vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-23 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: WI

Complaint narrative:
THIS IS MY LAST SUBMISSION. THE CREDITORS HAVE STATED THEY HAVE ADVISED EXPERIAN, XXXX and XXXX TO REMOVE ALL REMARKS. I STILL SEE SOME OF THESE AGENCIES HAVING DISPUTE REMARKS! CLEAR THEM FROM MY REPORTS AS IF THEY NEVER EXISTED. HERE IS PROOF THAT XXXX XXXX CARD SERVICES ACCOUNT XXXX AND XXXX  CASE XXXX HAVE STATED THEY HAVE REQUESTED YOU TO REMOVE ALL REMARKS BESIDES THE ORIGINAL PAID IN FULL AND CLOSED ON XXXX AND XXXX DISPUTES CLEAR. EXPERIAN HAS BEEN THE WORST TO DEAL WITH. THEY DO NOT HONOR ANY CORRECTIONS AND THEIR CUSTOMER SERVICE IS THE WORST. THEIR WEBSITE DOES NOT WORK FOR QUICK LINKS TO VIEW DISPUTES. I WILL BE CHECKING ALL OF THESE ACCOUNTS IN A MONTH. IF I STILL SEE ISSUES. I WILL BE LOOKING INTO REPORTING THEM TO THE ATTORNEY GENERAL, FTC, AND SUING THEM. 

IF YOU HAVE FIXED THE ERRORS AND IT TAKES TIME FOR YOUR UPDATES TO SHOW UP. I SINCERELY APOLOGIZE AND THANK YOU FOR RESPECTING MY RESOLUTION.

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 2021-10-23 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX has completed a hard pull on XXXX XXXX, 2021 without my permission and the inquiry needs to be deleted immediately. I never authorized any inquiry in my name.

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 2021-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
Ive owed a credit card debit that I started a payment plan with XXXX XXXX  who is works with a law firm bt the name of Tenaglia & Hunt and they started the withdrawling the funds each month until the last payment was not released or never taken out of my bank account while the funds was in there to cover the payment. Then they waited a whole year to go by and take me to court for {$64.00} and send the company I work for a XXXX of wage notice by the Court house raising the amount to {$130.00}. I've found over 200 of complaints on XXXX with these two company doing the same to many more customers just to get more money out of us! THIS NEED TO BE PUT TO A STOP and needs to reported so others customers dont have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: NY

Complaint narrative:
Reporting agency continues to report a middle initial ( i.e., XXXX XXXX XXXX  ) which, in my lifetime, have never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: IN

Complaint narrative:
I am on the delayed payment plan with Midland Mortgage until XX/XX/XXXX. Due to COVID, I was having trouble finding a job in XXXX  so moved to XXXX  for a new job in XXXXXXXX XXXX XXXX XXXX. My house is up for sale. I am supposed to have until XX/XX/XXXX and then a modification was to take place where the past due is put to the back of the loan and I continue making payments. 

However, there was a notice on my door from XXXX property group stating they are managing the property now. It was posted on XX/XX/2021. 

I was given no notice at all this was happening. 

The house is up for sale and it was quite embarrassing when a potential buyer was going to be shown the house on Friday XX/XX/2021. I did receive an offer last week that was extremely low and I would not be surprised if they were tipped off with the crookedness happening 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 2021-10-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/23 I paid an deposit of {$460.00} for a hold on an apartment. The apartment did not pass initial insp and i was unable to move in. The rental company had a problem issuing my refund back to my credit card and told me to go through the credit card company and they keep closing my dispute inquiry

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 monetary relief
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Collection Debt showed up on my credit report for unpaid {$810.00} XXXX account that was not mine. Originally reported by XXXX XXXX XXXX to Credit Bureau. Disputed XX/XX/XXXX and removed XX/XX/XXXX after XXXX XXXX XXXX discovered it was not my account. 
XX/XX/XXXX alerted via credit alert of score drop, the same Collection Account appeared from Franklin Collection SV. 
Disputed account through XXXX and called Franklin Collection SV XXXX XXXX XXXX XXXX, XXXX, MS XXXX Phone : ( XXXX ) XXXX Balance Date : XX/XX/XXXX Balance : {$810.00} Operator said debt did not appear to be mine and gave me email address for formal dispute letter which I e mailed XXXX XXXX XXXX I emailed another letter after they replied to XXXX that under investigation this account was mine in which I have been requesting documents supporting their claim that this is my account. 
Franklin Credit SV has not provided any documents of supporting evidence but each time I contact them, they report to FICO Credit Agencies FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. 
FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX.

