vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
No explanation for closed accounts showing as current, but my credit report states that there are insufficient accounts being paid on time. There are too many metrics by which credit worthiness is measured, and none are truly transparent. I have one derogatory report on my credit report that is part of a cosigned loan that was defaulted on by the other party and is now currently being paid to a third party. I have no other loans or financial agreements that have not been paid and don't see a report of them on my credit report. All three show 25 accounts with 24 being current and 1 being derogatory. 8 currently open and current, 16 currently closed and current, and 1 being reported as derogatory. A lot of the closed accounts where purely do to new cards being issued because of fraudulent activity or data compromisation and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an account open for my business with Wells Fargo. The business was called XXXX  XXXX XXXX XXXX, XXXX. I had access to this account and online access to it to be able to check transactions. 

Somehow another account was opened for XXXX  XXXX XXXX XXXX XXXX XXXX, a checkbook was ordered, and over {$400000.00} was stolen in mostly {$9900.00} increments and some in larger increments. My employee admitted to forging my name on the checks in a deposition, and that I had not allowed her to sign them or to distribute these amounts. 

The signature does not look like mine. I don't know how the account got opened or how the checkbooks were ordered.

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 2021-09-29 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: WI

Complaint narrative:
Hello, I reached out to Equifax on dates XX/XX/21, and XX/XX/21. On XX/XX/21 I requested from Equifax a Method Of Verification and I did not receive a response from Equifax concerning my request. On XX/XX/21 I sent Equifax a letter stating that Equifax was not in compliance with my request for a Method Of Verification. I explained to Equifax that my request was a request as authorized by the FCRA 611 ( a ) ( 7 ) and that Equifax now had 15 days to respond to my request. Equifax has not responded to my request of providing me with a contract with my signature from the original creditor XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Upon checking my credit report I noticed I had fraudulent accounts being reported. I tried to reach out to credit reporting bureaus but the did not properly investigate and correct reports.

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 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: IA

Complaint narrative:
I had a Loan with Calberhome loans.com approx. 20 years ago. Loan was repaid and they didn't release the lien. I have contacted the bank and they said they lost the paper work. They said I need to contact the lost lien department. Needless to say I haven't heard from them either. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service Center, Inc.
State: DE

Complaint narrative:
Name of Collection : COLL SVC CENTER Opened : XX/XX/XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to my State Attorney General Office and The XX/XX/XXXX to have confirmation of proof if you respond without the proper validation request or not in the timeframe you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: DE

Complaint narrative:
I contacted Equifax several times before XXXX XXXX. I explained to them how they needed to verify the items that was on my report. Once a FTC letter was carefully reviewed they removed THREE items on my report. They failed to send me documentation that items were removed 1 : Bankruptcy # XXXX XXXX : XXXX XXXX # XXXX 3 : XXXX XXXX. 

Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

2 : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Only a consumer can validate a debt 15 U.S Code 1692g. I have suffered from Equifax 's gross, negligent and willful behavior. These injuries included and not limited to being denied for credit, deformation of character, loss of business income, denied for mortgage and mental anguish,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Nelnet, Inc.
State: MI

Complaint narrative:
" I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved '' Violation of the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft. Nelnet Account Number : XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. For this reason, You violated the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.. 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft. Nelnet Account Number : XXXX. As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. For this reason, a deletion of the above account is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. Notice, it is a fact, that, I, agent for principal XXXX XXXX and XXXX, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as Department of Education, XXXX, XXXX, XXXX, and Nelnet has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Upon checking my credit report I noticed I had fraudulent accounts being reported. I tried to reach out to credit reporting bureaus but the did not properly investigate and correct reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: CT

Complaint narrative:
I made serval attempts to resolve this matter with this debt collector yet, they continue to false report inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
-- -- -- -- -- -- -- -- Dear CFPB, I'm desperate for help. My family and I have suffered from a huge financial loss. 
From XX/XX/XXXX to XX/XX/XXXX, I transferred seven times totaling $ XXXXUSD from wire transfer from my XXXX XXXX Checking Account into Coinbase Bank ( Coinbase 's Bank is XXXX XXXX XXXX ) because I was scammed by a fraudulent platform, XXXX  ; Later, I learned that this was a scam. 

I fell for the scam because I thought that Coinbase is a very trustworthy company because of its great reputation. Therefore, I trusted Coinbase and gave in with all my life savings. Using the wallet transfer in Coinbase, I transferred all that money into a fraudulent platform ; Unexpectedly ( from the present perspective ), Coinbase gave no warning not only that this is a flagged-for-fraud wallet, but also a verified one. That means that Coinbase has an untrustworthy verification system, therefore betraying our trust. In a second, all my life savings are sent onto fraud, permanently losing it ( unless you help! ). 

I then reported this to the FBI, XXXX, and Coinbase. Most of them get little to no reply. For Coinbase 's reply, they DIDN'T CARE and directly tell us to complain to the FBI and states that they hold no responsibilities, although XXXX holds ALL responsibilities to this case ( separate report to CFPB ) including many others that were also scammed because of their naughty verification and system. I finally decided to request clearly to XXXX for a dispute of at least a partial amount for this case, but they refused. 

I also got all my personal information leaked ; Driver license and everything on it, are all leaked. I had to change my checking account ( I recently did so ). 

Please, CFPB, help recover our financial loss. Thank You! 
-- -- -- -- -- -- ---

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, I went to two ATMs to withdraw money. I went to 2 ATMs because I thought there was a problem with the ATM. My transaction was charged, then reversed several times. The transaction charged my account 12 times. They charged my account {$300.00} eleven times, and {$100.00} one time. This has never been a problem. Usually Wells Fargo sends me an alert that I approve. I had to call twice today to get help. The first agent did not resolve the problem.

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 2021-09-30 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: FL

Complaint narrative:
Hello, I was able to verify incorrect information on my credit report, since that moment I just started the process to get in touch with the credit Bureaus in an attempt to get this issue corrected. The sad true its that I never got an answer. I sent lettters for at least 4 times and never got an update or any kind of corresponde. 

At this point and very much frustrated to keep trying to receive an answer from the Credit Bureaus.

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 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Chase Bank has not honored the terms of its chase closing guarantee which guaranteed us {$2500.00} if the loan did not close on time, which it did not for us. We reviewed the terms of the guarantee, we are fully eligible and no ineligibility rules apply in this case. The entire loan process with them was tedious, frustrating and unpleasant, with the bank dragging its feet and making mistakes. My chase mortgage application was approved on XX/XX/21, Our purchase contract was submitted on XX/XX/21 with a 30 day closing. Because of Chase, the loan did not close on time. The closing did not happen until XX/XX/21. During the process All documents were promptly submitted by us when requested by the bank. Yet the bank was not diligent about responding to us or our real estate agent. There were many instances where we couldn't reach anybody at chase related to my loan and it seemed they were not even working on it. This complaint is specifically related to the closing guarantee but the issues we mentioned are to demonstrate that the late closing was their responsibility. Their response so far has been vague, unethical and evasive. They have not responded to our inquires at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems is harassing me. They just called me 12 times within 2 minutes. I have tried contacting them back but they do not answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I was able to verify incorrect information on my credit report, since that moment I just started the process to get in touch with the credit Bureaus in an attempt to get this issue corrected. The sad true its that I never got an answer. I sent lettters for at least 4 times and never got an update or any kind of corresponde. 

At this point and very much frustrated to keep trying to receive an answer from the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Medical Business Bureau
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXXNTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Medical Business Bureau , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: VA

Complaint narrative:
I opened a Dispute with Experian on XX/XX/2021 for Chapter XXXX bankruptcy it came back valid on XX/XX/XXXX I asked XXXX for validation letter they sent me a paperwork back saying it was validated by XXXX I had disputed it with XXXX on XX/XX/XXXX they had already ready sent me a letter saying the chapter XXXX was invalid removed on XX/XX/XXXX Experian keeps saying its comeing back validated though XXXX and its not I called them I have a copy of my hole XXXX report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation