correct this matter with Wells Fargo. I have spoken to Executive Office Managers, Customer Service managers and still the matter is not being resolved and now every right I have under the FCRA is being violated by Wells Fargo. 
***** The 30 Day last posting to my personal credit report for XX/XX/2022 is INCORRECT and at this time is it demanded that this be removed in swift fashion as Wells Fargo has now taken more than 90 days with incorrect investigations that have been conducted poorly with no resolution. 

It is very simple. The person ( s ) reviewing are using the payment due date instead of the billing cycle date. BILLING CYCLE is reported to the credit agencies. Not payment Due Date. If the person reviewing this new complaint will see that payment was received before the 30th day. I have reviewed this with Customer Service who also has noted payment for XX/XX/2022 was received before the 30th day of the billing cycle and therefore the 30 day late mark on my credit report is incorrect. But the Executive office reviewers are ignoring it. 

****** Attached will be two calendars that COUNT each day. From the payment date and the billing date. For XXXX and XX/XX/2022. PLEASE. Count the days. It is a very easy process to correct this matter. 

****** I have been assigned a New Wells Fargo Case # in my recent call to the Wells Fargo XXXX  XXXX. Case # 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 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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 2022-05-20 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
complaint against Vanderbilt Mortgage. Our Mortgage with them is 23 years and 8.9 % interest. We where going to refinance with XXXX XXXX loans at 15 years and 3.8 % interest in doing so we were informed that are manufactured home had a vehicle title to it. we were not aware of this and they required us to do a conversion for real property in order to refinance the loan. my loan officer and I contacted Vanderbilt mortgage on XX/XX/2022 rep stated they would do the conversion if I requested but it would take months. After finding out that process should not take that long i called Vanderbilt back on XX/XX/2022 and asked to speak with a manager. She stated it only takes 30 days and i would need to submit a signed letter requesting the conversion. That evening i emailed the letter to the email she provided and ask that they keep me updated on the process. I received and email 2 todays later stating they had received the request and was processing it. On XX/XX/2022 i called to speak with someone to explain the process to me and to keep me informed of were we were at. Since my rate lock was to expirer on XX/XX/2022. rep stated she would forward to correct department. No return phone call. called every several times after to try and speak with some one and was told I was on the list to call back in order it was received and could take several days before they would get to me. On XX/XX/2022 i spoke with XXXX who said he was handling my conversion and that it was a the county being processed and i could call back weekly to get an update. Called back XX/XX/2022 XXXX was not available spoke with XXXX he was helpful in explaining the process to me and could not find any updates on my account. i explained I did an extension on my lock rate until XX/XX/2022. he started asking me questions to try and see were i was at. i explained no one had called me to tell me anything or ask for payment. i think you need to check into this. he did to find out the process was never started. His explanation was they had employment changes in that department and XXXX was told it was started so that what he told me instead of actually looking at my account. Then he told me my title was electronic so they would have to get that which would take 3-4 weeks. then it would go to the county and that could take 8-12 weeks so i could be looking at 11-16 weeks potentially. said he needed to send me a form to sign and send back. I explained I would sign that day and send back. After he sent me the form it needed to be notarized. In the process of doing that now. In the mean time i lost my refinance due to there negligence over and over. Because the rate lock would run out. I still don't have resolution or confidence that my conversion will happen.

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America was court ordered to reopen previously denied fraud claims, and place a provisional credit on the account if not resolved in 10 business days, and completely resolved 45 days, prohibiting them from freezing California edd cardholders accounts without warning or sufficient evidence of fraud. Two claims I had, denied ( {$300.00} & {$500.00} ), nine months later were reopened without my knowledge. ( XXXX XXXX ) They failed to place the provisional credit after 10 days, and now with 43 days into the court ordered reopening of the claims, they froze my account without warning OR explanation. So when day 45 comes and my account is frozen, I do not get the money they stole in the first place. It's the banks policy that the customer is entitled to the funds if not resolved in the specified amount of time. Today XXXX, and yesterday XXXX I spent a total of 12 hours and 39 minutes on the phone to be continuously lied to by Bank of America, who refuses to acknowledge any court orders. Please help, 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 explanation
Consumer complaint received 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, has violated my rights. 

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

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 2022-05-20 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: SC

Complaint narrative:
XXXX XXXX XXXX An Amount {$20.00} Dates XX/XX/2022 In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX An Amount {$20.00} Dates XX/XX/2022 In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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

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 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
This credit card showed up on all XXXX credit bureaus and they sent me an email message informing me that my online bill was ready to view, that is how I found out about it. I contacted them via phone and by USPS. When I spoke with a representative on the phone on XX/XX/2022 I was assured that this account would be closed and a confirmation letter was to be sent to me via USPS. I never received a confirmation. 
The credit card is a XXXX. The company information is listed below, none of my PII is included. 

Milestone Mastercard XXXX XXXX Card Services XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OR XXXX I have frozen my credit reports and established an account with identitytheft.gov where I sent them the initial letter provided by the .gov account. I have received no correspondence and no communication from this card service. I dont have the full account number, when they sent notification via email they only included the last four digits of the account number. The only charge that was on the account when I received the notification via email was for the annual fee of about {$100.00}, but I do not want this to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2022, I received a text message asking me to confirm a {$3500.00}. Zelle payment, from supposedly my XXXX XXXX bank fraud dept. When the I replied that I didnt authorize the transfer, I received a phone call supposedly from my XXXX XXXX bank. The phone number showed up on my caller ID as XXXX XXXX bank. I was then walked through instructions on how to reverse the unauthorized claims. What really happened, though, is that I transferred money directly to the criminals. Since my daily limit was set at {$1000.00}. They were not successful stealing the said {$3500.00} amount. 
As soon as I suspected something was not right I contacted my XXXX XXXX fraud dept., and filed a claim with my bank as well as with Zelle. Upon they're review they both denied my claim. Basically blaming me for being a victim of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
In approximately XXXX of 2019 I applied for a loan modification from US Bank and they denied it. If we would have been able to get a loan modification we could have rented our property until it the market increased and then sold. The property is work $ XXXX more now than it was 2 years ago. We were denied the loan modification and forced to do a short sale instead of bankruptcy due to my husbands clearance. He had been XXXX  XXXX  from the military ( job loss ) and we had to move out of state for my husband to secure employment and went from a XXXX income family to a XXXX income family since I was a real estate agent and had to start over with my business. We now have a short sale on our record, can not use our VA Loan and have to pay back $ XXXX to ever use a government loan again.

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 2022-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX, XXXX {$590.00} they reversed money to me and told me to go get a prepaid card from a store and the on XX/XX/2022 {$1100.00} was in my account and was also reversed. They also told me that I can send the money cash app, XXXX XXXX to help build my credit. They also told me that they will turn my card off. I called the company and I dont have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
My rights were violated under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXL XXXX XXXX, XXXX, VA XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXY XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXS XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: FL

Complaint narrative:
On XX/XX/2022 I filed a complaint against Experian Complaint # XXXX and XXXX Complaint XXXX XXXX Credit Bureaus regarding XXXX Acct # XXXX for it's inaccurate reporting. On XX/XX/XXXX Experian response was that the information from the Data Furnisher was accurate but I never received proof of that investigation and how that investigation was conducted. This is another FCRA violation of my consumer rights in pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy. On XX/XX/2022 XXXX contacted me with their results of their investigation and here are their results Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days.DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : Maintenance was performed on the following accounts and/or public records. XXXX XXXX DELETED '' How can Experian still report these inaccuracies and continue these gross misconduct and consumer violations? This XXXX acct # XXXX must also be deleted from my Experian report immediately. 

Thank you in advance

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 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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 2022-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Received inaccurate information on how to pay first tax bill on phone call with Nationstar Mortgage XXXX. Received delinquent notice from local tax authorities XXXX with late payment fees attached. Called Nationstar about problem. From XXXX through XXXX I talked and/or corresponded with 18 Nationstar agents XXXX this problem, some on multiple occasions. ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. In the interim, I received a notification from the local tax authorities threating to place a lien on my property and place my home up for sale. Once the escrow was paid by Nationstar some 8 months after my initial call on XXXX. Nationstar refused to reimburse me for the extra {$120.00} incurred by late fees and penalties from my escrow account. They also refused to apologize for the stress and agony incurred upon my wife and myself worrying about our home being seized by local tax authorities and damaging our credit score due to their incompetence.

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 2022-05-20 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX/XXXX  ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/22, I was a victim of identity theft / wire fraud through Citibank. They seem to neglect the fact that I didn't fall victim to a scam, I didn't authorize it whatsoever. I was part of a data breach through XXXX, and a hacker was able to get my identity by stealing the ID # on my XXXX Card. No matter how this happened it was never authorized by ME. They used a burner phone to get ahold of my phone internally. During the process I lost service, so no one could contact me at all, and I had no idea what was occurring. What did occur was that Citibank didn't lock my account, and instead they let a hacker wire out {$26000.00} of my hard earned savings. My account was completely protected through XXXX factor authentication, and still somehow Citibank refuses to give me back my hard earned {$26000.00} even though they're required to through the FDIC. They seem to think that I'll just say goodbye to my money, and that they'll get away with this. I've received now XXXX denial letters ( all with different / bogus reasons as to why I don't deserve MY money back ). I now will be serving them with a lawyer, and won't stop until I have this money back. 

How can you blame a victim of this occurring? I didn't fall victim to a scam, and I didn't fall victim to ever authorizing a hacker to wiring {$26000.00} out of my savings. Citibank doesn't like the fact that I've brought attention to the news with this, but what do you expect? This is mentally and physically draining, but I won't stop after I have my money back. XXXX months now and all I've received is denials and lies. 

Keep in mind that I didn't fall to a scam, I didn't click anything, and no matter how this occurred Citibank is required to give me my hard earned money back.

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 2022-05-20 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

Complaint narrative:
I believe that closing my paypal account is a mistake. 
I'm XXXX XXXX doing online freelancer with paypal since XX/XX/2022. My paypal account, XXXX has a stuck funds in it, amount XXXX XXXX, I wish my account be restore so that I can withdraw funds to pay bills. Thank you for helping. 

XXXX XXXX

Company response to consumer: Closed with explanation