vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: Innovate Managed Holdings, LLC
State: LA

Complaint narrative:
I refinanced my car a year or XXXX ago thru XXXX XXXX XXXX, and as i went to possibly trade in my car today i was informed that XXXX has not ever reported my monthly car note payments to the credit bureau XXXX XXXX can go towards my credit. It just shows they paid off the previous loan with XXXX, and then that i have closed accounts. Is that even legal to not report a customers payments??? It sounds like an under the table scam from my car loan company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo sold the servicing of my loan to another company sent me a letter saying they would forward all payments for 60 days. The new company didnt have my account set up on XX/XX/XXXX so I sent my payment how I do every month to Wells Fargo XXXX They didnt send the mortgage payment to the new servicer they deposited it back in my account with out any notification or explanation. I assumed this was an escrow payment or something refund. Now Im missing my monthly house payment because I used it on renovations to the house. How are they allowed to sell my mortgage and not provide any additional information. Or not follow through with what they say?

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 2023-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
XXXX check payments with account number, XXXX, noted on them were mailed to the Department of Education and all three checks cashed in XXXX. All three checks have the " XXXX XXXX XXXX XXXX XXXX '' on the back under the cash date. However, Mohela has only applied XXXX of the XXXX payments. I have called multiple times regarding this issue and have been told to wait for processing, wait for a call transfer to a different department, or wait on hold for a supervisor to become available resulting in a hold time of over an hour with no supervisor joining or call transfers being disconnected. I requested a refund of the XXXX payments under the special COVID rules. A refund was provided for only XXXX payments and not the third payment of {$1500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Called Loancare in XX/XX/XXXX to be put in a XXXX month forbearance period. Called loancare XX/XX/XXXX and qualified for a partial claim. Company sent us paperwork to be filled out via XXXX  We sent paperwork back via XXXX. Had not heard anything back from the company until we received a letter on XX/XX/XXXX stating our home was going into foreclosure. Called loancare to see why this is happening. The company states the paperwork was not filled out correctly so they sent it back out and we never returned it. We never received the paperwork they are claiming was sent back to us.

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 2023-07-13 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: TX

Complaint narrative:
I don't have any idea about these accounts. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CRE XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-13 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing to lodge a heartfelt complaint against Wells Fargo Bank for their mismanagement and disregard of regulatory authorities and customer grievances. 

I have previously filed XXXX formal complaints, providing my real name, but the bank not only failed to acknowledge their mistakes but also responded by stating that I hadnt provided sufficient information to initiate a dispute resolution. 

On XX/XX/XXXX at XXXX PM, in a conversation lasting XXXX minutes ( I have recorded evidence ), I once again contacted Wells Fargo and provided all the necessary information regarding four transactions as requested. The banker assured me that I didnt need to make any payments during the dispute process and that my case had been submitted for resolution ( I have the recording as evidence ). 

To my astonishment, Wells Fargo bank harassed me with three consecutive phone calls tonight, asking for the same information. I informed them that I had already provided the required information just yesterday, and offered to play the recording for them. However, the bank insisted that I return goods from XXXX months ago before they could proceed. What level of professionalism is this? Who should I return goods to after XXXX months? Where is the return label? How can the seller accept a return? Is Wells Fargo playing a joke? XXXX! 

I urge the CFPB to intervene with stronger regulatory measures. This bank has gone completely insane. They are better suited for comedy than handling banking affairs. Please enforce strict oversight to prevent this bank from causing further harm or going bankrupt, which would affect more people. 

Thank you. 

Sincerely

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 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: IL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Case Number : XXXX Please remove it from my credit report. 
XXXX. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX IL XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Sincerely yours, 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 2023-07-13 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:
Student loan accounts were frozen on XX/XX/XXXX, yet XXXX has been reporting my student loan accounts every month since XX/XX/XXXX of XXXX. I have XXXX missed payments when I'm technically only supposed to have missed payments from XX/XX/XXXX, to XX/XX/XXXX, for each of my XXXX loans which would be roughly XXXX missed payments. It is illegal that all of those missed payments have been reported to my credit during a time when student loans were supposed to be frozen and not to restart payments until XX/XX/XXXX. This has impacted my credit and also prevented me from being able to find somewhere to stay, apply for loans, or do anything to help myself because they were inaccurately reporting information that was supposed to be on hold for the entire ANYONE WHO HAD STUDENT LOANS IN AMERICA! I have contacted attorney XXXX XXXX XXXX, XXXX. in XXXX, Florida to seek legal reparations for losses that I took due to not being able to get loans or additional help because of inaccurate information reported to my credit report.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Company is closing my bank account no loses just disputes over small unauthorized charges after XXXX XXXX of banking with them and hundreds of dollars in fees

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 2023-07-13 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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-13 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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by impersonator XXXX XXXX and fake XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BECU account to fraudulent investment firm ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: CO

Complaint narrative:
Hello, I sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2022. Til this day over 11 months later and I still have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 120 days so they should be deleted promptly. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e9b ) and 15 US CODE 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

This has cause me significant damage to my credit report and score and has blocked me from being able to pursue credit for my business and being able to provide for my family a better life. I am in severe distress and I need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. As a consumer we should be protected from companies falsifying information on our report and reporting incorrect info.

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 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
Hello. On XX/XX/2023 I closed on a home and sold it to new buyers without any issue. Prior to close, I had a mortgage with XXXX XXXX. At the time of close my loan with XXXX XXXX was fully settled and moved over without issue to the new buyers. Unbeknownst to me ( because it was not relevant to me ), the new buyers of my old home were working with Mr Cooper for their new loan. 

On XX/XX/2023 an automatic withdrawal of {$2900.00} was taken from my checking account with my knowledge or authorization via Mr Cooper. I am not a customer of Mr Cooper 's, never set up an account with Mr Cooper, never enrolled in auto-pay with Mr Cooper and fully settled my loan for this property at close with XXXX XXXX XXXX 

I have since been in contact with Mr Cooper multiple times requesting a refund and demanding an explanation for why they were able to withdrawal money from me ( a non-customer ) without my consent for a loan I was not responsible for. Today I was again promised my money back with a rep on the phone but I am a month out from when I began this process. There are financial implications for me -- lost interest, etc -- - in addition to the absurdity that they were able to access my checking account. I am at a loss for how to proceed and am simply stuck waiting, hoping they return the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On multiple occasions I was charged insuffiecient funds fees from the account that I'd like my money back for.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In late XXXX early XXXX approximately between XXXX XXXX XXXX of XXXX XXXX checking accounts and XXXX savings accounts were opened at XXXX separate banks in my name via online then arbitrarily closed by both financial institutions within 60 days of them opening. Most transactions to place through online banking, or simply directly at an ATM. When attempting to call customer service, I simply got it back-and-forth about how I was solely responsible for these accounts, and there was nothing they were willing to do since my name, and Social Security number, and current address were used regardless, if I had to open them or not. This is not only affecting my credit, but I can no longer open a checking account with a credible bank both chase bank and XXXX  XXXX XXXX are the federal banks in question neither one has even attempted to help me and is simply closed the accounts. These accounts were negative at the time as the only activity that was done was checks that were being cash fraudulently against these accounts. These checks were made out to names I have never heard of or in my own name from accounts and people, Ive never even heard of have done business with. I have not been provided with any adequate documentation since these accounts have been closed I am completely in the dark other than me, the exact nature of them being closed and why they were closed no documentation whatsoever other than me suffering from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
NETCREDIT has refused to acknowledge my reported financial hardship since the onset of XXXX and the death of my child in XX/XX/2021, for whom I got the loan for. I reported this information to this company and they have refused to work with me or close the account. They have overcharged me extremely and fraudulently. XXXX has repeatedly reported a late payment to the credit bureaus, which has greatly affected my credit score. The fraudulent amount they say I owe is far beyond the credit limit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: NC

Complaint narrative:
Dear Prince Parker & Associates, I am writing to inform you that I have been contacted regarding a debt that I do not owe. I believe that your attempts to collect this debt are in violation of the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that you cease all communication and collection attempts related to this debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
In XX/XX/2023 I was contacted via email by Credence Resource Management , LLC without consent according to 15 USC 1692c ( a ). The fact Credence contacted the Consumer via unsecured email with potentially damaging information left open room for identity theft and violated 15 USC 1692b and 15 USC 6802 ( b ) ( 1 ).

Company response to consumer: Closed with non-monetary relief