vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I mailed a letter to the recipient about accounts that were inaccurately reporting and I still have not received any notice or update about the accounts. My credit is very important to me and I would like to have some assistance with this matter. The contents of the letter are as follows : NOTICE REQUEST FOR REINVESTIGATION RE : XXXX XXXX XXXX, Account # XXXX XXXXXXXX I believe that the information on the consumer report is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation for the following : XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX  XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXXXXXX Please verify if the following accounts listed above are reporting accurately or completely. I am disputing the Date of the last payment and the open date of XX/XX/XXXX. Once verified please send a copy of my credit file. 

Please help me with this matter asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I mailed a letter to the recipient about accounts that were inaccurately reporting and I still have not received any notice or update about the accounts. My credit is very important to me and I would like to have some assistance with this matter. The contents of the letter are as follows : NOTICE REQUEST FOR REINVESTIGATION RE : XXXXXXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX I believe that the information on the consumer report is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation for the following : XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX Please verify if the following accounts listed above are reporting accurately or completely. I am disputing the Date of the last payment and the open date of XX/XX/XXXX. Once verified please send a copy of my credit file. 

Please help me with this matter asap.

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 2023-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CATHAY BANK

Complaint narrative:
CATHAY BANK MORTGAGE DEPARTMENT I had a mortgage serviced by XXXX that was bought out by Cathay Bank over a year ago and it has been an absolute nightmare. 

Firstly they ported over all of my information incorrectly and the app and website do not allow me to fix it. Secondly they do not have a phone number for their mortgage department so they are not helping customers with any mortgage related matters despite having the product. 

They have not given me my 1098 which they are obligated to do by law so that I can file my taxes and I have asked on numerous occasions that they provide it.

I have called over 10 times from XX/XX/2023 - XX/XX/2023. I have also messaged back and forth with the customer service on the mobile app from XX/XX/2023 - XX/XX/2023 and emailed the address they redirected me to after refusing to help me on XX/XX/2023 & XX/XX/2023. They told me I should get a response in 48 hours but no one has responded. 

They tell you to email this address : XXXX and someone will get back to you in 48 hours but this is not the case. 

The retail bank customer support says mortgages are a different department with no phone number and also refuse to help. It is absolutely ridiculous. 

Right now I am trying to figure out what other course of action I can take. They wont make my 1098 available online or email it to me. None of the contactable costumer service people are in the mortgage department so they say they have no authority to help me with anything.

One customer service rep said the mortgage department is in absolute chaos and not responding to anyones emails right now. This is completely unacceptable. What am I supposed to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: WA

Complaint narrative:
On XX/XX/XXXX I checked my account and noticed a {$600.00} charge not authorized by a company called XXXX. Usually my bank will decline transactions unrecognized but failed to do so. I called Wells Fargo and was told that it will take up to 10 days for the fraud department to do an investigation. I had some apple store charges as well and told the agent helping me I would resolve that with XXXX. Fast forward with 11 hours on the phone seeking answers and information, visiting my local branch and spending 4 hours of time between 2 visits, as well as even going as so far to add people on XXXX to that worked for the company, I finally received my refund. The same day I received it I was sent a letter they reopened the claim and now will be taking the amount back on XX/XX/XXXX. Another letter was sent on XX/XX/XXXX that its resolved and closed so the amount was permanently in my account. I was sent over 13 letters with constant changes and I am unclear why. Its a case that was closed the day I called on XX/XX/XXXX and said it was fraudulent. 

The money was again taken from my account and I provided endless information showing I never authorized the charge and had a letter from XXXX showing they have no information of mine and also no account. 

This has kept me awake at night. I stayed a customer with Wells Fargo despite how terrible I was treated and trusted they would abide by the XXXX XXXX XXXX as its one of the reason I became a customer. I now have 2 separate claims with no understanding what charges are on each one. I told WF endless times to not include XXXX XXXX charges but its a continuous disconnect as the attachments show arbitrary numbers. It should be one charge. For {$600.00}. 
No one will help me, yet again Im in a spot of despair. I can provide any information possible and need someone to please help me as this has taken time from my extremely stressful job as an analyst, stopped me from flying to my families for holiday and made me unable to sign up at other banks bc of a negative amount in my account. I started this claim almost 2 months ago and my notes regarding the claim are inaccurate and I cant get a person to look up from the screen and realize its an operational error on the companys part.

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 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
My account was automatically close or ban no warning I have no dispute or illegal activities transaction to my account. So I need help to restore my account because it's unfair to my side tank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/2023 i had lost my cell phone which had me logged into my banking app as well as cash app. My bank card was linked to my cash app so the individual was able to send money from my bank account to my cash app and send the funds once they were on cash app to multiple mutual aquatances. They loaded and sent {$100.00} in total before they and my phone were located and they were taken to jail and the phone was returned to me. I have spoken to multiple cash app represenatives who claim no error occurrd that i authorized these transactions even though i have explained to each represenative the circumstances. Each time i have explained first thing that my phone was lost someone picked it up and made these transactions while i was looking for my phone and yet each represenative XXXX says that no error occurrd and then when i state to them for the second time that i didnt authorize or authorize anyone else to make these transactions that they did this while i was looking for my ohone the represenative says they are escalating my case but never do nor do they listen to me at all i have been answering the same questions for them multiple times a day since thursday and never get any differant answers and i never get to speak with a manager and this is completely wrong, unjust, and unfair as i am on a fixed income and this has truly put me in a bind and i can not get anywhere with cash app at all. Someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: AL

Complaint narrative:
I disputed a bankruptcy on my report that should not be reported because it was given to them through a third party source not from the original source and they won't delete a third party source violating my privacy which they by law can not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
CFPB + Lexis Nexis, Lexis Nexis why are refusing to send me my Consumer Disclosure Report that I am allowed by law free? 

On XXXX, for maybe the XXXX time, I submitted the request online here XXXX XXXX XXXX XXXX I then verified my identity by email and landed on a page that read " Email Confirmation request sent If you requested reports you should receive a message via US Mail within two weeks. '' Both of these copies will be attached to this complaint. 

I have done this before - then XXXX weeks later get a hard copy piece of mail that says you can not verify me ( see attached ). 

So, attached to this complaint will also be my drivers license that shows as well as my social security card - keep in mind these are supposed to NOT be required by law - but I am supplying them anyway so you have no excuses. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - proof from Lexis Nexis online I filled this out - email proof I confirmed the email - The letter from you that states you cant verify my identity I dont appreciate being given the run around by you over and over again to receive MY OWN Consumer Disclosure Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a new credit card for a balance transfer. I was approved on the XXXX of XXXX and received an email stating will take up to 2 weeks. Three weeks later it never went through, I called customer service several times during that time and got several dates about when account opened when it would go though. Finally I asked a supervisor if it can be stopped and I was informed no only way is to cancel the card I said ok cancel it, and they did. I called the following week because it showed that after I cancelled they went through. When I called again another supervisor informed me that it did not go through and I had nothing to worry about. I had to escalate it further to find out that it did go through even though was cancelled and they did not care that their representatives basically lied and did not clearly know their job.

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 2023-01-29 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Kia Motor Finance issued a check, which I never received. After calling both the dealership, XXXX XXXX Kia in XXXX Texas and the Kia hotline, it appears someone else stole the check and cashed it. Issue being, I requested an investigation and to have a copy of the cashed check sent to me with Kia refusing to assist both myself and XXXX XXXX XXXX in our investigation with the result of Kia not assisting nor sending copy of the cashed check.

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 2023-01-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I disputed a bankruptcy on my report that should not be reported because it was given to them through a third party source not from the original source and they won't delete a third party source violating my privacy which they by law can not do.

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 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
My account was ban and close without warning thats unfair for me my account use to sell online with no illegal activities or despute and cases thats why I need help to rsestore my account Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I recently locked my card Friday, XX/XX/XXXX of 2023, through online banking to prevent a charge from being processed on my account. The problem is when trying to unlock my card again Bank of America asks me to verify my identity as if I am not the one that just locked my card. Usually to verify they would give you other options like sending a gmail or text but I did not get these options, the only option I got was to call a number to get a code. I contacted the support number and they were trying to help but since I currently don't own a cell phone there is no way for me to receive a verification code or verify my identity which is absolutely crazy to me. Representatives all seemed helpful at first and then all told me the same thing which is there is nothing they can do to help. Even with my email being my preferred way of contact and me answering all my security questions I no longer have access to my checking and I cant order a new replacement card because I don't have a cell phone. I even stopped by my nearest branch and the manager could not help me, they tell me mobile is the only way to do so. As of today my account is locked and although I have access to my account through Online Banking I cant do anything such as withdrawal or card use without a verification code so my money is just sitting in an account, please help.

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 2023-01-29 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: TX

Complaint narrative:
On my credit report there is an item that should have dropped off at XXXX yrs. But it is not, it is still there at XXXX yrs. 

Please help me in getting it dropped of my credit report and have send me a corrected report. 

I thought they dropped a couple of yrs ago, but it came back I believe this goes under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
On my credit report there is an item that should have dropped off at XXXX yrs. But it is not, it is still there at XXXX yrs. 

Please help me in getting it dropped of my credit report and have send me a corrected report. 

I thought they dropped a couple of yrs ago, but it came back I believe this goes under 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 2023-01-29 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: TX

Complaint narrative:
On my credit report there is an item that should have dropped off at XXXX yrs. But it is not, it is still there at XXXX yrs. 

Please help me in getting it dropped of my credit report and have send me a corrected report. 

I thought they dropped a couple of yrs ago, but it came back I believe this goes under 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 2023-01-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Re : Reinserted illegal Debt/ Dispute To whom it may concern ; I contacted Experian credit bureaus after reinserted debt was positioned upon my report. i.e. 

* XXXX  # XXXX I kindly asked Experian to follow the law and remove this debt. They failed to do so. 

in light of the FCRA 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) & ( iii ) ( l ) ( ll ). This debt was previously deleted under a different consumer agency i.e. XXXX, XXXX see : Exhibit A Further more, this credit bureau fail to send me any correspondence detailing, as the law requires, any facts pertaining to why this debt was being reinserted upon my credit report. They violated every law required. 

In closure, I humbly request that the XXXX account be removed/deleted effectively upon receipt of this letter.

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