vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Refer to CFPB file # XXXX This request was prematurely closed when CFPB queried the victim, not the perpetrator of fraud : This is a FRAUD inquiry perpetrated on my personal account. 
You can find all details under your file : XXXX On XXXX XXXX, I sent the following request : REF : Fraudulent XXXX withdrawals from personal checking account/ Your Ref : XXXX On XXXX XX/XX/2022, I requested assistance to recover {$6400.00} that was fraudulently withdrawn from my personal Bank Account. From my research, I clearly identified the following institutions involved in the fraud : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXs, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, CA After one month, when no information was forthcoming, I inquired to find that CFPB had sent the fraud case to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not the banks committing fraud ; see the highlighted banks to identify the institutions engaged in this fraud. 
I hereby request that CFPB exercise their Federal mandate with greater due diligence. CFPB action becomes more critical as I have been receiving demand notices from XXXX XXXX XXXX, a Texas law firm. 
I look forward to receiving notice of your intentions and action. Once again, let me know if you require further documentation to proceed with this matter. 
Sincerely... 

Do I have to escalate this fraud investigation or will CFPB execute due diligence ; get my money back from this crime or provide usable information about how to proceed? 
Thank you for your service.

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 2022-07-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has violated my 15 USC 1681 ( a ) ( 1 ) 15 USC 1681 ( a ) ( 2 ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) - The right to privacy 15 U.S. Code 1681b - Permissible purposes of consumer reports for continuing to report information on my consumer report without verifying the accuracy and completeness of the information first.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) for not deleting the items in dispute in 30 days when Experian clearly can not verify any of the information, 15 U.S. Code 1681i ( a ) ( 6 ) ( A ), for not notifying me of the result of the investigation, 15 U.S. Code 1681c2 for not deleting items resulted from identity theft in 4 days, I even sent an identity theft report for it

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I XXXX XXXX was told by Equifax that XXXX is reporting to them a Bankruptcy shown on my public file, well XXXX told me they show no bankruptcy on my file, well on XX/XX/22 Equifax claim to have contacted XXXX on or around XX/XX/22 and that XXXX verified to Equifax this bankruptcy on my file on or around XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
As of XX/XX/XXXX, PHH offered me a loan modification which I accepted. I submitted the required PHH documents inclusive of the PHH loan Modification application. On said PHH application, I clearly checked the box that I was divorced and also, attached a copy of my final divorce decree and Quick Claim Deed ( deeding my home into my name soley ). I also lined out on the PHH loan modification application the " co-accountholder ''. I fully disclosed to PHH that I was divorced and the loan modification would be in my name only as of XXXX. Due to PHH 's incompetence, I had to submit the same loan modification containing the same information and disclosures to PHH at least 7 - 12 times. Based on that same and consistent loan modification, I received several written approval for my loan modification from PHH. Said PHH approvals of my loan modification has several different ranging loan modification monthly payments from {$4700.00} to {$6200.00}. 
I have made 5 monthly payments of {$5.00}, XXXX ( 3 payments to satisfy the Trial Payment period and XXXX & XXXX payments ). NOW, as of XX/XX/XXXX more than 4 years of prior knowledge, approving me for a loan modification, and accepting 5 monthly payments, PHH has threaten me with a trustee sale and eviction. Offer, acceptance & consideration. PHH has a least breach of contract, deceptive business practices and has operated in bad faith.. PHH has violated both Federal & CA laws during this process with regard to both loan servicing and debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion, has violated my rights. 


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

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

Company 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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/2020

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 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Pursuant to complaint XXXX, Penn Credit Corporation admitted they hold no evidence to support this alleged debt that does not exist. 

As a result, they must promptly remove their unsubstantiated derogatory claim from my credit report with all three bureaus as agreed. 

As of today, XX/XX/2022, these false claims are still on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Both XXXX and XXXX have reported my new credit balance however nothing has been updated in the past 2 months for any of the bureaus. The incorrect reporting is effecting my ability to be approved for additional credit.

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 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Ive attempted to contact PNC Bank multiple times and no one will speak to me about how much I owe and what my balance is to refi. Im trying to pay off this loan and unable to speak with anyone. Ive gone through bankruptcy about 9 years ago and Ive received zero notification as to where to send my payments. They cant locate my account and it may be closed. Theyre s no release on the mortgage and Im concerned because I have no idea of where to send my mortgage payment. I called several times on XX/XX/30 and attempted multiple times to reach someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/2022, my direct deposit has not been put in my account. The only answer they could give me is that they do not know when the problem will be fixed and it has been happening for two days. They also will deliberately post other transactions first throughout the past few months in order to constantly access unnecessary fees. Here it is 2 hours away, I made a payment arrangement to pay XXXX XXXX and my lights will be cut off because of their lack of urgency to get any issues fixed.

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This complaint to TransUnion was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2022-07-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX, have both failed to accurately update my XXXX XXXX, credit card and I know it was reported to them on time as required by law because my XXXX credit report reflects the correct balance! This negligence on the part of Experian and XXXX, is adversely impacting my credit score and is a violation of the Fair Credit Reporting Act.

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 2022-07-07 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: MO

Complaint narrative:
Both XXXX and XXXX have reported my new credit balance however nothing has been updated in the past 2 months for any of the bureaus. The incorrect reporting is effecting my ability to be approved for additional credit.

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 2022-07-07 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: MO

Complaint narrative:
Both XXXX and XXXX have reported my new credit balance however nothing has been updated in the past 2 months for any of the bureaus. The incorrect reporting is effecting my ability to be approved for additional credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX deposited XXXX in to my cash out problem ia my phone was stolen suggest XXXX by the time I got a new phone and in my account my money was gone I reported it right away and they only refunded me some of the merchant transactions but not the money that was transfered I had been in contact going back and forth for months and then they just closed my case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX, I closed on my home purchase with XXXX XXXX and the company immediately sold my mortgage to Chase Bank. The terms of the mortgage included an escrow account to cover the home insurance premium and property taxes in the XXXX of Massachusetts. Over the course of the XXXX tax year, Chase refused to pay my property taxes because, I was told, they were not receiving electronic tax statements from the town where I live ; so despite having the funds in my escrow account, and the fact that I sent copies of my paper tax statements to Chase, they would not pay the taxes, and I had to come up with additional funds to pay the taxes myself. This amount was approximately {$8000.00}. I spent the last year calling Chase to resolve this situation, but they still would not pay my property taxes. They indicated they would, they also said they would call me back at various times to let me know when the situation was resolved, but ultimately the bank has been unresponsive. As a result of the bank 's inability to resolve this, I am now in the process of refinancing my home mortgage at a substantially higher interest rate. In the meantime, I've closed the escrow account and was supposed to receive a refund in XX/XX/XXXX in the amount of {$9000.00}. For some reason, Chase split this amount into XXXX payments. I received XXXX payment for {$2200.00} in XXXX, but the balance of {$6700.00} is being contested because Chase indicates they mailed me a check ( to my old address ) in XX/XX/XXXX which I did not receive ( Chase did have my current home address at that time ) ; then Chase told me they sent another check in XX/XX/XXXX ( which I also did not receive, but Chase said that check has been cashed ). I've called Chase several times to request a copy of the canceled check ( front and back ) and the form needed to file for an investigation, but Chase is unresponsive. They keep telling me someone will call me back or they will send the canceled check and investigation form, but I'm getting nothing from Chase. My taxes are now due again the end of XXXX, and I need the remaining funds from my escrow account to pay these taxes on time. Any help you can provide is appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
This is regarding my Chase business banking and total checking account. I registered for a new account bonus for these accounts and I tried opening the account online but I was told that due to identity verification I will have to visit the branch for opening the account. The nearest branch is XXXX miles from my house and we finally drove to the XXXX branch on XX/XX/2022 and successfully opened both the accounts. The new account bonus coupons were applied successfully and I was able to fund XXXX of the account with {$1500.00} the next day. However, to my surprise, my business account was suspended on the third day without any reason. Upon calling the bank they said that they do not know any reason but do not want to do business with me. This appears to be some kind of racism that I can feel here. Also, we lost close to {$1200.00} in the account bonus and travel cost as the bank disagree to honor the bonus and locked my both the accounts. The {$1500.00} that I deposited will be returned to be by check in a months time. I feel cheated by such reputable bank. They should not try to fraud people by running false promotions. They have been sending me the debit cards and letters after closing my accounts as if the accounts are still vaild which is a harassment to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: PNC Bank N.A.
State: PA

Complaint narrative:
I sent PNC credit the following on XX/XX/2022 for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Unit XXXX XXXX PA XXXX PNC Consumer Credit Bureau Investigations XXXX XXXX XXXX XXXX, OH XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX and XXXX regarding me being an authorized user on the account of deceased XXXX XXXX ( credit card XXXX XXXX XXXX XXXX ). I have circled the items I dispute on the attached copy of my credit report. 

This item- XXXX XXXX as an authorized user on credit card under XXXX XXXX XXXX card XXXX XXXX XXXX XXXX ) is inaccurate because she is deceased and the card should be currently closed. I am requesting that PNC have the item removed and to immediately stop reporting to XXXX XXXX credit file. Any debts she has should be filed through her estate. 

[ It is showing on my profile that the account is active and debt is owed. which is bringing down my score significantly. She passed away XXXX of last year. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: GA

Complaint narrative:
XXXX and TransUnion, have both failed to accurately update my XXXX XXXX, credit card and I know it was reported to them on time as required by law because my XXXX credit report reflects the correct balance! This negligence on the part of XXXX and TransUnion, is adversely impacting my credit score and is a violation of the Fair Credit Reporting Act.

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 2022-07-07 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: NY

Complaint narrative:
All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the XXXXederal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: NM

Complaint narrative:
company claims to represent a credit account that doesn't belong to me. The account is a result of identity theft. They are harming my credit report by saying I have an account in collections. They didn't even know my address or send me anything in the mail until after I disputed the transaction with a credit report company. I've disputed the account on my credit report but they are trying to scam me to get it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief