vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On the first attempt, I tried to correct a matter of accurate information in the credit report. The issue at hand was of a paid debt, not showing in the credit report accurately on the date of settlement. There are multiple charge offs on multiple months and years when they should only be one on the initial date of write off. The credit agency XXXX are not taking the steps to eliminate these inaccuracies on their most recent, resolved, completed dispute investigation. I provided documentation for every inadequacy in my report for specific creditor. The first charge-off was on XX/XX/XXXX. They are charge-offs every month between XX/XX/XXXX and XX/XX/XXXX on every month. they are also not marking the last day of payment as paid to agree on XX/XX/XXXX instead, it is marked as a charge off. This does not explain or indicate why the creditor or the agency hadto mark charge off multiple times which is damaging my credit, worthiness, and any chance of me getting a Home or obtaining credit. there should only be one charge off date because this is the date the creditor written off the amount I owed. Since then I made a settlement with the creditor, and I should have a chance to repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Good afternoon, an apology for my bad XXXX, the problem is the following, I was looking for a house for rent because I urgently need to move, browsing the internet I came across an ad that sent me to XXXX, it was a house I agreed to what I was looking, I contacted the person, he gave me his phone number, we talked about the house, about the application requirements, etc., we made appointments for the tour of the house, we did the physical tour, I signed a physical contract and also by email ... everything was normal, that happened on XXXX, XX/XX/XXXX, I paid the deposit and the application that was a total of XXXX dollars, supposedly the only thing left was for them to clean the house and send me the keys to move, but it never happened, the person stopped Answering the calls and messages never gave me a reason for anything, supposedly he was a Real Estate agent, in the photos I will leave proof of everything, the contract, the bank information to which I made the payments, telephone number, email, etc., if you could help me please This is the email and number of that person XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: MECHANICS BANK
State: CA

Complaint narrative:
This vehicle doesn't belong to me. I see on my report that this was paid off. I have contacted this company to let them know the owner of the vehicle has file for bankruptcy and has made arrangements. I requesting for this to be removed from my report. I am a single parent trying to raise my kids, this is affecting my way of life. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I havent received a call from Barclays in months and their app isnt user friendly to make payments. I have contacted them in the past in reference to not allowing my bank account to be used. I have a hard time using technology their app isnt user friendly. Thats how I fell behind in the first place as well as I never received call about my account. I would like to settle my account but they have never gave me an option to do that.

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 2023-04-19 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: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX, and I do not have a XXXX XXXX credit card account. They did provide me with the original application like I asked, nor did they provide a witness to the application. 
I demand the account be removed from my credit 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 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have sent multipy copies to them of there paperwork. Sent by XXXX. I have recieved multipule lied as to what was wrong with this form and, I am tired of the run around do I need to contact the banking regulations board. Legaly they had 90 days to have this money in my hand yet 3 going on 4 months after that deadline no money has been disbused. Just runn around after excuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, we received a letter about receiving Homeowner Assistance Funds from the XXXX in FL. The letter states for 18 months at the then-mortgage payment of {$1800.00} ( and some change ). Our lender, Cross Country Mortgage, received payments directly from XXXX in that amount just fine for months until XX/XX/XXXX. The payments suddenly stopped. We have yet to have an XXXX payment go through either. That is two payments missing. Every time I call the HAF XXXX FL they say it was sent, they say the XXXX payment was cashed ( it wasnt ), they say they launched an investigation well nothing is happening. This was supposed to help us. We are in a world of debt, our home is already being listed, and in order to pay the XXXX and XXXX payments, I had to do another balance transfer from credit cards. The HAF XXXX FL is a lying scam, they cut us off instead of completing the full 18 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
My {$4900.00} in CashApp has been stolen by CashApp. I filed a complaint against CashApp with FDIC and yesterday FDIC responded that my {$4900.00} are held by a Financial Institution called Block Inc and that I should approach CFPB to recover my funds from Block Inc. My FDIC Case # is XXXX. Cash App is not providing the email of XX/XX/2023, which they are alleging to have sent me. Ask Cash App to send me the alleged email of XX/XX/2023, via CFPB This complaint has new information. Do not close this complaint as Duplicate. My phone # is XXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00}

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 2023-04-19 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: OH

Complaint narrative:
I have been reporting an invalid account on my Experian credit report since XXXX. An XXXX XXXX XXXX XXXX has been reporting {$2400.00} debt on my credit report since XX/XX/XXXX. Experian has not removed the account I have no knowledge of. Experian hasnt provided me with no proof or evidence this account is even mine. Each time I dispute it, within a week or 2 it comes back as updated and continues to be on my report. I am so close to finally buying my first home and this account XXXX XXXX XXXX XXXX on my credit report is the only thing holding me back. An account I have no record nor knowledge of. Experian did not and has not done their part in following FCRA. Experian has now made it to where I cant dispute the XXXX XXXX XXXX XXXX and rejects my dispute. On XX/XX/XXXX Experian let me dispute the account again. Litterally opened the dispute today and closed it in the same day! How is that fair or following FCRA rules. I have sent letters, I have disputed it digitally. I just want this to end.

