vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I had received a missed call from an XXXX XXXX. However after several attempts she refused to pick up the phone and according to her Co. Worker XXXX she can not speak to me because I has an Attorney by the name of XXXX XXXX however he withdrew himself as you will see on the attachments on or about XX/XX/XXXX. He lied to me prior to getting my money that he had absolutely no association with Wells Fargo only to find out after he sold me out working undercover for them that he has a Checking Account with them. So now Wells Fargo is spitefully attacking me over this. And sadly XXXX XXXX who wrote the letter dated XX/XX/XXXX With the phone number XXXX XXXX XXXX appears to be an outdated or maybe false contact individual due to the fact she never answers her phone and her voicemail greeting is dated XX/XX/XXXX. And the supposedly Home Preservation Specialist XXXX XXXX XXXX XXXX XXXX XXXX Ext XXXX hasnt returned any of my calls. And sadly this is a case of fraudulent conduct and retaliation tactics because I had complained to you all and fired their counterfeit lawyer whose been working undercover for them by the name of XXXX XXXX. They fails to mention that XXXX XXXX, XXXX has been communicating with real attorney on my behalf but they continue to lie and play games despite my mother XXXX XXXX being deceased which means shes no longer on the mortgage. However because its too much like right Wells Fargo doesnt want to do whats right and originally this case was actually supposed to go to a Jury Trial. But when I got rid of a prior Attorney by the name of XXXX XXXX from legal aid who was also working undercover with them. Then all of a sudden they filed the Sheriff Sale Action against me but I didnt have the time to even file a legal response because by that time the Courts were closed due to the COVID 19. I would however request that these harassing games stop immediately and that I can get on to paying this monthly mortgage

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 2021-12-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I had filed a dispute on Experian for a debt that has been improperly reporting on my credit report. The account with XXXX XXXX XXXX was opened in XX/XX/XXXX. Due to incontrollable circumstances in which I had no other options than to file a XXXX XXXX bankruptcy. On XX/XX/XXXX I had filed for protection under XXXX XXXX. On XX/XX/XXXX the initial notice was sent to the creditors and on XX/XX/XXXX the notice for the meeting of creditors ( date/time/place ) was sent. All three notices included XXXX. My bankruptcy was discharged on XX/XX/XXXX and XXXX  was sent a discharge of debt. I've attached a copy of the petition, meeting of creditors and discharge paperwork. Unbeknownst to me, XXXX XXXX started reporting this account with a XX/XX/XXXX open date and a XX/XX/XXXX charge off account. This was after the debt was forgiven and prior to them ever reporting on my credit. The results of the dispute didn't rectify the issue. They zeroed out the account and listed a bankruptcy date of XX/XX/XXXX and a closed date of XX/XX/XXXX. From my understanding, this is a violation of my rights under the FCRA. The update has now caused me to lose my pre-approved status on trying to purchase a new home. I've worked hard to start rebuilding myself after my bankruptcy and I was told that the way it's now reporting is valid. This debt should've never started reporting two years after my discharge nor should it be dated as closed/included in bankruptcy as of this year. This account was never reporting prior to XX/XX/XXXX, so how is it legal that they can erroneously start reporting a discharged debt in which they were informed through my petition, meeting of creditors notice, and discharge notice?