FRANKLIN COLLECTION SVCS INC has flagged your account as UNPAID ( D ). 
XX/XX/XXXX with XXXX FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. 
FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. 
Franklin Credit has not responded with any supporting documents for collection, communication response of any type regarding this collection and I do not have any information which would even allow me to try and remedy with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Dynamic Recovery Solutions, LLC
State: OK

Complaint narrative:
I just checked my XXXX credit report and Dynamic Recovery Solutions has accessed my credit file 3 times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I do not have any collections with this company, I have not been contacted by them about any debts, thus they are illegally pulling my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23 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: Radius Global Solutions LLC
State: OK

Complaint narrative:
Radius Global Solutions accessed my credit file on XX/XX/2021. I do not have any collections with this company thus they are illegally pulling my credit.

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 2021-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX my mortgage servicer, NewRez, responded to a CFPB complaint that I filed on XX/XX/XXXX ( Complaint IDr-XXXX ). 

In NewRez 's XX/XX/XXXX response to my XX/XX/XXXX they did not provide full or adequate information as to why my mortgage statement for payment due on XX/XX/XXXX showed a payment due amount of {$0.00}.

NewRez needs to respond to 1,2, 3,4,5,6, and 7 below. 

In NewRez 's XX/XX/XXXX response to my XX/XX/XXXX CFPC complaint they, state ..... 

On XX/XX/XXXX, a refund was issued to the trustee in the amount of {$1600.00}. However, in a deep review of the homeowners payment history one of these payments were mistakenly counted in our bankruptcy payment ledger.

1. What was exact dollar amount that was allegedly counted in the bankruptcy payment ledge?

NewRez states in their XX/XX/XXXX response to my XX/XX/XXXX CFPB Complaint It has been determined that this inadvertent error is the cause of the billing discrepancies which has caused the homeowner to continually receive billing statements reflecting the wrong amount due. This error has been corrected and as a courtesy Newrez has advanced the funds needed to correct this error. This correction has made the next contractual payment due the XX/XX/XXXX installment of {$940.00}. Enclosed for your clients reference is a copy of the XX/XX/XXXX billing statement 2. What is the exact dollar amount of the funds that were allegedly advanced?

3. How were the alleged advanced funds applied to my mortgage account?

4. Why was there no documentation provided showing how the alleged advanced funds were applied? NewRez needs to supply the documentation showing the exact dollar amount of the alleged funds and exactly how the alleged funds were applied to the account.

NewRez attached a XX/XX/XXXX, statement- 5. Why does the statement continue to show that I owe a {$0.00} dollar payment?

6. Why has NewRez not provided any documentation showing the alleged advancement of funds to our account?

7. NewRez needs to supply documentation showing the exact dollar amount of the alleged advancement of funds

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received a letter in the mail from Wells Fargo Bank that {$50.00} I had in a checking account with them was being sent to unclaimed property since there was no activity with the account and they had not heard from me. I also had a mortgage with Wells Fargo, and the {$50.00} in the checking account was required when opening the mortgage account 6 years ago to the month. When I've look at my account online over the last 6 years, all I can see are my mortgage accounts and not this checking account. 

The transaction date listed in the letter is XX/XX/XXXX and I did not receive the final notice in the mail until XX/XX/XXXX. I contacted Wells Fargo on Tuesday, XX/XX/XXXX in the evening and they told me they had notified me numerous times by mail that my account was going to be closed and sent to unclaimed property. I was never contacted by letter, email, or phone call and this was the first notice I received. 

I contacted the unclaimed property XXXX in West Virginia that Wells Fargo referred me to on Wednesday, XX/XX/XXXX to reclaim the {$50.00} that Wells Fargo sent to unclaimed property without notifying me or my permission. I now have to wait at least 6 weeks to initiate a claim and even longer to get the {$50.00} 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 2021-10-23 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: PA

Complaint narrative:
Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX is in Violation of 15 U.S Code 1681 N ( B ) 15 U.S Code 1681 A ( 4 ) 15 U.S Code 1681 A ( E ) 15 U.S Code 1681 A ( G ) Fact, Affiant is aware and has proof in attachment labelled Exhibit A that Equifax is in violation of ( 1 ) Federally PROTECTED CONSUMER RIGHTS bill willfully and knowingly, So they are civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: AES/PHEAA
State: VA

Complaint narrative:
I have filed for my student loans to be discharged and recent they have been discharged. But that has not been reported to all three credit bureaus to be removed. Which this debt is affecting me heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: VA

Complaint narrative:
I have filed for my student loans to be discharged and recent they have been discharged. But that has not been reported to all three credit bureaus to be removed. Which this debt is affecting me heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: VA

Complaint narrative:
I have filed for my student loans to be discharged and recent they have been discharged. But that has not been reported to all three credit bureaus to be removed. Which this debt is affecting me heavily.

