vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Appeal appeal appeal regarding my cfpb complaint revorded and documented with the cfpb as # XXXX REGARDING XX/XX/XXXX wells Fargo bank response letter stated as sent to my ongoing complaints of fraud activity done on my us legal name of XXXX XXXX XXXX XXXX XXXX and identity theft complaints ( FTC REPORT # XXXX ) I DID NOT RECEIVE WELLS FARGO BANK PHONE attempts OR MAILED RESPONSE As stated. Wells Fargo Bank aka Wachovia XXXX wells Fargo advisors responded via cfpb portal saying that in fact there was an account established for my us legal name in XX/XX/XXXX. I did not establish this found XX/XX/XXXX WACHOVIA Wells Fargo account. I am requesting all signature cards of this established XX/XX/XXXX account address where it was opened and phone numbers and all emails and ipaddresses and all created linked money instrument accounts to this stated established account of XX/XX/XXXX. I am requesting a copy of the opening and all unauthorized transactions on this XX/XX/XXXX account. I am reaching again to XXXX XXXX Wachovia na and wells Fargo and Wachovia na XXXX XXXX XXXX and wells Fargo advisors and all affiliated private wealth management bank and financial institutions that are linked to this stated XX/XX/XXXX account in wells Fargo resobse letter of finally XX/XX/XXXX approx 13 years from the original date that I requested a fraud and identity theft review IN PERSON AT XXXX XXXX XXXX XXXX XXXX XXXX VA WACHOVIA. XXXX LOCATION TO THE BRANCH MANAGER XXXX XXXX XXXX of all my sole owned ssamonies and life savings AND UNAUTHORIZED GAINING ACCESS OF MY STOCK FOLIO AND PROCEEDS FROM XXXX XXXX XXXX XXXX XXXX VA SALE OF MY SOLELY OWNED AND DEEDED XXXX XXXX DOLLARS other monies. PLEASE FAX YOYR WELLS FARGO RESPONSE TO ME ASAP AT MY PAID FAX SERVICE XXXX. Please note Wells Fargo I have followed up with the Security And Exchange Commission of the USA. I received no info regarding this XX/XX/XXXX ESTABLISHED account from ANY FINANCIAL INSTITUTION even after repeated fraud suspicious reports in person by me a US CITIZEN XXXX XXXX XXXX XXXX XXXX. I am need these documents for my records and to know where I need to go and get answers to from this fraud activity and unlawful access of my name and solely owned monies of over XXXX XXXX dollars.

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 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
On XX/XX/2019, I opened a case with Lexington Law Firm to remove a negative item on my credit report. From day one I made it clear that this item was the result of identity theft. For the next 7 months, they charged me their monthly fees, yet failed to follow proper identity theft protocol established by the FTC. 

It is no surprise that their work has led to no impact. Though I understand their stance is to not guarantee results, the fact that they accepted my identity theft-related case yet failed to follow protocol is not acceptable. This is a misleading practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Remove unauthorized inquiries from my reports.

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 2020-03-29 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: TX

Complaint narrative:
Remove unauthorized inquiries from my reports.

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 2020-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Early XX/XX/2019, I was having problems making my VA mortgage payments. Called XXXXXXXX ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with XXXXXXXX -  towards the end of the payment program, I started making large payments. 

XXXXXXXX has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and XXXXXXXX does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.

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 2020-03-29 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: GA

Complaint narrative:
Early XX/XX/2019, I was having problems making my VA mortgage payments. Called XXXX ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with XXXX - towards the end of the payment program, I started making large payments. 

XXXX has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and XXXX does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: GA

Complaint narrative:
Early XX/XX/2019, I was having problems making my VA mortgage payments. Called XXXXXXXX ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with XXXXXXXX -  towards the end of the payment program, I started making large payments. 

XXXXXXXX has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and XXXXXXXX does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.

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 2020-03-29 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: NJ

Complaint narrative:
i submitted a dispute and the credit reporting agency said they investigated with a third part witch they could not have because I have a security freeze and have documents to prove it and the court doesn't not report to credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: TN

Complaint narrative:
Reporting inaccurate information on my report they are getting information from a third party vendor they did not verify account they keep saying they verified it as being accurate failed verify physical verification or to tell me what is the person name who verified the account how did they verify my account I contacted the original source and they provided to me they in fact do not report to credit bureaus third party vendor is inaccurate

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 2020-03-29 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: Child Support Recovery Services, Inc.
State: FL

Complaint narrative:
I have been disputing the identity theft I discovered on my credit report. Most of the accounts have been removed but there are still quite a few that are still fraudulently reporting. They are affecting my score and credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Credit Karma, LLC
State: MN

Complaint narrative:
CK ( Credit Karma ) is adverting a sweepstakes ( ). According to the Sweepstakes Rules ( https : //www.creditkarma.com/lp/50ksweepstakesrules/ ) 1 ) you can not have an existing ( " CURRENT OR PREVIOUS CREDIT KARMA SAVINGS ACCOUNT HOLDERS ARE NOT ELIGIBLE. '' ) CK Savings Account and be eligible and you must 2 ) open it IN/USING CK Tax ( " ( iii ) using the Credit Karma Tax   product to open a Credit Karma Savings bank account '' ). I can not find any place IN CK tax to open a CK Savings Account. I have contacted CK 's XXXX Team, used the Chat feature in CK Tax and contracted CK support multiple times inquiring how to open a CK Savings Account USING CK Tax - they have only sent me information about CK Savings Account and instructions/links to instructions on how to open a CK Savings Account NOT USING CK Tax product ( via the general CK website/dashboard - not in the tax product ).

CK is advertising a sweepstakes to get people to open CK Savings Accounts. I do not see a way ( believe there is a way ) to open a CK Savings Account as per the written terms and conditions of the sweepstakes ( using the CK Tax product ). CK Support is unable or unwilling to state that the terms are incorrect ( e.g. that the account should be opened outside CK Tax ) - which is unacceptable for a financial services provider - OR provide instructions on how to meet the terms and conditions of the sweepstakes ( open a CK Savings Account USING CK Tax product ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been disputing the identity theft I discovered on my credit report. Most of the accounts have been removed but there are still quite a few that are still fraudulently reporting. They are affecting my score and credibility.

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 2020-03-29 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: NCB Management Services Inc.
State: FL

Complaint narrative:
I have been disputing the identity theft I discovered on my credit report. Most of the accounts have been removed but there are still quite a few that are still fraudulently reporting. They are affecting my score and credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: CA

Complaint narrative:
Mailed in a lengthy thorough dispute that went ignored by XXXX and Transunion, I also upload the same information using their uploading system. Since the law requires them to respond to my claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft. Please see attached documents that support my claim of identity theft. Please delete the accounts I've outlined in my dispute. The FCRA also states that I have the right to dispute inaccurate and incomplete information. These accounts are inaccurate and fraudulent. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I had no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department.

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 2020-03-29 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: CA

Complaint narrative:
Mailed in a lengthy thorough dispute that went ignored by Equifax and XXXX, I also upload the same information using their uploading system. Since the law requires them to respond to my claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft. Please see attached documents that support my claim of identity theft. Please delete the accounts I've outlined in my dispute. The FCRA also states that I have the right to dispute inaccurate and incomplete information. These accounts are inaccurate and fraudulent. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I had no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I was forced to use XXXX on three different occasions. On one trip, I was forced to take the even though it was only a 5 minute ride to another campus of the hospital and I had someone there to drive me. Another time, I was charged over {$3000.00} for a ride to another hospital when I didn't request it. It's not my fault that XXXX hospital was full and they had to transfer me. Why should I pay for that? I'm a XXXX  Vet with XXXX issues and expected to go to the hospital in my city for these emergencies. I had insurance during this time and these bills were paid by my insurance company. This company is scamming the system and overbilled, charged waaayyy more than necessary, and never even contacted me by phone or let me know it was going to collections. I never received any collection letters or calls. Only invoices. It went from service on XX/XX/XXXX to NEGATIVE REPORTING ON CREDIT REPORTS ON XX/XX/XXXX with no warning in between. I have been on XXXX for my issues, so clearly I don't have the thousands of dollars they are requesting. Also, now I am sick with XXXX  and was about to apply for a loan to take care of my family when I see that they put THREE collections on my credit reports during a time when the governor requested a moratorium on such actions from XX/XX/XXXX-XX/XX/XXXX + maybe longer. They were so spiteful, they put it on my credit reports in the middle of a crisis, on XX/XX/XXXX. I want the negative info. removed from ALL of my credit reports ASAP or I will be seeing a lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Law Office of Steven A. Booska
State: CA

Complaint narrative:
This company is trying to collect nearly {$16000.00} on a {$7200.00} private loan debt from XX/XX/XXXX. it was with XXXX XXXX but they bought the debt in XX/XX/XXXX for a few hundred dollars. They sued me in XX/XX/XXXX, but never notified me of the lawsuit or even notified me that I owed THEM the money. I have court documents proving I was insufficiently served but Since i never knew about the lawsuit or court date, I did not show up and a judgement was made against me. I still was never notified of the judgement, or even made aware of the debt ( which had since doubled because of interest ) until last month ( 8 years later ) when my employer received a wage garnishment notice. The next day my bank account was drained, and so was that of my mother and father. I called the creditor immediately because i had no idea why these actions were being take, and the woman told me I must pay her {$8000.00} within 10 days or they will take {$200.00} a week from my paycheck and keep all the money taken from our bank accounts. She refused to tell me whether the statute of limitations were up, and told me to 'ask my grandma to take out a loan to pay them ' or 'ask my boss for money ' to pay them. This was extremely inappropriate and unprofessional. I told her I was getting a lawyer and she told me it was a bad idea because there is nothing I can do. The incessant phone calls and fake legal documents bombarded me and my family. Actions which could have been taken at any point in the last 10 years so i could have worked something out. I went on to get a lawyer, who sent a letter to the creditor saying they are not to contact me or may family and all communication should be through him. Yet every weekend the company sends 'notice of levees ' against me and my parents and continues to harass us. Not only were we under extreme economic hardship prior to their actions, it is now worse and taking a toll on my well being and the well being of my family due to their relentless attempts to strong arm money out of an already struggling family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: OH

Complaint narrative:
I have been trying to fix incorrect information on my Experian report for almost 6 months. I have supplied proof and they still refuse to remove the incorrect reporting on my credit report. I have attached a copy of the cancellation of debt letter from XXXX XXXX that shows debt in the amount of {$28000.00} was cancelled for loan number starting with XXXX. Open date of the loan was XX/XX/2007 for {$25000.00}. Experian is showing the account as a charge-off and that not correct. This account is not charged-off the debt was cancelled and needs to reflect the - $ XXXX- balance and the correct status. I have attached a copy of the notice that was sent to me, in which I also sent to Experian that refuses to investigate the matter. Any assistance would be greatly appreciated.

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 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We called on XXXX to PHH Mortgage company as we all bunker down and brace for this Virus to rid itself from our Nation. Loan # XXXX One of Floridians biggest bill is our mortgage and we pay our bill every month. 
Hard working Floridians have lost major income. They sent me a letter of " Temporary Hardship Forbearance Plan Offer, which I don't have to pay anything for 3 months and then on XXXX, I have to pay a lump sum of {$6500.00} We are losing income as our hours are cut and that means a lot of items need to be put on the back burner.That is not help. If, I cant pay now because my work hours have dropped considerable, what makes them think I would be able to pay the 3 months in one shot? 
So, when I reached out, again, to my mortgage company, PHH Mortgage, I reached out by phone, email, by US postal service and by fax, no one answers, no representatives are available, no customer service, please call later the machine says but I keep calling to see, if they can place, at least 3 months to the back end of the mortgage. We are not asking for a freebie just to help out in this time of National Emergency. Modification with forbearance is called.

Company response to consumer: Closed with explanation