vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., XXXX. XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 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 reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received XXXX response today about the bankruptcy issues. They stated that they verified it with The United State Bankruptcy court which is a lie because they don't report any bankruptcies. XXXX can't verified the Bankruptcy either. So where are they getting they information from? I talked with XXXX and they stated that they sent out the alert about moving the bankruptcy be they never complied to their instructions. Please see the attached documents. Someone is lying and its isn't the courts nor XXXX. XXXX told me to ask you all to provide the correspondence that XXXX had with them. So I can provide the correspondence to XXXX XXXX. According to XXXX XXXX its law for XXXX to provide documents as they stated in their response. I talked with the Bankruptcy secretary and she stated that some. She asked me to ask you all to provide her signature and correspondence that you all proclaimed she verified the account as accurate. Please remove this inaccurate information from my credit report. Please see the attached documents.

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 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wellsfargo is a lender that does not help homeowners at all!! 
They have never help me in any way! They dont care if you have all required documents they still dont help! 

Thanks to XXXX XXXX XXXX they save my home! After bringing my home current I had ask wellsfargo to waived my late charges in the amount due of {$2700.00}. Cause my house has been in so many programs and bankruptcy, foreclosed and it shouldnt have accessed late charges the XXXX XXXX  paid the late charges and now the Wells Fargo waived them but since the XXXX XXXX XXXX  paid them we have extra monies of {$2700.00} but Wells Fargo wont apply them to XXXX payments to help me get on my feet! They didnt tell me what they are going to do with the money at all! 
I also want to to take ownership and remove my ex husband since I have had so many problems with this lender! I have all required documentation plus my ex which is the person on the loan is aware and have signed the ocument!!! Why a struggle with this lender!???

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 2022-12-20 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
One of my employee 's Bank of America Merrill Lynch XXXX XXXX XXXX XXXX XXXX credit cards expired in XX/XX/XXXX. In XXXX, the someone in Texas used the credit card number at a hotel to charge for a hotel room costing {$620.00} despite the fact that card was expired. We did not receive a fraud alert from Bank of America, and we did not receive notification that a charge was made to the account that normally goes out to employees. We got notice on XX/XX/XXXX from Bank of America that even though we reported the fraud that they said it wasn't reported within 60 days even though we never got an alert that should have gone out when the illegal purchase was made on the expired card at a hotel in a state different from where the cardholder lived. The card holder lives in Minnesota. The safety feature of the expiration date did not kick in during the illegal purchase. Also, BOA only sent a notification letter 4 payments after the account was illegally charged.

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 2022-12-20 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
PLEASE SEE ATTACHED COMPLAINT WHICH INCLUDES MY IDENTIFICATION DOCUMENTS AS WELL AS COMPLAINT SUPPORTING DOCUMENTATION.

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 2022-12-20 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
HIS IS NOT A DUPLICATE COMPLIANT but resubmission, PLEASE SEND TOTAL AMOUNT PAID BY THE US BRC OF NORTH GA. PREVIOUS BANKRUPTCY CASE XXXX HOME ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX WE ARE AWARE OF THE XXXX XXXX  TRUSTEE, WHOM YOUR FRIM CLOSELY WORKS WITH DUE TO YOUR CLOSE RELATIONSHIPS. HE DID RECEIVE PAYMENTS FROM XXXX XXXX FOR THE PURPOSE OF SECURING YOUR FIRM TO ATTEMPT TO STEAL THE PROPERTY FOR THE PURPOSE OF COVERING UP THE EXCESSIVE FRAUDLENT LOANS. THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD. PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE IS NO BALANCE ON THIS HOME AND OUR MONEY WAS STOLEN, NO DOCUMENTS SIGNED, AS STATED, SUPPORTED DOCUMENTATION CAME FROM YOUR MORTGAGE COMPANY, YOUR CLIENT HAS ENGAGED IN EXCESSIVE CRIMINAL ACTIVITY AND APPEARS TO SERVE AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT, WHICH WAS ALL FRAUDULENT, FROM ORIGINATION ( FRAUD ). WE KNOW HOW MUCH MONEY WAS DISPERSED AMOUNT MANY OF YOU! O/T TRY TO MANIPULATE THE NUMBERS AS THE INFOMRATION IS FROM YOUR CLIENT! THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE CAN CARE LESS REGARDING YOUR XXXX XXXX XXXX XXXX XXXX OCWEN, PHH OR WHOEVER, WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY AS WE CONTINOUSLY STATE WE ARE HOLDING THE TRUTH IN SEVERAL PLACES, NO RETAILIATION WILL BE TOLERATED. REMEMBER, YOUR CLIENT TRIED THAT APPROACH, BUT GOD DID NOT LET IT TAKE PLACE! 

addendum, to the resubmission XXXX. ATTACHED MERS REPORTS ATTACHED TO OWN NAMES AS IF WE OWNED ALL OF THE LISTED PROPERTIES. IN ADDITION, THESE ARE SUBSIDARIES OF XXXX? 


XXXX, WHO'S MORTGAGE IS THIS. FOUND ADDITIONAL INFORMATION A XXXX, XXXX WAS THE OWBER OF L AND B HOMEBUILDER JUST RECENTLY DIED AND BURIED NEAR THIS HOME????, OMG! NOT COINCIDENCE! 
ATTACHED HOMETRY REPORT AND OBTIUARY/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX advised they issued TransUnion Screen Solution to provide them with information on a eviction.. This eviction is reporting {$4500.00}, which is not correct. This does not reflect the security deposit being taken out of judgment. I now have to take this XXXX XXXX back to court about this eviction and file a small claims against them, due to this issue and more. XXXX is receiving this information from TransUnion who verified after a dispute is is correct and it is not correct. I made a second dispute with TransUnion Screen Solution directly, and still no update. They are sending my disputed back as verified. With no proof of debt or anything, provided. after requesting it. And id not provided to remove or stop reporting until correct. They are still reporting, provided no proofs. After, speaking with XXXX XXXX at XXXX XXXX, she agreed this was incorrect, we actually settled for less. I am trying to get her to include the security deposit, but I assume I will have to go to court for this issue and show my proofs.

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 2022-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This really involves an old issue and to this date of XXXX XX/XX/XXXX they still have not resolved it. I am including a letter I sent to XXXX XXXX. He responded with " there's nothing he can do to help me. I sent it to him certified. I know this is old, but they should still have a record of my safety deposit record. I check with them every year to see if it has turned up. Her is the letter : XX/XX/XXXX Certified Mail XXXX XXXX XXXX XXXX Wachovia Bank XXXX I am writing you concerning a safe deposit box I opened with Wachovia Bank in XXXX. The XXXX, Georgia branch on XXXX XXXX XXXX is no longer open. For the last year, I have been trying to locate my safe deposit box and its contents but to no avail. 

I contacted customer service and advised the box would possibly be at the next closest bank. There are several different branches in XXXX, Georgia. I have no idea which one to contact, so I called customer service. This is the information Wachovia should be providing me. Inarguably, there are some tracking mechanism in place to tell you exactly how and where you disposed on the boxes left at that branch at the time of closure. 

The box has gone unclaimed for over 12 years. I understand you have a XXXX  Department who handles unclaimed boxes. I was issued two keys to the box and have since misplaced them in moving. I am now and have been a long-time Wachovia  customer XXXX My address at the time was XXXX XXXX XXXX, XXXX, Ga XXXX. I was a previous XXXX  XXXX customer with an address of XXXX XXXX  XXXX XXXX, XXXX, Ga XXXX. I am a current XXXX  customer at XXXX XXXX XXXX, XXXX, XXXX, Ga XXXX.. 

I was told the contents are then forwarded to the Georgia Department of Revenue. Of course, I contacted Georgia Dept. of Revenue and they have no record of such. They have referred me back to Wachovia. 

The amount of " run around '' I have encountered regarding this matter is tantamount and very poor customer service. Realizing a lot of time has passed, I humbly request a little more assistance from Wachovia  to help bring this issue closer to closure. 

I would really appreciate someone helping resolve this matter. As a long-time customer, I do look forward to your assistance in a timely fashion. 

My current email is XXXX and my telephone contact is XXXX XXXX XXXX. 

Looking for to your response. 

Thank you. 

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 explanation
Consumer complaint received 2022-12-20 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: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/2022 while shopping at the XXXX supermarket in XXXX PA a mistake was made by the cashier and unnoticed by me or the store I was charged over {$6000.00} for a stalk of celery. When I received my bill from Discover card on XXXX XXXX I immediately contacted Discover fraud division. They told me they would take care of this, that I wasn't responsible for this amount and would send a new card which they did and I disposed of the old one. 
On XX/XX/2022 I received a call from Discover people stating the matter did not belong with the fraud division but I should withdraw the fraud claim and file with billing disputes, which I did. Billing disputes personnel advised that I go to XXXX and try to work it out with them, and I did that on that very day, the XXXX. The store manager immediately found the problem and the next day asked me to come in and they would refund the full amount to my credit card and that's what happened. I called Discover billing disputes personnel and told them about this resolution and thought it was settled. 
Yesterday I received a lettrer from Discover saying no, it's not settled because the amount should have been sent to the old card number ( which was closed ) and they would not accept the payment on the new card and I am being charged for the full amount, as well as being advised that they might institute collection proceedings. I spoke at length with a representative and do not understand why this is so hard to do, just transfer the amount that XXXX agreed to into my present account. Please help straighten this matter out. I do not owe this money, XXXX has already refunded and I doubt they want to do it again. In the meantime I am sending a letter to Discover stating all that I have said here along with copies of their documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just read this article XXXX XXXX XXXXXXXX I do the best that I can to earn money, and I also am human and I do like to shop and sometimes Wells Fargo excepts withdrawals without my consent to pay back XXXX companies that I plan to pay on a different date and I might pay off my overdraft fee if they charge me a ridiculous amount of overdraft 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 2022-12-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX part of my divorce in 2008, a {$50000.00} dollars check was deposit at checking account at XXXX, and the bank made a mistake and deposit {$5000.00} instead. Even with the proof of the deposit where it said the amount was {$50000.00} it was an extremely difficult process to fix their error and took close to 10 days with me having to go to the bank multiple times and repeating my story to many different people. It was very stressful, and they never apologized for their mistake.

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 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I obtained a loan from Capital One Auto Finance ( COAF ) for a XXXX XXXX. I received an email from COAF offering bi-weekly payments. I went to their website from the email link and configured my bi-weekly payments to begin on XXXX. First payment was due XX/XX/XXXX. I received an email from COAF on XX/XX/XXXX indicating my payment was late. I confirmed via my Capital One account that my payment was sent via ach and received on XXXX. I called COAF to inquire and was told that since my bi-weekly payment, configured on their site as prompted by their email, was only XXXX of the balance due my account was considered late. 

I used the Capital One system to configure my payments. There was no indication that by setting my first bi-weekly payment on XXXX that my account would be past due on XX/XX/XXXX. The system should have sufficient controls built in to advise the customer that the condition was not adequate, that the first bi-weekly payment needed to be due XXXX weeks earlier or that an initial full payment was required to keep the account current. 

I complained to COAF about the lack of system controls and lack of clarity in the emails and on the website related to configuring bi-weekly payments. A complaints agent indicated that she had heard this same complaint from other customers and that Capital One had done nothing to improve their processes or information to mitigate the issue. 

I believe the lack of controls and failure to act has resulted in additional interest accruals for me and potentially thousands of other COAF customers. Capital One is gaining interest income by continuing these deceptive payment plan advertising schemes and failing to remediate a known issue resulting in negative financial impact to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
I checked my credit report this year and there is a loan showing on the report for {$3900.00}. It shows the loan was open on XX/XX/XXXX. It has very derogatory remarks on my report saying that the loan is 3 months past due, but I never opened a loan for this amount. This is false information and needs to be corrected. I have not taken out a loan in XXXX. If this is an incorrect date my report needs to be updated to reflect correctly. I've tried calling debt recovery solutions to get them to update the record but they are saying that they can not change the record. When I disputed this with XXXX, XXXX, and XXXX and all three stated that this meets FCRA requirements. They also shared that the loan wasn't opened XX/XX/XXXX, but it went into collections back in XX/XX/XXXX. The problem for me is that on my credit report, it is being displayed like this is a brand-new loan, when in actuality this loan is extremely old. The dates should reflect that on my credit report and it is not. I don't know what more to do about this issue. The confusion came about when it was put on my credit like it was opened this year. I thought I had encountered identity theft, and the confusion could have been avoided if Debt Recovery Solutions had put accurate information on my credit report. I don't feel comfortable with discussing payment arrangements because based off of the reviews about this company, there are multiple people stating that they have paid and it hasn't gotten removed from their credit report. I am asking for help to resolve this matter. Attached are the screenshots from XXXX, XXXX, and XXXX where it is being advertised that this loan was opened XX/XX/XXXX. As you can see, XX/XX/XXXX is nowhere on my credit report. They are making it seem like this is a brand-new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: IL

Complaint narrative:
I sent these credit agencies a certified letter about the inaccuracies on my credit report and Experian, XXXX and XXXX Stated that they have verified these accounts as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX I still found that the same inaccuracies on my 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 non-monetary relief
Consumer complaint received 2022-12-20 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: SC

Complaint narrative:
I am requesting for Investigative Consumer Report, original signed contracts from consenting, and signed permissible purpose documents from that the agency is supposed to keep on file. 

Please see attachments

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