vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 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: World Omni Financial Corp.
State: NC

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX, 2021, 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 advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

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Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account appears to be in violation for 2 reasons. 1 the statue of limiations is expired and number 2 I have no knowledge of this matter never have any child support or any government claim against 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 2021-05-27 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: Open Dealer Exchange, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX- unauthorized hard inquiry on my credit report XXXX 700 Credit/XXXX XXXXXXXX XXXX unauthorized hard inquiry on my credit report XXXX XXXX XXXX unauthorized hard inquiry on my credit report I contacted XXXX about all 3 of these companies as soon as I received the alerts that they had pulled my credit report. When I tried to dispute the inquiries, I was told that I would have to contact the companies directly to dispute it with them. When I tried contacting the companies, I was only able to reach one, as the others had listed a CELL PHONE VOICEMAIL and an inoperable phone number as their contact number. The one company I was able to reach told me that I had to contact the credit bureaus. When I called XXXX back, they told me again that I had to contact the companies. On my third call to XXXX I was told to file a complaint with the FTC, which led me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: OneMain Finance Corporation
State: NY

Complaint narrative:
XXXX XXXX XXXX unauthorized hard inquiry on my credit report XXXX XXXX XXXX XXXX XXXX unauthorized hard inquiry on my credit report XXXX One Main- unauthorized hard inquiry on my credit report I contacted XXXX about all 3 of these companies as soon as I received the alerts that they had pulled my credit report. When I tried to dispute the inquiries, I was told that I would have to contact the companies directly to dispute it with them. When I tried contacting the companies, I was only able to reach one, as the others had listed a CELL PHONE VOICEMAIL and an inoperable phone number as their contact number. The one company I was able to reach told me that I had to contact the credit bureaus. When I called XXXX back, they told me again that I had to contact the companies. On my third call to XXXX, I was told to file a complaint with the FTC, which led me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX Credit Acceptance- unauthorized hard inquiry on my credit report XXXX XXXX XXXX XXXX XXXX unauthorized hard inquiry on my credit report XXXX XXXX XXXX unauthorized hard inquiry on my credit report I contacted XXXX about all 3 of these companies as soon as I received the alerts that they had pulled my credit report. When I tried to dispute the inquiries, I was told that I would have to contact the companies directly to dispute it with them. When I tried contacting the companies, I was only able to reach one, as the others had listed a CELL PHONE VOICEMAIL and an inoperable phone number as their contact number. The one company I was able to reach told me that I had to contact the credit bureaus. When I called XXXX back, they told me again that I had to contact the companies. On my third call to XXXX, I was told to file a complaint with the FTC, which led me here.

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 2021-05-27 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( Experian, XXXX, and XXXX XXXX XXXX that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.

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 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
i have reached out about my information on my report with identity theft and fraudulent accounts please help they are not responding

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 2021-05-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am very disappointed with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. Please help!

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 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2021, Wells Fargo ( refunded ) me XXXX XXXX, That was originally sent to XXXX XXXX XXXX Via wire-transfer. The receiver did not accept Wires, so I then used that money and sent only XXXX XXXX ( back ) to XXXX XXXX XXXX via Online-transfer which they did accept, however Wells Fargo FORGOT about it and never sent it, yet processed it in my account as they did, and it was removed from my balance, and still is. I called them to locate it and they apologized and said it would be sent tomorrow but I no longer trust that they are being honest. 

I then forwarded another wire of XXXX XXXX, from XXXX XXXX XXXX to Wells Fargo today at XXXX XXXX and they claimed that it was never delivered yet it is posted on the XXXX XXXX XXXX account as sent and received. 


Please help me locate the money they keep forgetting about.

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 2021-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Ive already been in communication with Debt Recovery Solutions who stated they are unable to send me in writing the debt will be removed from my credit once payment is made and they said they cant provide this. 
I want to accept this offer to pay the amount offered the due date to pay is XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: NC

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: NETWORK FUNDING, L.P.
State: UT

Complaint narrative:
Without my permission, mortgage company pulled my credit on XX/XX/2021 to spy who I was going to use beside them, after I told them I didnt want to continue with them!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prime Recovery LLC
State: OH

Complaint narrative:
This company who I have never heard of contacted my sister leaving a message that I owe a debt to them from XXXX XXXX XXXX. This is false and they need to be reported. They also sent my name to a number that isn't affiliated with me which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked XXXX  and Experian for a investigation for XXXX XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX  and that is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( XXXX, XXXX, and Trans Union ) that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.

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 2021-05-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( XXXX, Equifax, and XXXX XXXX XXXX that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: RI

Complaint narrative:
On XX/XX/XXXX I utilized my employers Values in XXXX XXXX to cash in on employee rewards I have accumulated in my 6 years with the company. I selected the option of receiving a {$500.00} XXXXXXXX XXXX XXXX XXXX  Account and a {$200.00} XXXX XXXX XXXX XXXX account. for a Total of {$700.00}, which was included in my XXXX for my income in XXXX and considered a part of my compensation. I have tried multiple times to get access to my money to get new cards issued and I have not had any success. 

I recently ( XX/XX/XXXX ) tried to log into my account and use the credit cards, both of which have " Expired '' as of XX/XX/XXXX. The https : //www.myprepaidcenter.com/my-cards says the company will reissue the card and your value if you call customer service. I have tried to contact and reach customer service over a dozen times. The company 's call center provides you with recordings that change your wait time sporadically ( you start out with 50 min go to 30 then back to 50 ) and ultimately you do not get to speak with anyone. Alternatively, I have tried to call the BlackHawk network, one of the companies directly listed on Myprepaidcenter.com, and XXXX, which is claimed to be the issuing bank for these gift cards. I have gotten nowhere to receive my funds. 

In addition, according to FTC guidelines cited on the FDIC website, this gift card violates FTC laws. I have been charged fees, but it has not even been a year. It also expires in six months, which does not comply with FTC laws. " Under the law, a gift card can not expire until at least five years from the date it was activated. The law also places general limitations on fees. For instance, the card issuer can not charge a dormancy or inactivity fee on a gift card unless there has been no activity for one year and the card clearly states its policy toward that fee. In addition, some states have separate laws that provide added protection in certain circumstances. '' Here are the three websites in question I have tried contacting customer service at in connection with these prepaid employer gift cards : The prepaid Gift Card Account is through : https : //www.myprepaidcenter.com/my-cards The Issuing Bank ( according to the Myprepaidcenter.com Website Fine Print ) For XXXX privacy policy, visit https : //www.metabank.com/privacy-policy. 

The Marketing Network : For patent information, visit blackhawknetwork.com/patent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WellsFargo Bank Statement Errors as follows : 1. ) In my additional review of my banking statements, I discovered that there are inconsistencies with how my ( Ending Daily Balance ) is posted. On some of my statements the ending daily balance is posted immediately after a deposit is posted, but this is not typical for all posted deposits. Also some of the ending daily balance 's are posted on the last date of entries, for example XXXX to XXXX. But again, this is not typical for all ending and beginning dates, which makes the possibility of errors much more prevalent. 

2. ) The XXXX   XXXX  postings for deposits into my account are also posted incorrectly. The deposits should be posted as from the individual who made the deposit. Instead, it shows the deposit was made from ( XXXX CA XXXX, which is myself, making the transactions totally incorrect. 

3. ) There are absolutely no postings of my declined transactions. These transactions are only sent to me by text message and therefore I do not have a paper trail for said transactions on my actual banking statement. If there is a back charge from the bank for declined transactions, it is not posted on my banking statements. Therefore errors will occur on my ending daily 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 2021-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM

Complaint narrative:
During Covid-19, my mortgage was palced in Forebarance. I was told then i started the forebarance that my payments would be added to the end of the loan. I have been trying Since XXXX of XXXX to get out of forebarance and start making payments again. Carrington is telling me that they can not simply just add my payments to the end of the loan. Since XXXX of XXXX Carrington has been reviewing my loan for a modification. As on XXXX XXXX they are still revieing me for a loan modifiaction. Their lack of action on this is putting me in incrasing jepordy of loosing my home. I have not made any payments because I want to know how they are going to resolve the amout that is behind. And they can not tell me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
OnXX/XX/21 my Chase bank account was hacked and they wired funds out of my account. I immediately ( within 30 min ) notified Chase of the problem both verbally ( on the phone ) and inside a branch. I filed two Affidavits because there were two unauthorized wire transfers so an Affidavit was filed and submitted for both wires onXX/XX/21. One wire transfer was for {$11000.00} and the other for {$12000.00}. They told me that it would take 5 business days and they would update me on the status. I didn't hear anything in 5 business days so I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on the XXXX after chase staff called I received {$11000.00}. So I called XXXX, XXXX and when I called on the XXXX they told me that they couldn't recover my {$12000.00} and that there was nothing else that they could do and that it was my fault.

Company response to consumer: Closed with monetary relief