vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau is reporting an erroneous debt on my credit file and it must be removed. I recently looked at my credit report and noticed this debt was reporting. I never received calls, letters, or any notices about this debt before reporting on my credit file. This violates my 30 day right to dispute under the FCRA. Not only that, this account is past the statute of limitations in the state of Utah according to my attorney general. You can no longer make any collection efforts on this account and it must be removed. If this wasn't enough, it's also past the credit reporting limit! Please remove this account immediately. I am aware that you are the furnisher and can report to the bureaus as you deem fit, so please do not say you can not remove this, I know that you can and you must.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
Loan was serviced by XXXX I enrolled in the covid assistance program around XX/XX/XXXX and received an extensions XX/XX/XXXX and XX/XX/XXXX from XXXX to expire XX/XX/XXXX. 

As of XX/XX/XXXX the amounts past due was as {$5300.00} with {$1300.00} due XX/XX/XXXX for a total amount due of {$6700.00} none of the amount due was late fees. ( ref XXXX XXXX statement ) Immediately following this statement the servicing was transferred to Carrington mortgage. 
I received a Statement from Carrington dated XX/XX/XXXX showing a past due of {$5300.00} with {$1300.00} due XX/XX/XXXX and {$220.00} in late fees for a total of {$6800.00}. Along with the threat of foreclosure. Ref Carrington XXXX Statement. 
I immediately called XXXX and Carrington about the Covid protections : XXXX responded that the Covid protections follow the loan to the new servicer and that Carrington may not have received all of the info yet, and that no fees had been charged by XXXX. 

Carrington says that the fees where previously owed to XXXX and that they had no record of the covid forbearance. I immediately enrolled online for covid protection on their website, and was granted until XX/XX/XXXX. 
I have made all payments showing due to avoid any credit reporting or foreclosure issues prior to the expiration of the latest covid assistance period resulting in the amount of {$170.00} paid year to date in fees to Carrington. Ref XXXX Carrington Statement. 
I have tried to resolve this issue with Carrington and they say they where fees from XXXX when the loan was transferred. Both companies just point the finger at the other. 
In addition I asked Carrington to provide me the name of the FHA Mortgage owner and they said all they do not have that info, this is a FHA loan. I was seeking this info to seek help from the backer as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
We sold our home and the loan with Alliant Credit Union was paid off on XXXX XXXX. Alliant rep XXXX said a check for {$4500.00} was mailed on XXXX XXXX for escrow overage. The check never arrived. On XX/XX/XXXX, I spoke with XXXX and he stated that I must give the check 30 working days to arrive. Called Alliant again on XXXX XXXX and was told by XXXX that the check was sent to our address of the sold home and it most likely would not be forwarded to the new address. She suggested a change of address and then would have check reissued. Change of address form was emailed on XX/XX/XXXX. Still had not received the check by XX/XX/XXXX. Phoned again, spoke with XXXX and asked to speak with a supervisor. Spoke with supervisor, XXXX, she said they never received the change of address. I emailed second change of address and was told the check would be reissued the next day. Phoned on XX/XX/XXXX and spoke with XXXX, she stated that the address change was processed and the check was reissued that day. Stated to give the check 15-30 days to arrive. XX/XX/XXXX still have not received the escrow overage check. I asked to speak with a supervisor, spoke with XXXX who stated that their check writing department is " really backed up from people calling asking for checks ''. I told her that was an unacceptable answer and this needed to be resolved today. She said the best she could do would be to manually request another check and ask that it be expedited, stated it would take at least 14 days to arrive in the mail. Totally unacceptable that I have had to wait almost 5 months for my money and it still has not arrived even after multiple attempts to resolve. The company is taking no responsibility only stating that they are very busy!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone has gotten ahold of my social security number and is using my information to apply for lines of credit and its hurting my score. I do not believe i should suffer for the identity theft that has been taking place unknowingly on my credit report. I believe the right thing to do in this situation is to remove these inquires from my credit report. 
XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consolidate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone has gotten ahold of my social security number and is using my information to apply for lines of credit and its hurting my score. I do not believe i should suffer for the identity theft that has been taking place unknowingly on my credit report. I believe the right thing to do in this situation is to remove these inquires from my credit report. 
Experian inquires XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX consolidate XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2021-04-09 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: GA

Complaint narrative:
I have filed a total of 11 disputes certified with return receipts to credit bureau EXPERIAN to no avail. My initial dispute was sent on XX/XX/2021. EXPERIAN responded validated the accounts. Pursuant to FCRA 611 ( a ) to request a complete description of all methods used to investigate these accounts. The accounts are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. EXPERIAN continues to send me generic letters explaining their investigation process which is NOT what I asked for. EXPERIAN is clearly violating FCRA laws but not providing me detailed information about how they investigated these inaccurate accounts. I requested a method of verification on XX/XX/2021 via certified mail with returned receipt that was received by EXPERIAN on XX/XX/2021 that gave them 15 days to respond providing me with the method of verification. To date, I haven't received any method of verification from XXXX.I spoke to a representative whom stated that I need to dispute with the creditor directly, I informed her the law allows me to dispute directly with the credit bureau since they are the ones putting inaccurate information on my credit report .She stated she would have a supervisor to contact me.

