vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/2021, I received emails and mail about a Wells Fargo Account. I have never opened a Wells Fargo Account therefore I am a victim of Identity Fraud. When I called Wells Fargo, they had filed an investigation and told me it will be resolved. Each month I would check and they would say they do not have an investigation for me. I have called Wells Fargo 2 weeks ago very frustrated and finally spoke to someone who said they will have it resolved within 2 days and someone will contact me/ I will get something in the mail within those 2 days. 2 whole weeks have gone by and still nothing from them. 

Wells Fargo has completely destroyed my credit because of their horrible inconsistent work. It has been over 5 months with no resolution. I am extremely upset, frustrated, and just truly need 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 monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
a XXXX cable guy stole our check book while installing service.. he wrote and cashed XXXX checks for total of XXXX 
though we never wrote checks from our account instead for {$1000.00} once a month to the rent..TD cashed XXXX consecutive checks for {$14000.00} on XX/XX/XXXX than {$8400.00} on the XXXX, with fake signatures. 
we visited the branch and called numerous times over the 120 days ..money was never returned or even investigators din'y not even make one comment. 
we are looking to get our money back, because these checks were not suppose to be cashed out to begin with, they did not have the correct signatures or even there was not similar pattern of writing checks over {$1000.00}, which we only did once a month. 

the branch address is XXXX XXXX XXXX, XXXX XXXX, NY, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I pay to have all XXXX credit bureaus, at my reach. I monitor my credit report and scores, weekly. I have been paying off my credit cards and my scores were rising. XXXX this is what my scores were. XXXX XXXX, Equifax XXXX and XXXX XXXX. Now nothing has changed, but me putting more payments towards my loans. ( credit cards ) XXXX Equifax credit score went down XXXX points, for no reason. I have not used any of my credit and I been paying things off. How can they just go and take away XXXX points, for no reason. This is not fair, and I am sure it's not legal. There has been no activity on my accounts, except for the balances decreasing, due to me paying them down. This is not right, and I want my XXXX points back. I worked hard to get my scores up. Again, there was no reason to take XXXX points from my Equifax score. Pleas help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
During several long spans of time while trying to repay my student loans, while teaching in a public school, I suffered some financial set backs where I was unable to make full loan payments. When I called to asked the servicer about my options, I was always steered toward forbearance. They told me that partial payments didn't count toward XXXX, so it didn't make sense to make that payment at all and that I should just do the forbearance until I was more financially stable. This was correct at the time except that I was still accruing interest and not making any progress on that, which is predatory. Now, that the new waiver is being applied to partial payments, people who did make partial payments are having those months count toward their forgiveness, while those of us to took the advice of the servicer do not. This does not see like a fair and equitable practice. I would have made a partial payment of what I could afford if I had not been steered y my servicer. Forbearances and deferments should count toward XXXX counts under the new waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Duvera Billing Services, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I obtained an installment loan from XXXX XXXX to fund my vehicle repair from XXXXXXXX XXXX XXXX XXXX 

The loan was advertised as 90 days same as cash with no interest or prepayment penalty but with an APR of 119 %. While the interest rate was unreasonable, I could not afford to pay the {$1200.00} repair at the time and urgently needed my vehicle for work, XXXX  school and to take my kids to school and other places, so I took the loan. 

The loan was disclosed to have semi-monthly payments of {$69.00} over a 48 month period that were required to be auto payments. The first payment processed on XX/XX/XXXX and subsequent payments were made via auto payment twice every month. While all payments were made and processed including extra and irregular payments, XXXX XXXX has reported to the credit bureau that the account is past due 30 days. 

The fact is that the account is actually paid in Full. While I have attempted to resolve this in phone calls with XXXX XXXX, but have been unable to do so. 

I have been retaliated upon for I believe paying the account off in full and avoiding the exorbitant and illegal interest ( according to Virginia XXXX XXXX interest rate on consumer installment loans is 35 % ). 

