vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX, I received an email alledgedly from XXXX stating that a fradulent charge of {$2200.00} had been charged to my XXXX account and that if I wanted to dispute this charge, I should call the phone number listed in the email. Already under great financial stress, I took the phisher 's bait as I could not afford to lose any more money than I already had. The scammer explained that if I opened my online bank account, I could see that this money had been withdrawn from my account. I did so and did see that the money was being withdrawn. The scammer explained that he would place the money back in my account but that I had to enter the numbers " {$2200.00} '' for this to occur. I did so. Imagine my surprise when my monitor screen showed that I had moved " {$22000.00} '' back into my account, rather than " {$2200.00} ''. 
At this point the scammer claimed that MY mistake ( which he had orchestrated from his computer ) would cost him his job at XXXX UNLESS I went in person to my bank ( Wells Fargo ) and wired the money directly into his account. Because I did not want him to lose his job and because I am an honest person and realized this money did not belong to me, I did go to my bank and make the transfer as instructed by him. 
Imagine my horror when I realized the next day that I was the victim of his manipulation, when he had convinced me that he was the victim here because of my mistake. 
I have no satisfaction either from Wells Fargo, my bank, or from the receiving bank, XXXX XXXX XXXX. You will find attached the original the scammer sent me, the wire transfer information the scammer gave me to complete the wire transfer, and a telephone chart of his phone calls to me. I have filed a report both with the FBI and with the FTC. I have contacted the local police and the local sheriff.

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 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account XXXX - CARD SERVICE dated XX/XX/2015 that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 non-monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SEMPER HOME LOANS, INC
State: IL

Complaint narrative:
SEMPER HOME LOANS , INC. 
XXXX XXXX XXXX Loan Officer NMLS # XXXX I submitted my initial application on XX/XX/2021 for 2.5 % @ 30 year fixed. He told me I am eligible for {$1000.00} credits as well. I gave all basic info including the SSN for me and my wife, which is all what is required to initiate the application and lock in the rate. I took couple of weeks to upload my bank and income statements and as per FTC site, I have 60 days to submit all documents once I filed initial application and those are required for underwriting processes. No bank has ever asked me to upload all documents within minutes to lock in the rate. However, on XX/XX/2021, I submitted all important documents only to hear that my initial offered rate of 2.5 % is not locked in even after Semper pulled my credit. Also, the loan officer then try lure me to high rate stating I took couple of weeks to upload my income statements, which is only required for underwriting process. I was shocked and came to realize that he is running a scam by luring customers with lower rate and force them with higher rate by using illegal tactics. I request CFPB to kindly look into such illegal tactics and practises and take appropriate action. Thanking you, Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
the debt collection company is collect debt that i never had

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I had my identity stolen and I have a debt in my credit report of {$21000.00} for a medical bill that is not mine. This thief went to the XXXX XXXX XXXX. First of all this individual stealing my identity lives in Texas, and I live in Illinois!!!! I need help catching this thief and putting them in jail. She is ruining my life. Please help me

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 2021-10-08 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:
I rarely ever check my credit report, but I recently checked it and was appalled because I have 2 fraudulent accounts that were not authorized or opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the CRAs and my legal team and was advised to fill out an FTC Identity Theft report which I have attached down below. I also have multiple addresses that I am not associated with as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IA

Complaint narrative:
Contacted HPFC to obtain a payoff quote for the sell of my home. The payoff was good till XXXX XXXX in the amount of {$320000.00}. {$320000.00} principal, {$770.00} interest, {$220.00} PMI, and {$100.00} for recording fee. Funds received after would be an additional {$29.00} per day. on XXXX XXXX HPFC received the full amount prior to their XXXX cut off time for processing. Upon review of my account on XXXX XXXX I noticed a partial settlement in the amount of {$130.00}. When asked what it was for? HPFC said interest. This is not listed anywhere on the account so I asked for a 30 day statement which I received. The only interest on the payoff was {$770.00} which was remitted and received by HPFC. I asked HPFC to do an additional review numerous times and no one can tell me what the interest is for and why it was not disclosed in the payoff quote. I have asked HPFC for a refund/dispute of the amount as it was not disclosed with no satisfactory response from the company. I want a refund and want to know why I was erroneously billed. The refund was not applied to my escrow refund either which showed a balance in the amount of {$2500.00} of which HPFC claims to have refunded as of XXXX XXXX. I want to know why the {$130.00} is charged and why the company refuses to discloses the sources and choose to omit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AppFolio, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I applied to rent a house in XXXX XXXX, NV with XXXX XXXX. After paying the {$85.00} application fee, XXXX XXXX XXXX hired AppFolio to do a tenant screening on me. I know my XXXX XXXX XXXX is XXXX with XXXX and so I applied after XXXX XXXX informed me she was looking for XXXX or better. A couple days later, my application to rent was denied. I now realize this decision was based on false information being passed on as if it came directly from XXXX. I have a membership with XXXX and am in contact regularly with that credit bureau. I received a letter in early XXXX from XXXX XXXX showing the tenant screening details from AppFolio , IncXXXX with a fraudulent XXXX XXXX not matching the XXXX score being reported by XXXX as of the date their background check was done. This hypocracy must stop. Consumer 's credit info is being verified and misued everyday by so called tenant screening and we are left to deal with the fraud!! I submit my formal complaint against both XXXX XXXX XXXX and AppFolio for providing false consumer XXXX XXXX data about me, and applying this score data while passing it off as though it came directly from XXXX ( per XXXX 's letter enclosed ). I have attached copies of XXXX 's tenant screening letter and a screenshot of XXXX 's actual XXXX score on my as of XX/XX/2021 to expose the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: CA

Complaint narrative:
I had a XXXX XXXXXXXX XXXX XXXX with an account ending in XXXX It went delinquent in XX/XX/XXXX then they charged it off at the end of that year and filed a court case against me in XXXX of XXXX, which eventually turned into a judgement. I have paid the judgement in full, recently, but the credit is still reporting the balance owing {$6000.00}. Please see the court information and the judgement completion documentation from XXXX XXXX. They need to REMOVE THE BALANCE OWING ASAP, I am trying to purchase a home which I can not with that balance owing. 

Furthermore, it is unethical for them to both claim I owe on my credit report and dually file a judgement against me. They should have zeroed out the credit report when they were granted the judgement for the owing balance. This has been affecting my credit in 2 different ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CAVALRY PORTFOLIO SERVICES , LLC. ( XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 an international wire transaction for XXXX usd dollars was initiated using wells Fargo online baking they charged a XXXX dollar fee. Today after almost a month the money haven't reach the receiver neither returned to my account. I had call several time and they just transfer me from one department to other without solving my issue.

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 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i sent NATIONAL CREDIT SYSTEMS , INC a letter about an alleged debt of XXXX that I don't owe.this is an inaccurate item and should be removed from my credit report. national credit systems , inc sent me a document in the mail claiming that i owe a debt on XX/XX/2021, i sent them a letter requesting the validity of the alleged debt of {$920.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, NATIONAL CREDIT SYSTEMS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX and today is XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on AMERICAN EXPRES dated XX/XX/2006 ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I subscribed to XXXX online bookeeping service on XX/XX/2021. As part of my signup, I elected to have my monthly charge automatically deducted from my bank account by XXXX. 

XX/XX/XXXX - my {$9.00} monthly fee was withdrawn from my account by XXXX XX/XX/XXXX - my {$9.00} monthly fee was withdrawn from my account by XXXX XX/XX/XXXX - a {$10.00} monthly fee was withdrawn from my account by XXXX ( for a second service I had not ordered ), XX/XX/XXXX - I called XXXX and terminated my subscription. I also pointed out the {$10.00} charge was incorrect, as I had not ordered an additional service. 
XX/XX/XXXX - XXXX refunded the {$10.00} back to my account. 

All of these transactions were done automatically by XXXX. 

I got a letter around XX/XX/XXXX from collection agency Complete Payment Recovery Services IncXXXX XXXX XXXX XXXX XXXX, claiming they were collecting for XXXX the amount of {$10.00}. I spoke to XXXX who told me my account had been paid in full each month and I was not in arrears. They also told me they never submitted any claim to the above collection company, and would never do so for a new customer, for such a small amount. They advised me to simply ignore the letter, which I did. 

Since that time, I have received a second notice from the collection company on XX/XX/XXXX. 

I am including documentation of all transactions with XXXX, as well as the 2nd collection agency 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
Consumer complaint received 2021-10-08 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX amount {$530.00} opened XX/XX/XXXX closed XX/XX/XXXX Acct # XXXX LVNV FUNDING LLC Original creditor : XXXX XXXX amount {$520.00} opened XX/XX/XXXX closed 90 days later Acct # XXXX LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX. amount {$770.00} opened XX/XX/XXXX closed 90 days later due to non payment Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently submitted a request to XXXX to receive my three free annual credit reports. I received my credit report from XXXX and XXXX XXXX but was denied my request from Equifax. I am submitting this request to assert my consumer rights and attain my credit report from equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: AL

Complaint narrative:
I have been requesting a refund of the money paid for the secured loan to no avail. I paid the loan off in XXXX. I have sent them numerous documents all of which were requested by SELF. I can not speak to anyone via phone and the email system they have set up keeps sending me the same email requesting the same documents that were submitted previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
random inquires that have just been popping up when i have no business or account with these companies equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: ALLY FINANCIAL INC.
State: VT

Complaint narrative:
In XX/XX/XXXX I filed a dispute of information on my Ally Auto account in collections through a credit bureau ( XXXX  I believe ). I filed the dispute with a complaint of the late payments being inaccurate and that the loan was included as one in the class action suit that lead to a settlement for all affected loan consumers. I asked that the amount that Ally is supposed to pay be removed from the balance and for the late payments to be removed. I also asked stated that I didn't receive credit for the car that was repossessed being sold at auction. Instead, there were late payments added to an account that was charged off and has been closed, dormant and in collections for years. I called Ally and they said that they couldn't access the account and that I would receive a letter from the credit bureau explaining the changes ( I haven't ). I reached out to Vermont 's Attorney General 's office and they directed me here. I have since learned that the settlement agrees that any negative remarks are supposed to be removed in XXXX of XXXX and {$1300.00} of any balance will be removed.

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 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The I C SYSTEM INC ( Original Creditor Name 11 XXXX ) Opened XX/XX/2019 was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account 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