These accounts need to be updated/ and or removed to reflect current as EXPERIAN is in direct violation of the FCRA laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been a victim of a scam that tricked me to wire money overseas from my Chase saving account. At the time, I didn't know that I had been scammed. I had no relationship or knowledge of the recipient. The scammer impersonated an FBI agent asking for money to be wired internationally to be in a safe account. They made me believe that my identity was stolen and that someone opened dummy bank accounts in my name ( not realizing that they were stealing my identity as it was happening ). 
I sent {$160000.00} to XXXX XXXX in XXXX on XX/XX/2021. The scammer informed me that the money was not received by the recipient and there was a problem and that I needed to request a wire recall. I contacted Chase customer service the following day on XX/XX/2021 and the person I talked started a case and stated to check back in 2 days. When I called back, the told I have to send secure msg through the app. I went to the branch where I sent the wire and they didn't help. I eventually sent the msg through the secure app. The respond I received " msg received, will get back to you in 24-48 hours ''. Then their response has been " we sent swift code to the recipient bank and didn't receive a response yet ''. Ultimately they closed the case. Once I realized the scam and reported it the police, I called back customer service and they re-opened the case. Again they Chase through secure message claimed that they sent Swift msg to XXXX XXXX in NY and didn't receive a response. At one point, when I sent an inquiry about status, they stated that XXXX in NY is helping them to connect with their branch in XXXX. It seemed like the messages I received from Chase were not consistent neither helpful. Not sure what to make of a bank not receiving a response from another bank ( whether positive or negative ). To this date, Chase couldn't and didn't tract the wire to tell if it has been cashed or not. The way Chase handled this was very upsetting and extremely unprofessional and frankly unethical. If Chase had acted on the wire recall immediately within 24 hours as I requested, the money should had been back.

Chase neglected to do its job and committed grave and inexcusable negligence. Now as of yesterday, they decided to close the case claiming that they didn't receive a response from XXXX in NY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TN

Complaint narrative:
In XX/XX/XXXX I was having difficulty paying my mortgage and came to a forbearance agreement with the bank ( XXXX XXXX ). XXXX XXXX was having difficulty showing this on our statement, but stated that we were in full compliance. In XX/XX/XXXX XXXX XXXX  bought out XXXX XXXX and took over our mortgage. Since the billing was never corrected, XXXX XXXX took that as if I was delinquent. We reached out to XXXX XXXX immediately to try and resolve the confusion. This has had no response or resolution. XXXX XXXX turned us over to their collection department which have reported multiple delinquent payments on our credit reports which drastically affected our credit score. We have been in talks with XXXX XXXX a Vice president at the XXXX TN location. He keeps saying they are working on it, but nothing has been done and we keep getting negative remarks on our credit score on all three credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Dear WFDS, My account, # XXXX, is displaying that I have disputed and I disagree on your results. This account is under good stating and I am 100 percent satisfied with your reporting on all levels expect in the " comments '' area as you can see by the image I provide. 

Could you please be so kind to remove the comments, as I am not sure why you would say I am disputing or disagreed to your report. I am not doing either!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I noticed that a XXXX transaction had been transferred from my Capital One Checking account in the amount of {$850.00}. I did not authorize this transaction and immediately called Capital one on XX/XX/XXXX to report fraud. I was given a case number # XXXX and was told I would need to wait 10 days until the review was completed. 
On XX/XX/XXXX I received an email that Capital one was closing my account and I would not be able to bank with them anymore. The representative for capital one told em that it was likely they would not be able to refund me the money for the fraudulent claim. I am still waiting for the conclusion of the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX This certified letter, receipt number : XXXX is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 1 day of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 

I have hired a consumer attorney to assist me in this matter. 

1.XXXX Original creditor : 01 XXXX XXXX XXXX XXXX {$270.00} Account number XXXX Collection opened XX/XX/XXXX 2.XXXX XXXX Original creditor : 06 XXXX XXXX XXXX XXXX {$140.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX 3. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1200.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1000.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account 5. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1000.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XXXX  XXXX, XXXX Loan Amount {$1000.00} Experian collection XXXX XXXX XXXX/ Original creditor : XXXX XXXX {$4400.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened 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 2021-04-09 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Around XXXXXXXX, I became aware of a account that was Fraudulently opened with XXXX XXXX via my credit report for a collection from Transworld Systems for the amount of {$340.00} I have called XXXX XXXX many times, and followed all instructions they have given me to get this debt collection removed. This month i was finally able to speak to a general customer service rep who informed me of all the details of the fraudulent account. See details of this fraudulent account below : - Fraudulent account # XXXX - Fraudulent Address : XXXX XXXX XXXX, XXXX Tx XXXX The main & only avenue they provided me to adress this was to email XXXX and provide them with the following : - Copies of two ( 2 ) types of utility bills or formal correspondence such as tax, employment or school documents in your name from different vendors/providers as proof of residency during the service dates under investigation - A notarized ID Theft Affidavit ( stating you are willing to press charges if necessary ) Copy of a full Police Report ( Please note that a report number will not be sufficient. We need a complete copy, obtained from the police department. ) - A legible copy of your Social Security Card - A valid government-issued photo identification card ( for example, your driver 's license, state-issued ID card or a passport ) I have done all those things, and have called back to their fraud department XXXX ... i have not received a response by email or not have been able to reach anyone at his point. 

I did not open any account with XXXX XXXX & feel at this point i am not getting any help to remove this fraud from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have Contacted XXXX and their collection agent Caine & Weiner about this report on my credit report and ask them to proof of this debt and have disputed it with the credit reporting agencies. All I ask is that they send me proof of the debt or remove it. As I had no relationship with XXXX at that time and was insured by a different insurance company I don't feel XXXX should be reporting this with out proving proof. I can't provide and documents as I was not a customer of theirs at that time.

Company response to consumer: Closed with explanation