vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I definitely disagree with the account listed below which still appears on my my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. I received a response from Experian stating that my dispute wasn't sent from me all my disputes come from me I do not need or use a credit repair company I have the right to have you re-investigate and correct the incorrect information being reported on my report according to the FCRA. This needs to take place immediately I'm tired of Agency stalling to correct!

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I sold my house in XX/XX/2022. I received my portion of the sale from the title company, but the mortgage company did not. After receiving calls from debt collection one month after selling the home, an investigation into the location of the money was opened by XXXX XXXX XXXX ( XXXX ) and Mr. Cooper/Nationstar mortgage. The FBI was involved and it was found to be a case of fraud, as the fax machines at the XXXX were hacked. Even while the investigation was underway, the debt collection office continued to relentlessly call and email, saying I was delinquent on payments. They only stopped when they received a cease and desist letter from the lawyer at the XXXX and when XXXX began writing checks in the amount listed as due for my monthly payments. When the investigation was complete, the insurance company for XXXX paid Mr. Cooper/Nationstar the remaining balance. Even when there was fraud discovered, the missed payments stayed on my mortgage report and have continued to be reported to credit companies, impacting my credit. They then closed out the account with the missed payments on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
On XX/XX/2023, I received a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX asking for assistance in purchasing an investment property in the XXXX area. I understand now that this was elaborate come on to introduce me to a fraudulent website ( XXXX  posing as a Coinbase website ). I unwittingly invested a great deal of money. The precise amount is not easily arrived at but suffice it to say it is over {$900000.00} but closer to {$990000.00}. He swindled me by posing as a person who was interested in moving from XXXX XXXX and wanting to buy a XXXX house in the XXXX area XXXX I am a XXXX XXXX XXXX and was a XXXX XXXX  I guess he was able to find me through that system. The initial contact began in XXXX through XX/XX/2023 using XXXX. I XXXX  him and found him listed as an immigrant from XXXX, who apparently had some ties and difficulty with the XXXX. He said he was also a former employee of XXXX as an XXXX. It was a hoax. He offered himself as one who could help me gain outsized profits in the Crypto currency market. The initial activity was sponsored by XXXX XXXX, ( XXXX, XXXX ). However, another individual is also involved. 

After repeated attempts to withdraw my funds from XXXX and profits and him going dark I gave up. However, a second perp named XXXX XXXX picked me up on XX/XX/2023. After, I went to my wealth manager at XXXX XXXX XXXX ) who said that it looked bad and that I should probably just call Coinbase if I hadnt already done so and see how they could help. He researched the number through XXXX and gave it to me to call. I did call. And reached a female by the name of XXXX XXXX. ( XXXX ) and she said she would get back to me, or have somebody, probably a supervisor, call me. Thats when I opened a chat from XXXX text message from XXXX, XXXX ( XXXX ). He said that he was the main person for XXXX fraud working for Coinbase and that he could help me for sure because hes done so in the past. At this time, XX/XX/XXXX, I filed a complaint with the XXXX XXXX  ( XXXX ) who referred me to the Local FBI XXXX XXXX ). I also, as directed by the XXXX  and FBI filled a complaint with the website IC3.Gov., XXXX XXXX. I have not heard back from them. 
So, there we go.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to request the removal of a late payment entry from my credit report. Upon reviewing my credit report, I noticed that there is a late payment listed for Account : Santander Consumer USA XXXX ] for the month of XX/XX/2019. I believe this entry is inaccurate and unfairly affecting my credit score.I have been a responsible and diligent borrower, and this late payment does not reflect my payment history accurately. I have attached evidence, such as bank statements or payment receipts, to demonstrate that the payment in question was made on time.I kindly request that you investigate this matter and remove the erroneous late payment entry from my credit report as soon as possible. Doing so will ensure that my credit report accurately reflects my financial responsibility and will help me maintain my creditworthiness.Please feel free to contact me if you require any further information or documentation to assist with your investigation. I appreciate your prompt attention to this matter. 
I want you to update the payment history on this account that is affecting my credit reputation and this account was paid in full with no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2024 I received a text message from Wells Fargo informing that someone was trying to access my account in the amount of {$3500.00} at XXXX XXXX and whether I recognized this transaction and I replied " NO ''. I immediately received a phone call from XXXX XXXX ( XXXX ) XXXX who explained that the protocol to block this transaction was to send money thru XXXX. She attempted to have all XXXX sent at XXXX time and was unsuccessful. She then got her boss on the phone XXXX XXXX ( XXXX ) who then instructed me to perform XXXX transactions. XXXX for XXXX and another for XXXX which was completed confirmation XXXX and XXXX. I then received a text that stated that the XXXX transfers were cancelled. I received a phone call on XX/XX/XXXX from XXXX XXXX ( employee # XXXX ) stating that I shouldn't use mobile app for XXXX days. On XX/XX/XXXX XXXX XXXX ( Fraud Manager ) attempted to have XXXX wired to him however Wells Fargo was able to put a stop on this transaction. I immediately informed Wells Fargo of the above fraud. I was informed they were unable to refund me for the funds sent thru XXXX because they were not insured. They stated that they were responsible for the app " working '' properly and they closed my claim.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a charged off account in XXXX student loans. I did not receive any notifications from them that my account was charged off or that I have an overdue balance. When I checked with them, they said that everything was being sent electronically when I requested to have everything sent through paper as I made sure I have documentation as Ive had previous experience with XXXX student loans, and it was a terrible experience. I have just learned to ensure that I have documentation of everything going on, but I have not received anything after I had an issue with them last year in XX/XX/2023. Thankfully that issue was resolved but I have not received any information or notification from them and now theyre saying that my account is charged off and I have an overdue balance, and it is now affected my credit score. I have called them and asked to see if they can assist me with this and they say they can not because they sent me notifications and statements to my email but once again they have sent it to the wrong email and theyre telling me that it is my fault because I did not update my email. Although I originally have asked only for paper billing and have documentation because I know who they are and how they can mess up.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a charged off account in XXXX  student loans. I did not receive any notifications from them that my account was charged off or that I have an overdue balance. When I checked with them, they said that everything was being sent electronically when I requested to have everything sent through paper as I made sure I have documentation as Ive had previous experience with XXXX student loans, and it was a terrible experience. I have just learned to ensure that I have documentation of everything going on, but I have not received anything after I had an issue with them last year in XX/XX/year>. Thankfully that issue was resolved but I have not received any information or notification from them and now theyre saying that my account is charged off and I have an overdue balance, and it is now affected my credit score. I have called them and asked to see if they can assist me with this and they say they can not because they sent me notifications and statements to my email but once again they have sent it to the wrong email and theyre telling me that it is my fault because I did not update my email. Although I originally have asked only for paper billing and have documentation because I know who they are and how they can mess up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a charged off account in XXXX student loans. I did not receive any notifications from them that my account was charged off or that I have an overdue balance. When I checked with them, they said that everything was being sent electronically when I requested to have everything sent through paper as I made sure I have documentation as Ive had previous experience with XXXX student loans, and it was a terrible experience. I have just learned to ensure that I have documentation of everything going on, but I have not received anything after I had an issue with them last year in XX/XX/year>. Thankfully that issue was resolved but I have not received any information or notification from them and now theyre saying that my account is charged off and I have an overdue balance, and it is now affected my credit score. I have called them and asked to see if they can assist me with this and they say they can not because they sent me notifications and statements to my email but once again they have sent it to the wrong email and theyre telling me that it is my fault because I did not update my email. Although I originally have asked only for paper billing and have documentation because I know who they are and how they can mess up.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America has a wire transfer service. That service has inadequate spaces for the required information to accomplish transfers in some cases. I need to transfer money to my XXXX brokerage account. To do this requires specifying the recipient ( XXXX ), their account number, for credit to the account in my name, and my account number. The BoA website only allows transfers to routing and account numbers and only to me personally. Further, it only recognizes checking and savings accounts- mine is a brokerage account, and I could also send it to my XXXX account. Clearly, the BoA system is simplistic and deficient.

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 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Ive had my mortgage for 19 years. Purchase before I was married ( 18 years ago ) chase refuses to accept my legal name change from XXXX to XXXX. I can not make my payments and have been trying to get them to refinance my mortgage to lower the payment since theres over XXXX in equity. They also refuse to take my deceased husband off the mortgage documents ( they even sent me modification documents with his name on it ) they have his death certificate, my documents showing my name change. Chase also has done nothing about the fraudulent activity on my mortgage that I wasnt made aware of until XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently. I did an investigation on my credit report and found several items in there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX. XXXX XXXX XXXX XXXX  - This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX  - This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently. I did an investigation on my credit report and found several items in there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately.

Company response to consumer: Closed with non-monetary relief