vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My debit card was stolen from me. XXXX  took {$2000.00} out of an atm covered up so nobody could see him. Im not able to take that much money out without going inside the bank. Because the atm camera showed him covered up Wells Fargo denied my claim and treated my like the XXXX. They denied my fraud claim for {$2000.00} where I proceeded to get the police involved. Officer told me that the guy thats on camera is twice your size and its not you. Wells Fargo has continued to deny this claim where it is being reviewed for the fifth time.

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 2022-12-01 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: LA

Complaint narrative:
I previously disputed a collections account reported on my credit report with XXXX and TransUnion. I disputed the reported item from the collection agency XXXX XXXX, ( original creditor XXXX XXXX ) because I requested to end the services with the XXXX  company, XXXX XXXX, and had a XXXX balance with nothing else owed on my account at the time the account was closed. Each time I disputed this item with the credit bureaus, I requested that the collection agency provide the original contracts from these XXXX  companies, as well as proof of the remaining balance owed. The collection agency was only able to verify I was once the account holder. Neither XXXX or TransUnion investigated beyond this. They did not require the collections agency ( XXXX XXXX ) to provide any documentation to verify their claim of the amount owed. This item is still reported on my credit report and adversely affecting my 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 non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a floating rate when i opened my HELOC. 
I was told that i can lock into a fixed rate at anytime during the loan. I am in real estate and i knew the Fed rates had dropped to 3.25 % so i called to lock in the rate because i knew rates would be going up. 

instead of locking n the rate for the life of the loan, the representative did something with the margin to reduce it to get it temporarily to 3.125 % That's not what i asked her to do -i told her i wanted to do away with the margin. 

I had wells Fargo pull the tapes- but they will not give me a copy. 
They gave me highlights of the call - In reading the highlights, i was clearly in the right. 
I want them to honor the rate that i called in and asked for, for the life of the loan. 

I called in and spoke to another person who agreed with me after reading the notes. 
He assigned it for a 2nd review.

I do not think the 2nd reviewer even listened to the tapes. 
I got the exact same form letter from her. 
I have called 5 times trying to get her to call me back to discuss this, and i can not get her to call 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 non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Gave dealer my info to contact me about a vehicle. They submitted my info without my consent.

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 2022-12-01 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Over a year ago I requested a removal of PMI it had been 2 years since I had started mortgage. They said home did not meet the amount needed to do so. That was false. So I waited a year and on their site the house evaluation showed a increase from $ XXXX to $ XXXX which was a little low but good enough when my balance was only $ XXXX. So I request removal of PMI again. They told me my payments needed to be verified and my Credit again I said ok. My credit is perfect with a score of 780- to 800 from all 3 Credit Bureaus XXXX Then they stalled again. I got a letter saying my house did not meet the financial requirements which was over a 100 % to value. They then said I needed a bop or an appraisal I said I would prefer and Appraisal do not do a BOP. 2 weeks later I got an email saying a BOP would be cheaper. I said no I already told you a Appraisal. I asked how much. The rep told me {$350.00} I said ok take that payment. I was put on hold then she came back and told me {$420.00} I said oh well Ok They took the payment for {$420.00} on XX/XX/XXXX XXXX then 2 weeks went by. Then in e mail I was told It would be {$600.00}. then another week went by and now I am being told an additional {$170.00}. I have this all on my emails and the payment taken on XX/XX/2022 from my bank. This is a 2 year run around and stall to remove something that qualified from the very first request. This mortgage company is trying to take advantage of me and my Family. Loancare servicing LLC

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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I booked a flight on XXXX through chase ultimate rewards using points. The flight was on XX/XX/2022. XXXX cancelled the flight due to their pilot strike. Chase said they would refund my flight due to XXXX cancelling because of the pilot strike. At first chase said they would refund me in a statement credit of {$1300.00}. And that I would have it by XX/XX/XXXX at the latest. This date was not met. Then I was told it would come as points instead of a statement credit and it would come as XXXX points. Which only has a cash value of {$670.00}. This is less than the travel I booked. I was also told this refund would come by XX/XX/2022. It has not. Can you please help me get my money back. They have been holding it up for three months now with no concern for my financial well being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 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: LA

Complaint narrative:
I previously disputed a collections account reported on my credit report with Equifax and XXXX. I disputed the reported item from the collection agency XXXX XXXX, ( original creditor XXXX XXXX ) because I requested to end the services with the telecommunicatins company, XXXX XXXX, and had a XXXX balance with nothing else owed on my account at the time the account was closed. Each time I disputed this item with the credit bureaus, I requested that the collection agency provide the original contracts from these telecommunications companies, as well as proof of the remaining balance owed. The collection agency was only able to verify I was once the account holder. Neither Equifax or XXXX investigated beyond this. They did not require the collections agency ( XXXX XXXX ) to provide any documentation to verify their claim of the amount owed. This item is still reported on my credit report and adversely affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I opened an account with Comenity Capital BankXXXX in XX/XX/2022 and then later set up my online account and enrolled in paperless statements on XX/XX/2022. To date I have yet to receive my statements via email like I requested, and they haven't posted my statements on my online account. Now I'm in the process of buying a home and have no access to my most recent statement. I called the company to get an online statement or resolve my account issue and their only solution was to mail a paper copy of my statement to the address on file. I feel as though I have a right to receive my statements the way I signed up to receive them, and am now in jeopardy of losing the home due to their delay in posting my statements to my account. I should also mention that the account has now been open since XX/XX/XXXX and has yet to report to my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Dates : XXXX XXXX Amount : XXXX Reference : XXXX Overview : With assistance from my Home Health Aide, XXXX XXXX, I, XXXX XXXX, placed a Moneygram transaction as sender XXXX XXXX ( recently XXXX XXXX ) to receiver XXXX XXXX. XXXX XXXX requested a last name adjustment for it to be recognized and received properly. Moneygram refused even though this has been done before by them. Additionally, they refused to return the money. They gave a " release funds number '' a XXXX. However, there was no way to receive it from that particular Moneygram location. 

Upon going to the new Moneygram location they referred me to, they refused to release the funds unless it was the sender, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NC

Complaint narrative:
I took a look at my Credit Report and noticed a few Hard Inquiries that seem very suspicious. I have never seen these HARD INQUIRIES and I did not Authorize my Credit to be checked in order for these Inquiries to show on my Credit report please remove them asap.

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 2022-12-01 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: AZ

Complaint narrative:
Fraudulent account has been Put on my credit report XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX, XXXX I DO NOT RECOGNIZE THESE ACCOUNTS

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 2022-12-01 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: AZ

Complaint narrative:
Fraudulent account has been Put on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Rent Recovery Solutions has not sent me the information I requested for debt validation 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

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 2022-12-01 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: NY

Complaint narrative:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I took a look at my Credit Report and noticed a few Hard Inquiries that seem very suspicious. I have never seen these HARD INQUIRIES and I did not Authorize my Credit to be checked in order for these Inquiries to show on my Credit report please remove them asap.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I took a look at my Credit Report and noticed a few Hard Inquiries that seem very suspicious. I have never seen these HARD INQUIRIES and I did not Authorize my Credit to be checked in order for these Inquiries to show on my Credit report please remove them asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accscient, LLC
State: GA

Complaint narrative:
Nationwide Recovery Service never sent a letter about a collections of {$220.00}. This has just showed up on my XXXX credit report. I have since disputed this on XX/XX/27 to include validation of debt and received no response

Company response to consumer: Untimely response
Consumer complaint received 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data.

This is a serious issue! The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/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 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm a government employee and I get paid monthly yesterday after I made a deposit to Bank of America located on XXXX XXXX XXXX XXXX XXXX, CA XXXX at XXXX time. I received a print out receipt that shows that my money would be available until XX/XX/XXXX. I contacted the bank on XX/XX/XXXX after my deposit was made, I spoke to supervisor XXXX  who informed me that she was not able to assist me and that I had to wait until XX/XX/XXXX. I called the following day XX/XX/XXXX at XXXX XXXX  I spoke to XXXX I asked her about the Bank of America Policy in regards processing length for government checks at the begining of our conversation she said agree that It was withing one business day then she stated that it was about 7-10 business days. I email tried to contact Bank of America Branch where I made the deposit, I spoke to XXXX and she connected me to Customer service department where I was connected to a representative who's name is XXXX and she informed me that I can't have access to my funds until the XX/XX/XXXX, my mortgage and most payments are due on XX/XX/XXXX. My bank account shows as overdrawn. After contacting the bank multiple times no one is able to help me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation