vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
While my complaint is massive with Wells Fargo, I would really like consumers to be aware of what Wells Fargo is doing with respect to COVID-era assistance. In XXXX of XXXX, Wells Fargo offered COVID assistance in the terms of a 3-month deferral through a blanket email sent to all mortgage customers ( an email I no longer have and one Wells Fargo flat out refused to send again for our records ). Our mortgage maturity date is XX/XX/XXXX, and Wells made it clear the deferral would not include an extension of the maturity date. Now, due to this deferral, offered by them and NOT sought out by us, they have accelerated the maturity date by 3 months because we paid the deferred amount in our mortgage payments since XX/XX/XXXX. A big no, no according to Wells Fargo ( to customer 's that consistently paid for 23 years with not a blip ). Please let consumers know if they are trying to make small payments on top of their regular mortgage payments to make up the COVID offered assistance, Wells Fargo will call your loan ahead of the maturity date. Depending on particular circumstances, Wells will also claim they told you all about that in a letter dated AFTER the deferral period and repayment beginning ( well, at least that's what they did our case ). I have requested documentation from Wells for the period before XX/XX/XXXX, but was told there was none that could be seen, and asked why we would even request that ; very odd interactions given the history of making all payments, on time, as agreed to in one form or another.

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 2023-08-18 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:
XXXX, XXXX, and Transunion is reporting the below referenced alleged accounts on my credit report as a collection account. 
- XXXX XXXX XXXX original creditor is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX / original creditor is XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Original Creditor is XXXX XXXX I have disputed these item with the credit reporting agency , and they reported these accounts we're confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports. A bill is not proof of an account ownership. Also, XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX is in direct violation of the HIPPA Law.

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 2023-08-18 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:
Equifax, XXXX, and XXXX is reporting the below referenced alleged accounts on my credit report as a collection account. 
- XXXX XXXX XXXX original creditor is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX / XXXX creditor is XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor is XXXX XXXX I have disputed these item with the credit reporting agency , and they reported these accounts we're confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports. A bill is not proof of an account ownership. Also, XXXX XXXX XXXX and XXXX XXXX XXXX is in direct violation of the HIPPA Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: VA

Complaint narrative:
I received a copy of my consumer report recently after being denied an extension of credit due to reported late payments. Consumer reporting agencies have a duty under federal lawto report consumer information as accurately as possible. The items in this dispute have different information reporting across all bureaus which is a violation and not reporting 100 % accurate as required by law. I have never been late on payments for the account listed in this dispute. By law they must produce proof with statements proving that these payments were late as required. If they do not provide sufficient proof then this constitutes noncompliance and is a violation under 15 US Code 1681i ( e ).

I sent my initial letter to the credit reporting agency on XX/XX/2023 informing them that there was inaccurate information and that they had 30 days to do investigate per the FCRA and failed to investigate in the allowed time frame. I sent a demand to comply letter XX/XX/2023 informing the credit reporting agency that they failed to follow procedure and that I never received investigation results and they still refuse to investigate and send me results. 
More than 60 days had passed so I drafted an affidavit of facts on XX/XX/2023 outlining all the violations they committed and sent to the CRA along with a CFPB complaint. The company responded via the CFBP complaint portal that they have 60 days to respond. It has been more than 90 days since my initial notice which is more then allowed under the FCRA. I am demanding the items in this dispute be removal immediately and my affidavit is rebutted as required under law now!!!!

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 2023-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/2023, scammers accessed my Wells Fargo account and set up a wire transfer of {$25000.00}. They then called me from what appeared as Wells Fargo 's XXXX number and impersonated Wells Fargo 's fraud department. They told me my account was compromised but they would assist with securing everything and reversing any fraudulent transactions. They told me we would be sending a wire back to myself to rectify the situation. The wire appeared as if it was being sent to me but was sent to a XXXX XXXX XXXX  account to someone I have no relation to. The wire was unauthorized and does not benefit me in any way. The next morning I contacted Wells Fargo regarding this matter and they referred me to the fraud department phone # and instructed to call on Monday morning, XX/XX/XXXX, which I did. 

On XX/XX/XXXX, I filed a claim with the Wells Fargo fraud department and they assured me my money would be refunded within XXXX business days. On Monday XX/XX/XXXX, I received a letter in the mail stating I would not be reimbursed the money per Wells Fargo 's terms and conditions. This is in clear violation of the EFTA, regulation E. I have escalated the claim and received notice from Wells Fargo that they are looking back into it.

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 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
LVNV funding LLC has not provided validation of debt as requested. I also never signed a legal contract with LVNV Funding LLC, nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and have received nothing but cold texting, and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: GA

Complaint narrative:
I have disputed these fraud account thats not mines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed these fraud account thats not mines

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 2023-08-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern Thank you for hearing my compliant for this is my second attempt to resolve this matter with Experian... .I am a XXXX XXXX that lives on a fix income and for some reason this company has reported a account that i had never opened...... I have all satisfactory accounts on my credit reports...... I feel that i am being taken advantage of and also being discriminated as a XXXX XXXXXXXX XXXX  ... .My next action will be take civil action for this can be very expensive for me but atleast i will have fair treatment ... ..Please help me because the other credit agency have resolve this matter in a timely matter...

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On, XX/XX/XXXX, I received my, Transunion Report by mail and discovered why I have not been receiving any of the credit that I truly deserve from neither, Transunion, XXXX nor, Experience. MY " Identity '' has been stolen by an individual living in, XXXX, Wisconsin since apparently, XX/XX/XXXX or sooner. The following, Adresse 's, Phone Number 's, and Date 's of residency that I now submit to you are all, " FAKE '' and " FRAUDULENT INFORMATION '' used by the individual that stole my " Identity '' and used those locations, and phone numbers to secure fraudulent, Loans, Properties, Bail from Jail, Credit Cards, Attorney 's, and Rental Residences without neither my, " Permission '', nor my " Knowledge '' : " ADRESSES '' : 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 

" EMPLOYMENT '' : XXXX XXXX XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) During this entire time, I had been " XXXX  '' in the, XXXX XXXX XXXX XXXX If you send me an, " Email Adress '' to my email ( XXXX ), i will send you my, XXXX XXXX XXXX XXXX, " Record Of XXXX '' so that you can very easily " Verify '' the fact that, during the entire time that my identity had been stolen, " Unbeknowngst '' to me, i was XXXX and serving a XXXX XXXX in the, XXXX XXXX XXXX XXXX. In it being humanly impossible for me to be in, " TWO PLACE 'S '' at the same time, thus proves my " Complaint '' to you, " Transunion '', XXXX, and XXXX that my identity has been stolen by these individuals during such time that I was paying my debt to society, my " Identity '' had been stolen, and " Exploited '' for financial gain in every way possible leaving my, Credit Scores, and entire credit file ruined. Please fix this issue, and " Investigate '' this matter as soon as possible, then please, " Re - Adjust '' my credit scores accordingly? Thank you. 
Respectfully, 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 non-monetary relief
Consumer complaint received 2023-08-18 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: GA

Complaint narrative:
I have disputed these fraud account thats not mines

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Equifax.com states that I tried to log in too many times and locked my account. I telephoned working with their customer service representative to verify my personal information and asked that mycredir file be unlocked. The CSR asked me to check if a VPN was in effect on my mobile device. There is no VPN on my mobile device in effect. I asked a fraud alert be placed on my credit file with Equifax.com. The CSR placed a fraud alert on the credit file effective one year or until I ask it be removed. 

I reset the password. Still the website is not allowing meto access my credit file Similarly my credit score with JP Morgan Chase Bank was dropped some XXXX +points over a less than one week period of time for unsaid reason. I checked my information for my personal checking account with Chase Bank and it said something like credit ratio to credit charges due imbalanced above XXXX , %. 

I have 2 credit cards. The credit card in question I paid thern the entire balancedueof slightlyless than {$200.00} or I remitted {$190.00} last week. I used the card flowing payment and that's thereSon that is written on my Chase Bank credit file and then Chase dropped the credit score to XXXX. 

XXXX I was told the day before yesterday has prevented my being able to get acreditapproval to relocated an apartment from a hotel room where I have bern calling it home now plus 8 yearshere in XXXX XXXX 's financial District. This is collusion to keep my down this way andu fair treatmentof a customer and client. Simply it is an unfair situation where I played above board fair with both Chase Bank and XXXX com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: Block, Inc.
State: GA

Complaint narrative:
on XX/XX/XXXX, I contacted " XXXX '' on XXXX ( sell/buy app ) to SECURELY purchase a {$390.00} XXXX XXXX XXXX XXXX from them. They told me the app wouldn't be able to confirm their banking info for a few days and that they were ready to ship it tonight. They then told me to cash app them the money so they could ship it and I receive my product as quickly as possible. I then sent the money through cashapp using my chase credit card and they sent me a tracking # via fedex. They told me I should receive the product no later than XX/XX/XXXX. I was later blocked by " younglo '' on XXXX and message so I have no way of contacting them. Cashapp would not start a dispute on behalf of it being scam, and same with my bank. So, I started 2 fraud disputes and they later came back denied due to me authorizing the purchase. However, I have mountains of proof that I will not receive the product in question and that this was a blatant scam -- which is still a fraud claim. My address and personal name have been compromised and I am extremely terrified this person may try to access more of my information -- and even scam others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: GA

Complaint narrative:
I got unauthorized inquiries on my report that has no purpose to be on my credit report 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting ogency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven yeors.

15 U.S.C. 1681s-2 ( AJ ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is ineccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XXXXXXXX XXXX  XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX  XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX Removal 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 non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an automatic payment setup for my mortgage at XXXX XXXX XXXX XXXX. XXXX submitted the debit for my mortgage payment on the XXXX to my Bank ( Bank of America ) checking account that I have setup for this payment. I noticed on the XXXX that the payment was processing and noticed that the account was short XXXX dollars for that payment so I made a XXXX transfer on the morning of the XXXX from another bank account at another bank to make sure that the amount of my mortgage was covered. On the XXXX I logged in to my BofA account and noticed that the there was a returned payment to XXXX for my mortgage due to NSF. I called to BofA to get clarification and was told that since I didn't have the funds in my account the payment was returned unpaid. I advised that I made a transfer from a different account when the payment was still marked " In Process '' so why would they send it back. They advised that this was all done the same day. I advised that it was not. Now I'm getting a NSF fee from my mortgage bank XXXX due to the lack of communication from BofA. when the payment was still marked as " Processing '' and the funds were added on my account to cover my Mortgage payment. 

When I told BofA I would be submitting a complaint to CFPB and OCC about this they just brushed it off and advised that there was nothing they could do. 

BofA Account number : 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 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX has not provided validation of debt as requested. I also never signed a legal contract with XXXX XXXX XXXX, nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and have received nothing but cold texting, and harassment.

Company response to consumer: Closed with explanation