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 2021-10-23 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: PA

Complaint narrative:
Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX is in Violation of 15 U.S Code 1681 N ( B ) 15 U.S Code 1681 A ( 4 ) 15 U.S Code 1681 A ( E ) 15 U.S Code 1681 A ( G ) Fact, Affiant is aware and has proof in attachment labelled Exhibit A that TransUnion is in violation of ( 4 ) Federally PROTECTED CONSUMER RIGHTS bill willfully and knowingly, So they are civilly liable.

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 2021-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, a Case Specialist with Wells Fargo Bank 's Enterprise Complaints Management Office responded to two complaints that I filed with the CFPB, alleging violations of Regulation E and identifying Wells Fargo Bank 's failure to protect their banking customers under federal and state consumer law. 

In sum, the bank claims that an investigation was completed on XX/XX/XXXX, however, this is impossible as I spoke on the phone with a Wells Fargo Claims Specialist on XX/XX/XXXX for over 30 minutes. It was during this call, well over 10 business days of my reporting of the unauthorized transactions, that I was asked for the first time some specific questions that pertained to these transactions. 

The bank 's XX/XX/XXXX letter is false and cookie-cutter, and most importantly, utterly fails to address the bank 's violations of Regulation E. 

During my XX/XX/XXXX call with the bank, the Claims Specialist explicitly advised me to file a police report, or to work things out with the merchant directly. This is in DIRECT violation of the most recent FAQ and guidance provided by the CFPB in regards to Regulation XXXX and its application to real life. 

In sum, Wells Fargo deliberately lagged on investigating my claim and waited up until the last day prior to credits requiring to be issed to " deny '' my claim. However, it's undisputable that no such investigation could have truly and fully occurred where I was asked questions about my claim on the last day. 

Importantly, I want to point out that the bank specifically advised me to take action that is not requisite under Reg. E, and goes against wha the CFPB advises these institutions.

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 2021-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Eastern Account System of Connecticut Inc. or their client Wow! internet services has never addressed four letters I sent to them and fraudulently reported a past due, that I am not responsible for, to collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
About 6 years ago my information was part of the equiax hack, never being notified by them I found out from a co worker and how to see online which I was affected starting with them I submitted 3 different claims to there settle ment department of and nothing had been resolved, no help, no information, they haven't giving me the 7 years of free credit monitoring, hec I can't even log in now to unlock my credit, so from there I started cleaning up the mess myself using y'all 's site, FTC , irs , identity. Gov, getting new social security cards, drivers license 3 times, I used XXXX, XXXX, XXXX, XXXX XXXX, all who have denied me any kind of reimbursement or help one I started submitting claims and reciepts for lawyer bills etc etc, XXXX was hacked, XXXX, XXXX, XXXX XXXX, XXXX, etc, I haven't gotten a tax return in 2 years there's 14 inquiries on my credit report I dispute they go away and pop right back up 6 months later. I out out fraud warnings and filed claims and have all the documentation, I can't even get a passport and I'm financially at the end of my rope I make XXXX a year and have no Debt except maybe XXXX on credit cards I used during covid layoffs. It's just a drain and idk what else to do please help. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Granite Bay Acceptance Inc.
State: OK

Complaint narrative:
Granite Bay Acceptance accessed my credit file on XX/XX/2021. I have no business or collections with this company, thus they are illegally pulling my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: GA

Complaint narrative:
This is a loan contract company that survives off of predatory lending practices and only targets medical professionals. I entered into a contract with Bankers Healthcare Group in XXXX of 2018. The original amount and payment as noted in the documents changed, the payment is almost the same as well as the amount, but the interest charge and terms are much higher. These funds were used to pay off a student loan through XXXX. Looking back, the only difference between XXXX and this group is that XXXX is involved in multiple class-action lawsuits. Banker 's Healthcare Group should be as well. My husband and I were both heavily affected during the last two years by the ridiculous shutdowns and lack of patients/business. I work in XXXX XXXX as a XXXX XXXX for the last seven years. My hours were cut heavily by the hospital by over 30 %. We could not afford this $ XXXX predatory loan payment at over 20 % interest. We paid over {$12000.00} in payments. The balance is almost the same as the original loan amount. This is another sign of a predatory lender. After a three month deferment, we contacted them for additional options. They did not continue to draft payments, nor did they return any calls on available options. We did receive a call to borrow more money. Bankers Healthcare filed a lawsuit against me. They are suing for over {$37000.00}, more than the original loan amount and not including the {$12000.00} in payments made. These types of companies are harmful to consumers, and should not be in business to prey upon medical professionals. The original terms were changed from what was discussed, the loan was setup from the beginning to be very difficult to pay with the high payment, fees, interest rate and term. 
We do not have funds for a lawyer, and this should be something that is looked at to prevent other consumers from falling into this lender 's trap.

Company response to consumer: Closed with explanation