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 2021-12-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
EQUIFAX AND XXXX ARE XXXX XXXX XXXX XXXX COMPANIES THAT LIKE TO TORTURE AND DESTROY XXXX PEOPLE AND XXXX VETERANS!! THESE IDIOTS AT THESE XXXX COMPANIES REFUSE TO REPORT PAID CLOSED ON ALL MY XXXX STUDENT LOANS THAT WERE DISCHARGED DUE TO XXXX! THEN, THE COMPANIES LIE TO THE CFPB AND THE PUBLIC AND SAY THEY WERE INVETIGATED AND PROPERLY REPORTED WHICH THEY WERE NOT!! THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANIES LIED TO THE FEDERAL GOVERNMENT AND VIOLATED FCRA WHICH IS A CRIME!! MY STUDENT LOANS ARE ALL DISCHARGED/PAID/CLOSED ZERO BALANCE AND YOU WERE TOLD THIS BY XXXX AND YOU ARE DELIBERATELY REPORTING OPEN OR A BALANCE WHICH IS ILLEGAL!! SEE ATTCHED DISCHARGE LETTER!! REPORT ALL MY XXXX STUDENT LOANS PAID CLOSED ZERO OR I WILL SUE YOUR COMPANIES FOR EVERYTHIG ITS WORTH, AND GO TO THE MEDIA WITH MY COMPLAINT!! YOUVE BEEN REPORTED TO THE ATTORNEY GENERAL OF THE STATE YOU DO BUSINESS IN GEORGIA AND CALIFORNIA AND DC ATTORNEY GENERALS OFFICE!! EQIFAX REFUSES TO ALLOW ME FOR STUPID REASONS, ACCESS TO MY FREE ANNUAL CREDIT REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I pulled an Experian credit report. I found XXXX credit files for car loans on the file from XXXX. I called on the XXXX th of XXXX for explanation as I had only requested XXXX auto loans. The first was opened on XX/XX/XXXX for a XXXX XXXX. This loan was then closed and reported as requested by me. I asked for paperwork that I requested this closure which I did not. The second loan opened on XX/XX/XXXX for the same XXXX XXXX. I have no knowledge of this loan and never requested and such loan. I got no response from XXXX on the phone inquiry. I then sent a certified letter on XX/XX/XXXX to the address supplied by Experian. I recieved this letter back from the postal service on XX/XX/XXXX as undeliverable. I wish the XXXX loans removed from my credit report on all credit services as XXXX has violated the fair credit reporting act and possible forgery of banking documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I contacted XXXX XXXX Apartments for verification of inaccurate debt. The property manager responded she did not have any details on the matter and referred me to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, GA XXXX. 
I contacted XXXX XXXX XXXX who also stated they did not hold any collections accounts to contact XXXX XXXX XXXX XXXX. 
XXXX, FL. XXXX I contacted Hunterwarfield on XX/XX/XXXX, which has not been able to provide me with any details or verification of this debt. 
I submitted a dispute with XXXX over the phone on XX/XX/XXXX. 
XXXX responded with a letter stating the account has been verified as accurate. The information is inaccurate and I am requesting for it to be deleted from my consumer 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 explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
Medi Credit is trying to collect an account for XXXX XXXX hospital when it.s not my account. I have tried resolving this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: AR

Complaint narrative:
TrueAccord is a third party debt collector claiming that I owe them an debt collecting on behalf of another third party debt collector. This is false and misleading pursuant to title 15 1692e ( 12 ). I have no contract between this debt collector. It is an infringement upon my consumer right 's to privacy for this third party debt collector to purchase my information to contact me, this debt collector violating my privacy pursuant to Title 15 USC 1692. This third party debt collector did NOT have any permission to contact to me at any time, violation of Title 15 USC 1692c ( a ). And have communicated with me more then once which violated Title 15 USC 1692b ( 3 ). Every contact states they are a debt collector attempting to collect a debt which is in violation of Title 15 USC 1692b ( 2 ). TrueAccord is constantly harassing me by even stating a owe a debt violating Title 15 USC 1692d ( 2 ). Everything they did was false and misleading, pursuant to Title 15 USC 1692e ( 10 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: TX

Complaint narrative:
I was contacted by a XXXX from Sentry Recovery stating that I am to pay a balance of {$6400.00} for a file that has been placed in the office by a company called XXXX XXXX XXXX. I made XXXX aware that I am a victim of identity theft, the account was fraudulently opened in my name and doesn't belong to me. XXXX provided me the information of XXXX XXXX XXXX. I contacted the company and so far 'been able to reach a solution. I would like all fraudulent account removed from my credit profile 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 explanation
Consumer complaint received 2021-12-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that is still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
I have provided my mortgage company ( Flagstar Bank ) with my Property Tax bill for my residence, on multiple occasions, requesting them to schedule the second semi-annual payment which is due by XX/XX/XXXX. They have not responded. 

The current online Flagstar Bank mortgage escrow status shows the next escrow tax payment is not scheduled until XX/XX/XXXX, which is 9 months after the due date. The current escrow account balance is well above the required minimum balance threshold ( 2-months of tax & insurance escrow payments ), and has more than enough current funds to pay both property tax & upcoming annual home insurance bills. 

XX/XX/XXXX ( faxed copy of Property Tax Bill requesting payment in full of annual tax bill ) * XX/XX/XXXX Flagstar Bank disbursed Escrow funds for 1st semi-annual installment listed on the tax bill. Despite the escrow account holding enough balance plus required reserves to pay the annual installment in full, they ignored my request. 

XX/XX/XXXX ( called Flagstar Bank, then sent e-mail with PDF attachment of Tax Bill to Flagstar Bank property tax department, requesting them to schedule a XXXX payment for the remaining 2nd semi-annual installment of propert tax due ) XX/XX/XXXX ( follow-up e-mail requesting to schedule payment of remaining tax balance ) XX/XX/XXXX ( follow-up e-mail requesting to schedule payment of remaining tax balance ) XX/XX/XXXX ( follow-up e-mail requesting to schedule payment of remaining tax balance ) * Flagstar bank still lists next tax installment is scheduled to be paid in XXXX, XXXX. 

XX/XX/XXXX ( AGAIN faxed PDF attachment of Tax Bill, also re-sent PDF as e-mail attachment requesting payment of remaining tax balance, due THIS MONTH. 

No response received from Flagstar Bank.

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 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I made 2 bill payments with Paypal on XXXX XXXX using my personal account XXXX with phone # XXXX, one in the amount of {$150.00} and the second one in the amount of {$90.00}, file uploaded. When I made the payments they showed up successfully. When I contacted Paypal today because payments are not showing with the credit card provider, they told me they only showed one transaction for {$150.00} as denied by my bank as insufficient funds. I had money in my account at the time the payments were made and that money is still sitting in my account. I have a statement from my bank also stating they never receive a transaction from Paypal, file uploaded, therefore the transaction was denied, Last month the same thing happen, but they stated it was denied by credit card company, and shortly thereafter sent me {$50.00} as a courtesy for rejected bill payment. 

Paypal system is costing me! My credit card payment is due by XX/XX/XXXX and I will suffer late payments of {$29.00} per account as well as a dig on my credit, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX, XX/XX/XXXX, XXXX XXXX, I was booking a flight online with JETBLUE. When step 3 of the booking process ( Review & Pay ) was displayed, an offer of " {$250.00} credit statement and 15,000 Bonus Points '' popped up on the screen ( see attached ). This offer, showed a different final amount after the " statement credit '' is applied, my estimated amount due for the ticket would go down from {$410.00} to {$160.00}. Without further ado, I hit the button " Apply Now '', completed the application form, an instant approval came from https : //www.barclaycardus.com and I went to book my flight.

Needless to say, my first disappointment was when I was confirmed and charged the full amount without any discounts. The applied points were far from the 15,000 BONUS points promised by this offer, in fact they were the usual points one gets.

The second disappointment came today, when my new card arrived and I created an account with Barclay to check my balance and see if the promised credit of {$250.00} had applied. Not only that it had not, but there was a hefty {$99.00} annual fee, a total of {$540.00}, instead of {$160.00}, as per their offer. The third and final disappointment, the activation telephone number published on the card and o
n the company 's website was not a working number and the main phone number to customer service was not working as well.

I called JETBLUE to seek their assistance as this " Bait and Switch '' marketing campaign is obviously a joint venture, the customer service rep transferred me to Barclay, despite of my warning that their phone numbers do not work and they did not work for the rep either.

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 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have been receiving phone calls from Conns home plus every day. They call every hour from XXXX XXXX to XXXX XXXX. I have told them several times to stop calling me so often. I have tried in the past to block the number but they keep calling from different numbers. Now I just ignore the phone call but they still call every hour. I have told them before that I was not working and was unable to pay but that has not stopped them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: CA

Complaint narrative:
XXXX XXXX reported two late payments on my credit report for XXXX and XX/XX/XXXX on XX/XX/XXXX. I had contacted the company in XXXX and faxed my legal name change paperwork and XXXX XXXX military orders ( with XXXX acct. num. ) to have payments differed until after my orders ended ( XXXX. -CA Families Financial Relief Act ). 
In XX/XX/XXXX I noticed the late payments on my credit report and I called XXXX to inquire as to what happened. They said their was a miscommunication on their end within their departments ( perhaps due to the name change ) and my deferment wasn't processed. They apologized, corrected the deferment ( currently no payments due until XXXX XXXX ) and refunded any late penalties that were on my account. My account is now in good standing with no history ( on their end ) of late payments. 

However, I can not get the late payments off of my credit report. XXXX customer service says they can only offer a letter that states the late payments were inaccurately reported ( which I turned into Experian and it did no good ). XXXX states they have no way to call Experian to verify the letter. Their research department handles credit bureau reporting but they only have a fax number or an address for snail mail. 

In summary, XXXX XXXX research and customer service departments are not communicating. The research department most likely thinks the late payments are accurately reported while the customer service department disagrees. I tried to see if we could do a conference call with myself, XXXX customer service and Experian to get the mess sorted out but Experian said they are not allowed to talk to third parties.

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 2021-12-07 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Transunion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that is still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry 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