vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received a text from Wells Fargo on XX/XX/XXXX telling me to contact them. Curious I looked into my account to find my last 2 mortgage payments were not automatically paid from my account. 

I called WF and found that the automatic payments were cancelled on XX/XX/XXXX. XXXX*I did NOT cancel my automatic payments***. There system just says " customer cancelled ''. Again, I did NOT cancel the automatic payments. Full stop. 

On the call with WF I was also informed that they had been trying to contact me via phone at a number that was not mine. While they had my mobile number, no attempt was made to contact me at that number until XX/XX/XXXX. 

I also immediately paid both the late payments. 

WF has not provided any additional information on how the automatic payments were cancelled. Since I did not initiate the cancellation, I consider this identity theft or system error. Interestingly, while my account shows a consistent pattern of *automatic* payments on the first of every month I randomly got an email from WF on XX/XX/XXXX saying I just made a payment. My record does not show any payment on XX/XX/XXXX because payments are made on the first of the month. I believe this bolsters my case that WF had some sort of systems issue that reset my automatic payment. For this reason I am choosing to publicize my case details because if it happened to me, it probably happened to someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REPORTED THIS TWICE TO DISPUTE TD BANK/TARGET ACCOUNT HAS NEVER BEEN LATE. THESE BUREAUS EQUIFAX AND XXXX COMPLETELY DISREGARD THE FAIR CREDIT LAWS AND CONTINUE TO REPORT FALSE INFORMATION. I WILL SEEK COUNSEL TO FILE A LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MT

Complaint narrative:
I have a VA Mortgage through Freedom Mortgage and in XXXX did an Interest Rate Reduction Loan ( IRRL ). Previously I expressed on what I was told on " recorded telephone lines '' to remove my phone number, email, and mail from any further solicitation. I was assured in XX/XX/XXXX that my name was removed to " no further be contacted ''. Since I have been contacted several times by representatives of Freedom Mortgage trying to solicit me to take out an equity line of credit on my residence. In the past 24 hours I have been contacted two times ( XXXX XXXX and XXXX XXXX ) with these services even though I have requested several times not to be contacted. I contacted Freedom Mortgage today at XXXX XXXX. using phone number ( XXXX ) XXXX and again was told on a " recorded line '' to be removed from all solicitations. This happened to me in XXXX and I took out an equity line of credit before the housing crash, resulting in liquidating all of my XXXX and savings to pay off the mortgage in order to move to another state. This is the same strategy that occurred then and will more likely happen in the near future, resulting in over valued homes and the collapse of banking industries. I do not want to be contacted and feel Freedom Mortgage is preying on Veteran 's trying to have them take out monies on the equity of their homes, which I feel is predatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is concerning XXXX XXXX. This Is not my account. The name is spelled differently and social is different and also address. I sent in my social security card copy, ID and they promised to remove it and never did so. I need the account to be blocked and removed from three credit bureaus. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: FL

Complaint narrative:
I HAVE REPORTED THIS TWICE TO DISPUTE XXXX XXXX/XXXX ACCOUNT HAS NEVER BEEN LATE. THESE BUREAUS XXXX AND TRANSUNION COMPLETELY DISREGARD THE FAIR CREDIT LAWS AND CONTINUE TO REPORT FALSE INFORMATION. I WILL SEEK COUNSEL TO FILE A LAWSUIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In XX/XX/XXXX the financial crisis of the pandemic caused me to once again fall behind with my auto loan. Due to a technical error and user error my payment that I processes on XX/XX/XXXX was processed thru an external account prior to funds being available. Usually it takes 2 days for processing however my payment was processed the very next day which caused my payment to be returned and not satisfied until one day after being reported to the credit bureaus as a 30 day late... This caused my credit score to drop 72points. In addition I verified that for months XXXX, XXXX, & XX/XX/XXXX no payments has been reported as per the installment agreement arranged in XX/XX/XXXX ... On Time reporting for covid 19 reasons. I wrote the CEO, XXXX XXXX in late XXXX, unfortunately my concern was passed on and processed without consideration of my account status nor my loyalty with their company. I employed XXXX XXXX in XX/XX/XXXX and they were successful in getting my XXXX XXXX account corrected with XXXX only. The accou nt was corrected with Experian, however after after 45 days the incorrect information came back. XXXX has remained unchanged after several attempts to resolve directly with 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 2021-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Well fargo bank gave out 3 credits cards after fraud was reported on my accounts with the cards blacked and several password protections put in place. I have requested my cards be blocked from use after fraud was found on one of my cards. I also added a password to the account and requested no credit cards be mailed. They then mailed out a card to the original perpetrator. I then again reported the fraud and and again placed blocks on both credit cards. I also filed a complaint. They then mailed out a card to the perpetrator again. I went to my local bank reported the fraud and asked them to make sure no card were mailed out and blocks on both cards. Again they mailed out a card to the perpetrator. I filed complaints with XXXX XXXX XXXX  and again with wells fargo. I have several cases with them. My problem is the damage this has taken on my credit score. My score has dropped significantly. I had done everything i could think of to prevent access to my accounts but they just kept mailing out cards. If i close the accounts it will impact my credit score. My executive Case # is XXXX the contact is XXXX XXXX ( XXXX ) XXXX Ext 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 monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Received an unsolicited debit card in the mail. Contacted the bank ( Wells Fargo ) to request that the card be deactivated. The bank asked for certain identifying information including last four of SSN. Bank found two accounts opened using our information. They placed a freeze on both accounts and began an investigation into how they were opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have inquiries on my report from XXXX XX/XX/2021 & XX/XX/2021 ( XXXX ), XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XX/XX/2021 XXXX XXXX & XXXX ), XXXX XXXX XX/XX/2021 XXXX XXXX ) XXXX JPMCB XXXX XXXX XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I was contacted by XXXX  on XX/XX/21 ( SUNDAY ) through an EMAIL from an agent named XXXX XXXX, then I sent a reply that my name is being fraudulently misused and then I received an email on XX/XX/21 from an agent named XXXX XXXX. ( Last name was not mentioned other than the initial XXXX ), that stated : Taken from the FTC Fraud Affidavit and meant to help with the investigation. Please answer as many as you can and attach any supporting documentation. 
Please provide your full legal name, date of birth, drivers license number, current address, and the date you first lived at that address. 

Please provide information about the fraud ( like when you first discovered it, when you reported it to authorities or others, details about other frauds committee using your personal information ). 

If you know the name of the person who used your information or identification documents to open new accounts or use your existing accounts or otherwise commit fraud please provide their name, address, phone number and any other information about the crime ( like how the identity thief gained access to your information ). 

Attach any police report, government ID containing your signature, or other document that you believe would be relevant. 


If you prefer, you can mail this information to XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, but I did not. Also, XXXX XXXX. had the original address : XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, that XXXX XXXX used for XXXX  on XX/XX/21 BUT she also enclosed another address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, within the email Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Cfpb, contacted those involved, offer was given to us, we accepted, signed docs and later were told before loan servicer merged with other entity we werent qualified, XXXX was requested and proper tier bracket., XXXX XXXXXXXX has been involved since 2018 and felt that I should have legal representation due to the fraud of XXXX XXXX XXXX XXXX said to represent me with securitization audit and quiet title action, her third party letter of authorization was included but when she was contacted, she stated she never had an office in XXXX XXXX  XXXX and never heard of me or XXXX attorney services which was doing the work in XXXXXXXX XXXX XXXX XXXX XXXX, and is showing as an address I have as residence on credit report. Fraud was found by XXXX XXXX and XXXX was credited but effects of Wrong IRS amount XXXX and other put me wrong workout solution now merged with PHH. Conference call today scheduled today after furloughed due to XXXX and returning to work. A balloon payment was added after we were told we canceled the original XXXX offered. We did not cancel it. All is recorded by XXXX a approved HUD counseling agency. Needing to become current with XXXX gross income but IRS debt due from lack of represtation of XXXX not supplying the actual debt. XXXX legal was using XXXX attorney services while taking funds electronically out of by bank account. Other attorney foreclosure rescue scam for XXXX went to jail and left me hanging. XXXX XXXX and XXXX, fraudulent also

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I submitted a request a request to EQUIFAX to have all fraudulent inquiries removed as well as inaccuracies investigated and reinvestigated on my credit report. I tried to correct these inaccuracies with EQUIFAX starting from XX/XX/2021 up until now. I submitted a complaint to their company through here on XX/XX/2021 only to receive notification that they didn't know who I am. So here is where I stand since. On XX/XX/2021. I have sent EQUIFAX a certified letter with all disputes I have sent off this year. I also sent an AFFIDAVIT OF TRUTH which has been notarized by a state representative official. I also invoiced them for many willful and negligent violations. This is causing grave harm to my character and reputation. My next step is to file in federal court. I have tried. The only new things I have attached is my AFFIDAVIT OF TRUTH, the invoice, and the certified letter receipt. They have everything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX Inquiry XXXX XX/XX/XXXX ( XXXX didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) 6XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX XXXXnquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these XXXX and XXXX am not benefiting from these inquires XXXX, Equifax, XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, Equifax, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 3.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 4XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 5XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 7.XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 8XXXX XXXX Inquiry from XX/XX/XXXX XXXX I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 9.XXXX XXXX from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
On XX/XX/XXXX of XXXX  I initiated the services of Lexington Law Firm, Credit Repair Company, to challenge a 'late payment ' blemish on my credit report. Lexington Law purposefully implements stall tactics in order to charge the client over long periods of time. In the case details, the case sometimes stalls for months at a time in a status they call 'analyzing response '. This is their verbiage and tactic for stalling the case in order to lapse time in order to apply more charges to the client. I did ask for a reembursement of the money to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : 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