vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was trying to refinance my home today XX/XX/2021 and according to my scores on XXXX  and XXXX is at XXXX but Wellsfargo states that my XXXXredit score is at XXXX : XXXX XXXX : XXXX how can that be fixed I contact both agencies and both have me at XXXX i dont understand how Wellsfargo is getting that credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Unlimited Progress Corp
State: IL

Complaint narrative:
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Creditors Discount & Audit. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Bank arbitrarily took money out of XXXX, XXXX account ( XXXX.. XXXX ) on several occasions starting on XX/XX/XXXX and ending on XXXX XXXX XXXX. I did not owe any money on its associated credit card nor if any debit card. Total amount is {$1100.00} On XX/XX/XXXX, XXXX refunded {$350.00} to XXXX XXXX XXXX credit card account ( XXXX  XXXX ) due to cancellation of auto insurance policy. 
( On/about XX/XX/XXXX, I left USA for XXXX due to Covid-19 ). Chase closed the credit card account without crediting the money back to XXXX, XXXX. 
Thus the total sum is {$1400.00} On XX/XX/XXXX, for the Case No : XXXX, I submitted attachments : XXXX and Chase-XXXX-statements ( 3-pages ) .PDF for your reference. 
This part of statement shows payment items with very irregularity in chronicle-order, in styles, in strange-inconsistent make-up descriptions and so on. For example : {$470.00} was entered three times ; to charge the Account on XXXX with strange description, to reverse to credit the Account on XXXX and to reverse again to charge the Account on XXXX. 
On XX/XX/XXXX, Chase Bank responded to me and to CFPB in a letter stating Chase Bank took {$97.00} on XXXX out of my Corporate Account to pay the the credit card ending in XXXX. Chase did not submit the essential and necessary parts of itemized charges for this total of {$97.00}. I did not owe this amount. In fact the Bank Statement I submitted indicates that Chase reversed and credit it back to the Corporate Account on XXXX. 
Further Chase Bank took much more money out of my corporate Account totaling {$1400.00}, which are not responded. I re-attach herewith ; 4 pages ( XXXX ). I demand that Chase submits the detailed and itemized statements for credit card and if any for debit card to indicate the charge. 
Since XXXX of XXXX Chase has been wrongly charging me on non-flying tickets on my personal Account. One of them : XXXX as a ticket broker refunded {$1700.00} of XXXX XXXX  ticket on XX/XX/XXXX to Chase for my personal account while Chase continued to insist that no such refund ever come until XX/XX/XXXX in a three-party telephone conference initiated by XXXX. I am convinced that there are still other case/cases still existing in the unresolved dispute on my personal Account. Thus about XXXX of XXXX I switched over to other banks and stopped using Chase Bank for credit card and debit card activities. 
Furhther I left USA on/about XX/XX/XXXX my need for Banks in United States diminished while I switched to use my foreign accounts. I deny that I ever re-enrolled on XX/XX/XXXX while abroad for automatic payment on my Corporate credit card when it had once been discontinued previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
An account was opened in my name that was not authorized by me. Money was spent on the account for two months and a payment was not made which harmed my credit score roughly 90 points as a result. I am in the process of purchasing a home and this greatly impacts my ability to get a mortgage. I did not authorize this account to be opened nor did I spend the money. I need this to be resolved quickly so that I can continue with my home purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have been receiving rude and threatening call from National Credit system regarding a XXXX XXXX XXXX XXXX. I never signed certificate and no one at the apartment complex explained anything to when i signed me lease concerning a XXXX XXXX. XXXX XXXX XXXX has refused to dispute this charge with XXXX XXXX and per Fair Credit Act they have to dispute if one is not agreeing with the bill. XXXX from National Credit System has called me multiple times after I have asked her not to call me but send everything in the mail. She refused to honor my order and this is not right. She has violated my rights and I will be filing a sue with XXXX County Courts for harassment after I've asked her not to contact me via phone after the very first rude call. XXXX, National Credit System representative has yelled and was very rude and stating I do owe it. These people are monsters and very rude. I wish Consumer Financial Protection will investigate and shut these monsters down. Also, XXXX stated they would put this account on my credit file. This is rude and disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection last year on my credit reports and contacted Medical Data Systems to reach a resolution. Idecided to go ahead and pay the collection with the stipulation that Medical Data Systems would remove the collection FULLY from my credit reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward to today and the collection is still reporting. 
I recentlydisputed it through the credit bureau dispute process and XXXX XXXX deleted it however XXXX and XXXX have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I canceled all cell phone service with XXXX on XX/XX/XXXX with XXXX email confirmation I have called XXXX regarding an outstanding bill of {$300.00} for a XXXX XXXX that was returned on XXXX. 

I have two emails from XXXX on XX/XX/XXXX, confirming that the return of the XXXX XXXX. 

I have always paid my bills with XXXX in full ( On auto-pay with my bank account ) I have email confirmation on XX/XX/XXXX, from XXXX that the XXXX XXXX was returned back on XX/XX/XXXX. 

This error with their billing was closed on XX/XX/XXXX, but XXXX has now sent this erroneous bill to AmSher Collection Services . 

On XX/XX/XXXX, XXXX in XXXX Customer Service emailed me stating the refund/correction to my bill for {$300.00} because it was an error. 

I will include all email correspondence from XXXX in this complaint to assist in having this complaint corrected with XXXX and the Collection removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank has put a projected amount of over {$3000.00} in my bankruptcy and billed me monthly for the same amount. This appears to be fraudulent or a mistake. However, I have tried to get answers and no one claims to know why or what's going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX I sent Equifax a dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Equifax. I mailed another letter on XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letter for violation to respond within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
On XX/XX/2021 I became aware of the errors being reported on my consumer credit report .Pursuant 15 USC 1681c2 block information resulting from identity theft. Pursuant 15 USC 1681b reasonable procedures must be fair and equitable to the the consumer. Pursuant 15 USC 1681a ( 2 ) A ( iii ) consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is my chance to direct it off my report. Per XXXX XXXX XXXX XXXX. Accounts named XXXX XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX XXXX XXXX is a duplicate I have an open XXXX XXXX XXXX so i have no clue who XXXX XXXX XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
On XX/XX/2021 I became aware of the errors being reported on my consumer credit report .Pursuant 15 USC 1681c2 block information resulting from identity theft. Pursuant 15 USC 1681b reasonable procedures must be fair and equitable to the the consumer. Pursuant 15 USC 1681a ( 2 ) A ( iii ) consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is my chance to direct it off my report. Per Gramm Leach Bailey Act. Accounts named XXXX XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX XXXX XXXX is a duplicate I have an open XXXX XXXX XXXX so i have no clue who XXXX  XXXX XXXX is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 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 previously sent out a dispute letter to update my personal information but nothing has updated. According to the FCRA all information on my credit report should be 100 % accurate including my personal information. I should only have one name and one address. My name is XXXX XXXX XXXX, any other variation should be deleted. My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously sent out a dispute letter to update my personal information but nothing has updated. According to the FCRA all information on my credit report should be 100 % accurate including my personal information. I should only have one name and one address. My name is XXXX XXXX XXXX, any other variation should be deleted. My current address is XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting the removal of the automatic fraud alert that was placed on my credit file. I never requested for one to be placed therefore I would like it removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: LEXISNEXIS
State: NC

Complaint narrative:
The company XXXX issued a report blaming me for an accident that occurred on XX/XX/2021 where I was the victim of a driver who hit my vehicle and fled. This error in the report affects my ability to quote with other insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: GA

Complaint narrative:
I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection last year on my credit reports and contacted XXXX XXXX XXXX to reach a resolution. Idecided to go ahead and pay the collection with the stipulation that XXXX XXXX XXXX would remove the collection FULLY from my credit reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward to today and the collection is still reporting. 
I recentlydisputed it through the credit bureau dispute process and XXXX XXXX deleted it however XXXX and Equifax have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection last year on my credit reports and contacted XXXX XXXX XXXX to reach a resolution. Idecided to go ahead and pay the collection with the stipulation that XXXX XXXX XXXX would remove the collection FULLY from my credit reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward to today and the collection is still reporting. 
I recentlydisputed it through the credit bureau dispute process and XXXX XXXX deleted it however Experian and XXXX have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
This is for XXXX XXXX XXXX XXXX  XXXX FL XXXX It seems like PennyMac has still been playing a lot of games with us. By raising our mortgage payments tremendously. I had filed a report about this before. They still trying to say I'll tax bill went up by thousands of dollars per year. However when speaking to the tax department tax bill has only went up by {$300.00} more a year.. We are having trouble trying to pay this increase which is causing a problem. They had increased it by so many hundreds of dollars per month. We had apply for the streamline refinance which we was told to apply for. We've applied for that almost 2 months ago. We was promised during that conversation, that the streamline would be fast. That it would take about 30 days. However it's taken basically 2 months now at this point.. they seem to have misrepresent the streamline refinance itself. We was also told that we would not have to make a payment in XXXX knowing that we just applied for the streamline back two months ago. Now we're being told no we would have to pay XXXX 's payment, and yet we're being told about it at the last minute. It seems that PennyMac has not been communicating with us the right way. Nevertheless misrepresenting their products that they offer. This complete increase is causing a lot of problems. We supposed to have a FHA loan with a fixed rate for 30 years. However it seems like that's not what we have, and this increase is going to cause nothing but hardship for us moving forward... I don't understand how a streamline could go on to almost 3 months that's what it looks like, based on what we're hearing now to do. When we was told it should only take about 30 days. The reason why I'm having the problem with the payments now, is because of the fact they increase my monthly mortgage payments with higher amounts. Due to the fact they wanted more money in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: IL

Complaint narrative:
For months now I've been getting calls from a company called ERC. I've told them to send me some information about the debt and they refuse to do that. They call me and my wife 's phone 6 to 7 times per day

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am requesting the removal of the automatic fraud alert that was placed on my credit file. I never requested for one to be placed therefore I would like it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am requesting the removal of the automatic fraud alert that was placed on my credit file. I never requested for one to be placed therefore I would like it removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the multiple FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer. I XXXX XXXX am making this complaint, last time you guys tried to say I was a third party. Please remove these accounts as soon as possible.

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