vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Home Mortgage. I have XXXX loans. 
I had XXXX, lost my job and have long haul effects. I regained part time work. 

Tried working with Wells Fargo Home Mortgage to seek a modification. After working with them for 5 months, completing, sending, faxing, scanning everything requested it was a virtual black hole of needless hours on the phone, email, text messages only to be TURNED DOWN.

I am a retired senior on limited income. Typical BATE AND SWITCH TACKETTS, TO APPLY FOR MODIFICATIONS, TRYING TO GET ME TO OPEN UP CHECKING ACCOUNTS, ETC FOR FEES. 

THIS IS THE WORST LARGE BANK IN THE COUNTRY.

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 2022-04-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: CA

Complaint narrative:
Before child support payment started going to Way2go card, they were with XXXX XXXX. I had monies on my XXXX  XXXX  that were taken fraudulently, ( I logged in to the child support portal and saw deposits were made that I never knew about and I never got the money ) I reached out to Dept. of Child Support and they said to contact Way2go for replacement card and prior statements/transactions on the account. I called Way2go and requested these things but they were never sent. Someone used my card and they aren't sending me to things I need to prove the fraud and get the money that my kids dad paid in order to take care of our children. Someone stole my kids money and Way2go is not following through with helping me A ) GET A NEW CARD ( I never received one when the switch took place from EPIC to WAY2GO ) B ) I NEED TRANSACTION HISTORY TO DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Sent off multiple letters to resolve this issue and have yet to receive a response or paid invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MM RV JV 1, LLC
State: SC

Complaint narrative:
I submitted a refinance application with Interest Mortgage, I reviewed the application several times with the loan officer and i repeatly state my interest in only paying for an Appraisal if and when I was conditional approved and the appraisal being the only item needed to clear and approved my loan request. The loan officer stated several times, that he will only ask me to pay for it, if that was the only thing keeping the loan from clearly/approved. After several delays, my applciaiton being reasigned to another processor and many emails to obtain a status. I finally after several weeks of waiting, recieved a conditionally approved mortgage with the only items to clear, being statement of debt that I would pay off at closing and the appraisal. I was quote {$530.00} for the appraisal, which i paid for and after waiting several weeks for an appraiser, i received an email stating that my appraisal cost increase and I would need to pay the difference of {$65.00} dollars, I ask questions and ask for proof which none were provided. In the middle of this, my processor was change and out of the blue, i received a call from the worst appraiser in the country to schedule an appraisal. I reach out to the processor and was inform the company would pay the difference, that is agains the law for the mortgage company to pay for an appraisal for any type of loan. XXXX XXXX XXXX. After waiting several weeks, i received a letter from the compay stating my loan was denied due to insufficient income to loan. Which was something that was clear from the beginning of the applicaiton process. 

I have ask the mortgage company for the refund for the appraisal since, i have mutiple times request that i would only pay if my loan was required as the final items for final approval. this mortgasge company stole my money and send a bogus appraiser to conduct the appraisal that was corrected two times.

I am asking for a full refund of my {$530.00} dollar i pay for a services I did not recieveed as expected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11 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: UT

Complaint narrative:
ON XX/XX/2022, I CONTACTED XXXX XXXX. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY XXXX XXXX XXXX CREDIT REPORTS. 
FOR SOME REASON XXXX XXXX AND XXXX XXXX HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH A XXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: LEXISNEXIS
State: UT

Complaint narrative:
ON XX/XX/2022, I CONTACTED XXXX XXXX. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY XXXX LEXIS NEXIS CREDIT REPORTS. 
FOR SOME REASON XXXX XXXX AND LEXIS NEXIS HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH A XXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: UT

Complaint narrative:
ON XX/XX/2022, I CONTACTED EXPERIAN XXXX. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY EXPERIAN XXXX XXXX CREDIT REPORTS. 
FOR SOME REASON EXPERIAN XXXX AND XXXX XXXX HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH A XXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF 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 2022-04-11 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: MI

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, my vehicle was stolen from outside my old apartment complex ( XXXX XXXX XXXX  ). The complex refused to take any action or ensure my safety & completely stripped me of my livelihood. My vehicle was broken into a month prior on their property & the lease I had signed with them stated that they must take security measures & they never did. They lied about having security. So, I ended my lease with them early & moved out. After moving out, I was the one who cleaned the entire apartment & found someone to take over the rest of my lease. They moved in the beginning of XX/XX/XXXX. I paid the remaining days of my lease & the days they had not moved in yet & the complex said it would be all good to go after that. Fast forward to XXXX. The apartment is now trying collect remaining rent and utility payments after someone else already moved in & took over. I had disputed this through XXXX, explained the situation & sent an entire word document with proof that the complex knew someone else moved in & took over the remainder of my lease. XXXX removed the collection from my credit & I thought everything was taken care of. In XXXX of XXXX, the collection was placed back onto my credit report. XXXX said this happened because the confirmed with the collection agency that the debt was correct. The debt is not correct & everything was taken care of. Carter-Young Inc. was very unprofessional, they called & harasses my boyfriend at his previous place of work multiple times & used derogatory language with my mom over the phone as well. The debt amount they are trying to collect is for XXXX of XXXX, months past me living there. I paid what I needed to & found someone else to take over the rent & payments. I moved out XX/XX/XXXX & had everything taken care of. This debt is not correct & it was also happening in the middle of Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
XXXX - XXXX Reporting inaccurate information. This is a FCRA violation. I was Never late on XXXX, XXXX or XX/XX/XXXX or anytime!!!!!!!!! This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information.

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 2022-04-11 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: FL

Complaint narrative:
XXXX - XXXX Reporting inaccurate information. This is a FCRA violation. I was Never late on XXXX, XXXX or XX/XX/XXXX or anytime!!!!!!!!! This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information.

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 2022-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, i initiated a transaction via XXXX of {XXXX to a recipient through my Citibank checking account. The {XXXX} was debited on the date of the transaction and on XX/XX/XXXX ; the {XXXX} was credited to my account due to my failure to complete the transaction on XX/XX/XXXX ( I forgot to put in the verification code the bank sent me ). 
On that same date XX/XX/XXXX ; once in receipt of the {XXXX}. XXXX in my account ; I initiated a new transaction in the amount of {XXXX} to the same recipient. Immediately following my transaction, the bank activated the previous aborted transaction of {XXXX} and sent it to the same recipient even though it was my request nor authorized by me. Since I didnt have {XXXX}. XXXX in my checking account, the bank withdrew the {XXXX} from my line of credit. 
When I contacted the bank, I was told that they already sent two transactions totaling {XXXX} to the recipient and it was my responsibility to call the recipient to get my {XXXX} refunded. It explained to the bank or rep of the bank that first the error wasnt mine to fix and secondly, I couldnt get hold of the recipient. Still the bank refused to credit my account and I refused to pay for the {XXXX}. XXXX which eventually went on my credit report. 
I have a 100 % payment history with Citibank prior to this incident and a credit score of above 750 ; this negative report is damaging to my XXXX XXXX nevertheless I refused to pay for any money that I didnt authorized. 
More forward to XX/XX/XXXX I received a letter from Citibank that the recipient didnt received the {XXXX}. XXXX and I was to get a check which I received a week after. I contacted Citibank to have the negative report removed from my credit history and was informed in writing that date if the transaction / claim was outside their scope of the time to investigate therefore they cant honored my request. 
I am kindly asking for assistance to have the negative report remove from my credit history.

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 2022-04-11 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: FL

Complaint narrative:
XXXX - XXXX Reporting inaccurate information. This is a FCRA violation. I was Never late on XXXX, XXXX or XX/XX/XXXX or anytime!!!!!!!!! This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This is a formal complaint against Transworld System Inc located in XXXX XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Transworld System Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: NC

Complaint narrative:
I was affected by XXXX which caused a financial hardship in XX/XX/2022. I contacted XXXX XXXX in reference to account # XXXX and they made accommodations on my account and removed the 30 days late fee. Under the Cares Act my account should be reporting as current on my credit report for the month of XXXX 2022. I am requested that the 30 day late be deleted from my credit file.

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 2022-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband XXXX XXXX died in XX/XX/XXXX, and I visited BOA downtown XXXX XXXX location with all paperwork after finding his empty checkbook. I'd already tried to change his banking passwords, as I had his email access, but I couldn't get in. 
After an hour spent downtown with banker XXXX XXXX, I was eventually told I had to make another appointment with a notary after the Death Certificate was issued even though I already had a different letter from the county. ( Due to XXXX, the morgue was months behind in issuing official death certificates ). 

Visited Notary at the XXXX location ( XXXX ) with XXXX etc to complete papers. Notary assisted, though something had to be re-faxed a few days later for missing a form number or signature. Explanation unclear, papers faxed. 

XXXX : received closure completion guaranteed via email ( have this ) from the original banker XXXX XXXX at the downtown location. Then I never received anything or heard back. I followed up by email in XXXX and never received a response. 

XXXX : Visit XXXX branch with paperwork and to ask where things were. Updated new apartment number. ( There was a delay because I lost my ID and could not provide it to update the records. In my paperwork, it looks like the notary didn't sign?? the first time?? ) XXXX : Start complaining on XXXX, hear from several BOA SM/PR associates. Receive a phone number, finally get someone on the line. Was told I never had a banker assigned my case ( not even original banker XXXX XXXX ) but now this is resolved. Was told something was sent in XXXX ( I moved apartments in XXXX and already wrote to them. ) Was told they would send a new check. Did not. 

XXXX ( XX/XX/24 ) after tweeting again, was given a call with a phone number to check the tracking information for an express check. Called number, left message, never heard back. 

I have some of these phone calls recorded.

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 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Around XX/XX/XXXX I attempted to close my credit account with Wells Fargo. 

Believing the account closed, I securely disposed of my card. 

Around XX/XX/XXXX my closed card was charged from a streaming service that was authorized to make a charge by me in the previous year. This charge was {$59.00}. I had not taken steps to stop this transaction because I believed the credit card to be inactive and unable to be charged. 

Upon calling Wells Fargo around XX/XX/XXXX, I was informed the account was not closed and I ended up asking the account to be closed again. They said the charge was going to be disputed with the streaming service merchant. They " closed '' the account. 

On XX/XX/XXXX I was informed that I needed to affirm my " new credit card '' from Wells Fargo. Upon inspecting the web portal it became apparent that Wells Fargo had issued me a new card, without any authorization from myself, for my " closed account. '' On XX/XX/XXXX I called Wells Fargo a third time. They informed me the account was still not closed and were surprised to hear I had not requested another card. I asked them if the account was closed. They said no. I had them " close '' the account once more. To my knowledge the {$59.00} is still being disputed.

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