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 2023-04-19 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: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports:XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}

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 2023-04-19 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: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports:XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
This is in reference to my inability to access my XXXX XXXX Account. I also have a XXXX XXXX Account with this same company, Optum Bank. I started calling in XXXX when my XXXX was being funded. That appeared online in XXXX, but I no longer can see my XXXX. I have called numerous times and submitted trouble tickets. I received a secure message from Optum Bank telling me the XXXX routed the ticket to the wrong department and that I should call them back and tell them to resubmit it to the correct dept! I did do that. I called back later to check the status, and the XXXX, with a crying baby in the background, simply told me to call back in 3 business days! Yesterday I called back and was told that the ticket had been resubmitted, but was then closed with a note saying No hold on this account. Case closed. In the meantime, I can not access my tax forms nor can I get access to my money. After being on hold for XXXX hour and XXXX XXXX minutes yesterday, the XXXX gave me her email address and suggested I send her an email in a couple of days to have her check if there was any updates! I sent an email to XXXX per instructions on their website, but have had no response. 

I have been told by a few different CSRs that there can not be more than XXXX account with the same social security number. My response is always the same I have XXXX XXXX and XXXX different accounts. I have had these XXXX accounts for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: LA

Complaint narrative:
I recently requested all XXXX of my credit reports from XXXX, however, due to internet failure, phone drop, or whatever it was I couldn't get my XXXX report.Upon going over and comparing reports I found that alot of information is being reported illegally, inaccurate, and non-compliant with false information about me.The accounts in reference are as follows : Balance XXXX, Experian reports date opened XX/XX/XXXX, yet comes at the end and says it was opened XX/XX/XXXX, then it says last payment XX/XX/XXXX when on pay chart last payment was infact XXXX lacks critical information and reporting according to XXXX Metro 2 compliance regulations. Next account : Is valued {$600.00} which violates majorly when my information was obtained without consent and no lawful proof of debt, same with account owing {$290.00}, its listed as being for another company, then it says the account was opened XX/XX/XXXX, delinquency first reported XX/XX/XXXX, no lawful debt or original papers.Everytime I dispute something thru Experian it comes back verified without any type of explanation as to how, who did you talk to, did you validate original paperwork..nothing, just it's verified.This misfortune has cost me loans in time of need, housing, credit cards with good APR along with alot of other stuff.Under fair credit reporting at, section 611 ( 5 ) ( A ) I ask that all information that is inaccurate, incomplete, or which can not be verified be removed immediately..Thank you..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
HITo file a complaint against Wells Fargo Bank, ANNUAL XXXX WITH WITH FARGO BANK AND MY CASE REVIWING HER NAME IS XXXX  SHE CLOSE MY ACOUNT BY MISTAKE BECAUSE SHE SNT ME WRONG APPLACATIONS AND I RECIVED SHE REMOVED THE HOLD ON MY ACCOUNTS AND THE ACCOUNTS BUT ONLY CHECKING BAck active and saving closed account XXXX, Case number : XXXX Wells Fargo employees involved in my case.is XXXX and i calle dher supervisor many times and i left voice massages and i dont recived call back form any of them i hope to help me to get my money back above XXXX  XXXXand reopen my account taken acutions to resolve the problem here some of the emiles i had complaint to wellsfargo branch and call center and resolution team all promisted to fix the issued but nothing happened here few emails We received your concerns XXXX XX/XX/XXXX, XXXX to me Title : Wells Fargo logo - Description : Wells Fargo logo Case number : XXXX Account number ending in : XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for sharing your concerns with us. We know this needs our attention, and were looking into it for you. 

Whats next Well respond within 10 business days from the date you contacted us. If we need more time to research and respond to you, well let you know. 

Were here to help We appreciate the time and effort you took to contact us. If you have questions, please contact us at XXXX. Were ready to help you Monday through Friday from XXXX XXXX XXXX XXXX XXXX Central Time. We accept telecommunications relay service calls. 



Sincerely, Small Business Resolution Team For security reasons, please do not respond to this email with any personal or account information. 

This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply email and delete this message. Thank you for your cooperation. 

We may collect personal data as part of the complaint resolution process. For the categories of personal data that Wells Fargo may collect and how we use it, see the Wells Fargo California Consumer Privacy Act Notice at Collection at https : //www.wellsfargo.comXXXX. See additional Wells Fargo privacy notices at https : //www.wellsfargo.comXXXX. 

XXXX Wells Fargo Bank , N.A . 
On XX/XX/XXXX, at XXXX XXXX, XXXX wrote : I have made the request for the holds to be removed from your account and I will advise you once I have been notified of the results. 



From : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX, XXXX XXXX Subject : Wells Fargo app cations case XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: AZ

Complaint narrative:
I submitted a dispute to all three credit bureaus about XXXX funding acct XXXX It is reporting inaccurate information because it is a collections account and it is showing past due. A collection/debt buyer account can not show past due because they bought the account from another company. That is inaccurate and per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been getting assistance from the homeowner assistance fund since XX/XX/XXXX. I had a forebarence that ended XX/XX/XXXX. The assistance has been sending XXXX XXXX  monthly since XX/XX/XXXX. My mortgage went up on XX/XX/XXXX. 

Here is my issue : The mortgage went up around {$500.00}. I cant get them to take all the money thats been sent to cover the payments. They keep using the assistance as coverage for fees, escrow deposits, and or additional principal. 

I want all the money sent in from the homeowners assistance fund taken to cover XXXX, XXXX, and XXXX payments. There is enough to cover all 3 payments. I want my credit bureau reporting updated to paid on time. I also dont want to go through this anymore. Starting in XXXX I will have to send the additional to the {$1100.00} for the mortgage increase. I hope they can add my payment to the assistance without me calling every month. 

I have called many times for this and even sent them an email on XX/XX/XXXX to which I never got a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX  XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation