vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Companies : XXXX and XXXX Wells Fargo XXXX : XXXX XXXX Loan XXXX Wells Fargo Home Equity loan # XXXX Loan was paid off in XX/XX/XXXX, but still shows with amounts owed : XXXX shows {$10000.00} and XXXX shows {$10000.00}. 

Contacted Wells Fargo on XX/XX/XXXX, and was told they submitted information to credit bureau on XX/XX/XXXX Contacted credit bureau same date and was told they did not get sufficient information to update my credit report. On XX/XX/XXXX, XXXX representative hung-up on me after waiting more than 30 minutes. Neither company wants to take responsibility. I told them both this incorrect and negative information is impacting my credit report and credit score and it's hurting my ability to obtain the credit I am entitled to.

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 2022-02-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Companies : XXXX and Equifax XXXX XXXX XXXX : XXXX XXXX Loan XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Loan was paid off in XX/XX/XXXX, but still shows with amounts owed : XXXX shows {$10000.00} and Equifax shows {$10000.00}. 

Contacted XXXX XXXX on XX/XX/XXXX, and was told they submitted information to credit bureau XXXX XX/XX/XXXX Contacted credit bureau same date and was told they did not get sufficient information to update my credit report. On XX/XX/XXXX, XXXX representative hung-up on me after waiting more than 30 minutes. Neither company wants to take responsibility. I told them both this incorrect and negative information is impacting my credit report and credit score and it's hurting my ability to obtain the credit I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
Throughout the loan process with Fedloans and the PSLF program, I was never made aware that in school deferments would not count toward our payment count for the 120 needed. Even though payments were made, I am not receiving credit for those payments. After surveying thousands through online public forums, the same issue affects them as well. These payments need to count.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not a regular complaint, as Ive now filled a complaint with the federal trade commission and the XXXX XXXX XXXX. This is becoming extremely unacceptable and I demand these accounts be deleted immediately. Ive sent in multiple letters and even have tried calling an enormous amount of times into the three reporting agencies. TransUnion refuse to abide by the law and Im demanding something be done about this. It has been a very stressful process, their infringing on my right to privacy and has now cost me thousands of dollars. Ive never given any consumer reporting agency the right or ability to furnish ANY information of mine. Please have them delete these accounts as I will be forced to file for litigation due to the damages and stress caused.

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 2022-02-07 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: National Auto Lenders, Inc.
State: FL

Complaint narrative:
I would like to request an investigation for this account NATIONAL AUTO LENDERS XXXX. The bureaus are reporting late payments on this account which I don't agree. I do not believe I was late on the dates you are reporting. I highly recommend you deliver confirmation that the alleged account was in fact late so you have the necessary practices to make sure you accurately inspect your accusations. This account was reporting a balance of XXXX and the status is already CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: FL

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX ***** Opened XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX ***** Opened XX/XX/2012 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: National Auto Lenders, Inc.
State: FL

Complaint narrative:
I would like to request an investigation for this account NATIONAL AUTO LENDERS XXXX. The bureaus are reporting late payments on this account which I don't agree. I do not believe I was late on the dates you are reporting. I highly recommend you deliver confirmation that the alleged account was in fact late so you have the necessary practices to make sure you accurately inspect your accusations. This account was reporting a balance of XXXX  and the status is already CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Prosper Marketplace, Inc.
State: SC

Complaint narrative:
I was solicited by a credit card company called " Prosper '' with a pre-approval for credit - I accepted the approval after calling to discuss the details in which I was advised that the company would waive their one-time annual fee of {$39.00}, which was fairly low to begin with but not justified as I have much higher credit limits with no fee and advised " Prosper '' at the time I would not be interested otherwise. I received the card and called in as a fee was noted, I did not activate the card at that time as the company said they were wrong and could not or would not waive this fee- I therefore advised I would not be activating and to close the account. The company 's customer service after several calls agreed to cancel and refund the fee - however I received a bill in XX/XX/XXXX with the fee. I called back and spoke to their customer service again and was advised it was likely send in error as they were addressing it. Today : XX/XX/XXXX at around noon EST I received an agressive collection call toward this {$500.00} ( and I point that out as it's a bit pathetic they were agressive when the initial limit was only {$500.00} ) credit limit stating I owed approximately {$60.00} to include the annual fee and now a late fee and they demanded to know why I was late - to which I went into the above statement. This nearly cost me my job because they would not work with me nor would the company allow me to escalate, nor would they cancel the account and bill me where I could dispute it, nor would they even provide help with the account details so I could call back to dispute nor would they even provide me an address to have an attorney send them formal communication. This has been a very surreptious and scandelous company and all I have been seeking to do is close down this account as I did not activate the credit card, did not use it as I mentioned it was never activated, and as I destroyed the credit card the moment I cancelled back in XXXX, I did not have the credit card information to work with and the company made it very difficult for me as they claimed my SSN/DOB etc. was not sufficient. I did eventually get the credit card number and was able to provide that but the company after aggressively demanding I pay the full total before they would so much as cancel the card or account, I am now filing this complaint as I will likely be at risk of fraud with an account open that I have been denied access to and access to cancel.

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 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was reached out to on a freelance modeling website XXXX about an opportunity to collaborate with XXXX XXXX and XXXX  for a photoshoot with XXXX XXXX My contact is using the name XXXX XXXX XXXX the name of the company president. They sent me what I believe to be a fake check for {$3500.00} on XX/XX/XXXX, and had me send XXXX to XXXX XXXX XXXXXXXX XXXX through XXXX on XX/XX/XXXX and XXXX to XXXX XXXX XXXX through XXXX on XX/XX/XXXX - these people were said to be " supervisors '' for the photo test shoot with XXXX. 

I reached out to the verified XXXX XXXX XXXX on XX/XX/XXXX and they confirmed the email address I've been speaking with is not one of their official addresses. The email for the scammer is XXXX. For my own " identity verification '' I sent them my SSN, front and back of my drivers license, my cell number, and my mailing address. 

They also offered me a fake contract to sign on XX/XX/XXXX which is when I stopped responding immediately to their emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My navy federal account was hacked through a phished email, immediately called the fraud department and reported the hacking and told them the pending deposited check was not deposited by me, they stated theyd freeze my account and cancel the deposit. They never canceled the deposit, it went into my account and I spent it, got a call that I owed due to the fraud check, I repaid the money back and a few days later my account was placed on a level nine hold, I could no longer use my debit card, atms etc. navy federal also provided me with a copy of the check that was clearly not signed nor endorsed by me, also stated that they could see my account was hacked by someone in XXXX and refused to unlock and reinstate my account. Further more they also placed a false negative consumer report about me and has made it so that I can not open any bank account making life difficult

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: VA

Complaint narrative:
I have new & updated information on XXXX, XXXX, and EQUIFAX. Someone is using my identity to furnish items on my behalf. XXXX, XXXX XXXX EQUIFAX don't have permissible purpose pursuant to 15 USC 1681b. On XX/XX/22 I filed an identity theft report with the fraudulent accounts attached and sent it to them. XXXX received it on XX/XX/22, XXXX received it on XX/XX/22, and EQUIFAX received it on XX/XX/22. Theyre in violation of 15 USC 1681c-2 for failing to block the reporting of the fraudulent items 4 days upon receipt. I will attach my Identity theft report and my proof of identity along with my statement of identity so no further stalling tactics will be used by them. They have all the identification they need to remove these items from my consumer report. 

They= XXXX XXXX EQUIFAX XXXX and XXXX XXXX XXXX, EQUIFAX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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:
I have new & updated information on XXXX, EXPERIAN, and XXXX. Someone is using my identity to furnish items on my behalf. XXXX, EXPERIAN XXXX XXXX don't have permissible purpose pursuant to 15 USC 1681b. On XX/XX/22 I filed an identity theft report with the fraudulent accounts attached and sent it to them. XXXX received it on XX/XX/22, EXPERIAN received it on XX/XX/22, and XXXX received it on XX/XX/22. Theyre in violation of 15 USC 1681c-2 for failing to block the reporting of the fraudulent items 4 days upon receipt. I will attach my Identity theft report and my proof of identity along with my statement of identity so no further stalling tactics will be used by them. They have all the identification they need to remove these items from my consumer report. 

They= XXXX XXXX XXXX XXXX and EXPERIAN Them= XXXX, XXXX, and EXPERIAN

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 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
A debt with an account that I have never created is reporting as a debt collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Coinbase account hacked and unauthorized purchases made with my bank information of XXXX XXXX and then those purchased were sold and money from the sale moved to an account that was not mine. Total amounts in excess of XXXX XXXXXXXX. Coinbase says they are investigating but there seems to be lack of action and no communications. It seems their tactic is to block you and hope you go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I noticed around the XXXX of XXXX that my savings account was blocked on the Citi Bank XXXX I originally got that account due to the attractive miles option and deposited cash into it at a XXXX XXXX XXXX. I called a number of times to have the account unblocked. But they said the account is referred for closure, they cant tell me anything and I will receive the funds after XXXX days. My money is essentially frozen for XXXX days with no explanation. And I will not get the initial miles Id hoped for.

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 2022-02-07 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: Security Credit Services, LLC
State: FL

Complaint narrative:
My XXXX credit report showed a collection item from Security Credit Svcs with a phone number of XXXX, the phone is a recording who never calls back. The company placing that collection, was XXXX in XXXX, XXXX. They said an online purchase of a phone on XX/XX/2021 was made with a XXXX XXXX XXXX, that was not mine, through XXXX XXXX and shipped to an address that was not mine. When the account was not paid, the collection item appeared on my credit report as well as my XXXX account. 
We both filed an identity fraud dispute on our accounts. 
In addition, we have filed an identity fraud complaint with the police department, and will be following up with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wellsfargo is falsely reporting late payments on an installment account that was under the protection of the Cares ACT. I have letters from Wellsfargo dated XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX I even opened up 2 complaints regarding the following issue. I had contacted Wellsfargo requesting Covid relief for an installment loan that I currently have with them. I was offered a loan modification agreement to help ease the burden of the payment during the worldwide hardship we were all experiencing. I was assured that late payments would not be reported negatively nor that late fees would be accessed. I reported to Wellsfargo that I did not live at an address they had on file and that I needed the documents to be mailed to my current address. I was told that the documents would in fact be sent to the address I provided yet I never received them. I stayed in contact with Wellsfargo because the modification agreement never arrived and they were time-sensitive. I made this initial contact with an Executive representative by the name XXXX XXXX He assisted me in opening up 2 cases regarding the late fees and payments that were on my account at the time. My credit report shows 120 days late and that is absolutely not true. I wrote to Wellsfargo showing them I had made the payments for the months of XX/XX/XXXX and XX/XX/XXXX. In XXXX they did waiver the late fees and yet did not reverse the late payments. This is false and inaccurate reporting. In all of the correspondence from Wellsfargo that I mention above, they apologize for the confusion and the lack of good customer service. I can provide copies of all the letters and statements to show that I was under the protection of the Covid relief and that it was Wellsfargo that did not update my address and continues to ignore the proof I have sent them. The sad part is I have been with this financial institution since XXXX. I have never paid late or even given them any kind of issues. We were all impacted by the Pandemic and this is unacceptable. I have always paid for everything on time. I demand that my record be reported correctly and these late payments are deleted. I am prepared to take all necessary steps to correct this situation. It is impacting my life terribly. All calls are recorded. I demand the calls be pulled! I was promised and assured that the late payments would not be reported nor would late fees be accessed. I have a call log of when I called Wellsfargo. I will gladly send the log to the Attorney Generals XXXX office or anyone office. This is impacting my life horribly.

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 2022-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is not a regular complaint, as Ive now filled a complaint with the federal trade commission and the better business bureau. This is becoming extremely unacceptable and I demand these accounts be deleted immediately. Ive sent in multiple letters and even have tried calling an enormous amount of times. Equifax refuse to abide by the law and Im demanding something be done about this. It has been a very stressful process, their infringing on my right to privacy and has now cost me thousands of dollars. Ive never given any consumer reporting agency the right or ability to furnish ANY information of mine. Please have them delete these accounts as I will be forced to file for litigation due to the damages and stress caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been using chase both checking and savings account for several years. I have recently been a victim of phishing scam where someone posed as a business that was XXXX XXXX and had accesses my account. This happened from XXXX XXXX through withdrawals on debit cards. I also do NOT do any online savings transfers but the scammer got a hold of my information and made movements on my accounts that I was not aware because they showed a bank account screen that was fake. ( I did not know this until I actually went into a bank on XXXX and reported to the banker at the XXXX XXXX Bank on XXXX XXXX XXXX. I did not feel that at any time that Chase protected or helped clients because they should have the teller 's ask about large withdrawals me. " Know your customer Act '' should have been used but at no given time did I feel the bank protected me from this situation. I find myself having to report this to several federal bureaus as suggested from the XXXX after they helped me with who to contact. I also was told that I should submit reports to the FBI. I need Chase to help me with recovery because certainly the online savings that was done as fraud because I did not do this. I need to know what you can do to help. I will also be contacting the consumer fraud department on our local TV station? Often times that seems to help consumers.

Company response to consumer: Closed with explanation