XXXX has deleted my online account access and refuses to update the account status to paid in full based on my last payment of {$1400.00} on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: KS

Complaint narrative:
When XXXX ( now XXXX XXXX  ) took over the loan ( from XXXX XXXX they would not accept XXXX forbearance agreement. Even though this was provided to them and multiple conversations occurred. XXXX went so far to attempt to foreclose on my home. Multiple people in my family receiving notification of this ( and not one person co signed so thats a privacy issue ). I tried very hard to work with the company. They would not hear me I finally contacted the attorney general who was able to stop what they were illegally doing. They have marked my loan as being in default from XX/XX/XXXX until XX/XX/XXXX appearing as though I simply didnt make payments and was severely late greatly affecting my credit score. Additionally I have reached out to this company multiple times via email and phone calls. I have discussed a modification be offered which has not occurred. I also have noticed a XXXX increase on my mortgage in under a year. There are still attorney fees they are charging me for that they have assured the attorneys general that they were removed. My interest rate is the highest its been I believe around 9 % Before they took the loan my interest rate was under 5 %. Because I can not trust this company for obvious reasons I fear they will try to do something that will harm me in some way again. I assume take action on my own, and am seeking a mortgage arrears resolution process be initiated. I would like the lowest mod possible. I can not seem to communicate with this company in a manner that is effective. Please communicate this on my behalf. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: MD

Complaint narrative:
I DID NOT GIVE CONSENT TO THE ALLEGED COMPANIES TO FURNISH THE ALLEGED ACCOUNTS ON MY CONSUMER REPORT, NOR WAS I GIVEN PROPER EXPLANATION THAT THESE ACCOUNTS WOULD BE FURNISHED ON MY REPORT. I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATELY. I DO NOT DENY THE DEBT. I DO DENY CONSENT TO FURNISH. LAWS VALIDATING MY CAUSE ARE ATTACHED. FAILURE TO COMPLY WILL RESULT IN FINES UP TO {$1000.00} PER VIOLATION.

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 2022-03-25 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: MD

Complaint narrative:
I DID NOT GIVE CONSENT TO THE ALLEGED COMPANIES TO FURNISH THE ALLEGED ACCOUNTS ON MY CONSUMER REPORT, NOR WAS I GIVEN PROPER EXPLANATION THAT THESE ACCOUNTS WOULD BE FURNISHED ON MY REPORT. I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATELY. I DO NOT DENY THE DEBT. I DO DENY CONSENT TO FURNISH. LAWS VALIDATING MY CAUSE ARE ATTACHED. FAILURE TO COMPLY WILL RESULT IN FINES UP TO {$1000.00} PER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I received a check by mail from a company/business as a payment to wrap my car with XXXX Ad, I deposited the check to my account thru the mobile app, few days later when I call to check if check has cleared I was informed check was fraudulent and my account was closed and reported to the ChexSystems, but I think I was a Victim of Fraud, I filed a dispute with ChexSystems and provided copy of all the email messages I had with the company that had mailed me the check.

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 2022-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
I looked up the address to make a payment to my salliemae loan. 

This link popped up https : XXXX/ I sent my check of XXXX XXXX, XXXX dollar to this address below. {$1800.00} Payment address : Sallie Mae XXXX XXXX  XXXX XXXX, PA XXXX Now they are saying they can't find my check for my student loan and the payment won't be applied in time because of these XXXX. These XXXX gave me a late payment before on my credit for there mistake and now these XXXX have an address that is no longer active up on the site for payments!!! If they payment is not reported on time then I will be at fault because of the XXXX  and there unprofessional antics

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
UWM transferred my loan to a new servicer. UWM owes my new servicer a check for {$770.00}. The check should have been processed months ago and they refuse to respond and have not sent a check. My account is showing an incorrect balance due to this issue. 
I am unable to correctly pay my loan due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: SD

Complaint narrative:
My account is froze and they will not get back to me to resolve. This happened XX/XX/XXXX th and someone gained access to my email and i had to freeze my account. I got it back open and it happened again on XX/XX/XXXX, this time i was able to freeze account and someone sold XXXX without me knowing. Ive tried to get them to unfreeze my account but they have not responded all week. These are my claim reports Subject : We have received your request! - how long will it be frozen, Ticket ID : XXXX We have received your inquiry and one of our support agents will respond to your request as soon as possible. 


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Onward & Upward! 

Gemini Customer Support XXXX ( Gemini ) XX/XX/XXXX, XXXX PM XXXX Hi XXXX, Thank you for reaching out. 

I have taken a look at your account and it looks like the account was frozen on the users side today, on XX/XX/XXXX. We are reviewing your account activity with our Security team and will be in touch shortly. 

I would be happy to assist you with unfreezing your account. In order to do so, we kindly ask that you submit a photo that contains the following : 1. A view of your full face 2. Your ID that was used to register with Gemini. This was either a passport or driver 's license 3. A hand-written note that states the current date and says " [ XXXX ] '' underneath Once you've taken a selfie that contains all of the above, please upload it via our secure Gemini XXXX : https : XXXX Please keep in mind that this must be one photo that contains all of the above, not 3 separate photos and reply to this thread once this is complete as I will escalate your case for expedited service. 

Additionally, it would be helpful if you could respond to this email as soon as possible and provide the following : - Why have you frozen your account? 
- What is your phone number? 
- What are the circumstances of which your account has been compromised ( or potentially compromised )? 
- Any additional information you can provide that will help us resolve your issue. 

Please do not hesitate to send us any additional and relevant information, and as always, reach out if you have further questions for us. 

Onward and Upward, XXXX i submitted photo and nothing, ive changed my password 3 times and they still keep it locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I was a victim of fraud on or around XX/XX/XXXX in the amount of {$340.00} for an XXXX XXXX charge. I contacted my credit card company on or around XX/XX/XXXX, when I discovered numerous other fraudulent charges on my card ( over $ 3k worth ). The fraudulent charges were waived except for XXXX XXXX XXXX charges which, after a nearly 6-week investigation, the company decided were not fraudulent. They absolutely were fraudulent charges - no one else is authorized to use my card. XXXX XXXX helped me get one of the charges cleared up - but the {$340.00} charge remained. It remains to this day, despite my having made literally dozens of phone calls telling them to reopen the investigation. Customer service reps have promised to reopen the claim and have not. I sent certified mail regarding the situation on or around XX/XX/XXXX and received no response. I also demanded my fraud investigation file, and they have not complied. They are completely unresponsive and ignoring me, a client of over 15 years.

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 2022-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This student loans are fraud. I never have had student loans nor been a co-signer for anyone. I see they are reporting as closed and with a debt, reporting as collection. I am demanding for validation on these accounts as well as they need to be removed from all credit bureaus immediately. XXXX, XXXX and Experian. 
US DEPT OF EDUCATION XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ______________________ DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Name is also reporting wrong XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX _______________________ I am asking that the credit bureaus correct all this information __________________________ Non authorized inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: LA

Complaint narrative:
My home was completely destroyed XXXX XXXX. I received {$380000.00} in insurance claim checks from my insurance company. Because there was still a small balance on the mortgage, the checks were issued in both my name and the name of the mortgage company ( " Cardinal Financial '' ). I followed the directions on their website and endorsed the checks and overnighted same to them with a voided check ( for ACH refund ) and a letter requesting that the mortgage balance be paid and remaining funds deposited in my checking account. I was told I would receive the balance ( about {$300000.00} ) 5 days after the mortgage was paid off. When I did not receive the balance in that timeframe, I contacted the company, and was told that I had to wait 15 days from the day of payoff before they sent it, and that since I requested the mortgage be paid off, they had to send a check by mail and could not use ACH ( no one could tell me why this mattered ). Yesterday, was the 15th day. When I looked at the account online, I saw that they had in fact sent me a check, but it was for LESS THAN HALF of the balanced owed to me. I called to ask why they hadn't sent all of my money back, and I was told they would be holding the rest for yet another 15 days!!!!! No one I spoke with at the company could tell me why they were continuing to hold on to my money since the mortgage was paid off and they no longer hold any interest in my property. These large companies should NOT be able to treat people like this. They are obviously holding on to my money " because they can '', and it is to my detriment as I am attempting to purchase another house which I may lose to another buyer, because they are holding on to my money unnecessarily. PLEASE do something about this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: AXOS FINANCIAL, INC.
State: OH

Complaint narrative:
Received in the mail bank cards from 2 on line banks ( XXXXXXXX XXXX and Axos ), I have never applied for a card at either bank.

Company response to consumer: Closed with explanation