vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I asked Wells Fargo to issue a cashier 's check for {$3600.00} on XX/XX/2021. This check was then mailed out and lost in transit. I went to one of their branches on XX/XX/2021, to place a stop payment on that check to prevent it from being cashed by anyone who might have possessed it. The stop payment was placed successfully, and they told me that I had to wait 3 months for the check to be reissued and paid to me. During this visit, I specifically asked the banker if someone tries to cash the check, will it affect me getting my money back in time, and they answered no. 

In XX/XX/2021, after the 3-month waiting period, a banker contacted me and informed me that someone attempted to cash this check during the waiting period. Though the attempt was not successful, I would now not be able to get the check reissued and have my money back. They told me that I had to instead wait for 3 years. 

Wells Fargo confirmed that the money is still with the bank, and I am the owner of the money. Therefore, it is unreasonable for them to hold it. Additionally, this new 3-year waiting period had never been communicated to me before. 

I filed with Wells Fargo an internal complaint, which they told me would be resolved within about 10 business days, and yet they took over a month to arrive at a resolution, which is that I still have to wait for 3 years. During their investigation, they extended the timeline multiple times and changed the case specialist without notifying me. I tried reaching out but got line-busy / unable to reach multiple times.

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 2022-01-21 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:
I am myself and I am submitting this information from my personal com0uter. This is XXXX XXXX, My Information isnt correct. I have enclosed all verification documents of my identity. I am submitting this complain myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but these did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I appreciate you helping me with my request.

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 2022-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
First time signing up for credit reporting in XX/XX/2021. 

Filed for fraudulent accounts on credit report. XX/XX/2021 Attempted to have credit locked down XX/XX/2021 Second attempt of having credit locked down XX/XX/2021 Third attempt of having credit locked down XX/XX/2021 Fourth attempt of having credit locked down XX/XX/2021 No help with credit monitoring account XX/XX/2021 from customer services Customer service would not help and take care of the negative inquiries reporting to your credit report even after sending two certified mailers to company from USPS.

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 2022-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a wet ink signature of a signed contract with the creditor. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. I am invoking my specified remedy as a consumer, and the original creditor, I am demanding all of the following : XXXX out the balance on this account, Grant me my title lien free, Pay me all payments made to your company including any down payments from the inception of this alleged debt until the current date. Your next contact with me should be to either notify me that the XXXX has failed to provide verification of the debt and that the matter has been closed. Please confirm that I am not being held responsible for the debt in writing and the above specified remedies has been granted. I expect that you will provide me with all documents relevant to the debt as requested in my Debt Validation Letter submitted to your office via certified mailing and any other data that indicates my responsibility. In addition, you may not contact me by phone at work or at my home about this alleged debt. All future correspondence should be sent to me in writing. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MO

Complaint narrative:
I have an approved forebearance for Covid 19. Every month without fail I am bothered my XXXX  loss department trying to collect debt. Even though their notes show the forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Never XXXX XXXX. ( DEPT OF ED/XXXX XXXX Balance : {$2500.00} ) ( DEPT OF ED/XXXX XXXX Balance : {$4400.00} ; ) The records reflect a 90/120 without preceding 30, 60 days. This is a massive error. Investigate all records closely. According to FCRA 611 we need to make sure that you are reporting a 100 % accurate in my report.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Never Paid Late. ( DEPT OF ED/XXXX XXXX Balance : {$2500.00} ) ( DEPT OF EDXXXX XXXX Balance : {$4400.00} ; ) The records reflect a 90/120 without preceding 30, 60 days. This is a massive error. Investigate all records closely. According to FCRA 611 we need to make sure that you are reporting a 100 % accurate in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Never Paid Late. ( DEPT OF ED/XXXX XXXX Balance : {$2500.00} ) ( DEPT OF EDXXXX XXXX Balance : {$4400.00} ; ) The records reflect a 90/120 without preceding 30, 60 days. This is a massive error. Investigate all records closely. According to FCRA 611 we need to make sure that you are reporting a 100 % accurate in my report.

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 2022-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB MANAGMENT SERVICES ) at ( XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of {$6300.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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:
FDCPA and FTC report 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 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
This TD BANK NA XXXX Balance : {$3900.00} account is undoubtedly placed as a charged-off account and unknown to me, make sure you tell me the reason why there is a {$3900.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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 — Problem with personal statement of dispute
Company: ResidentCollect, Inc.
State: NC

Complaint narrative:
This Item continues to be reported on my credit report. I have written several letters to the Innovation Recovery and the credit bureaus and this inaccurate information remains on my report. I say inaccurate because they can not prove that this account belongs to me. I have asked on several occasions for them to supply me with a breakdown of the amount that they say I owe. I have been battling with this issue since it was reported on my credit report. On XX/XX/2022 I spoke with a supervisor by the name of XXXX who informed me that she was going to email me the breakdown but now it is XXXX XXXX and still I have not received anything. The only thing that they continue to send me is a collection letter, this is not proof of the account. I feel that this account needs to be removed from my report due to inaccurate information and them not complying within the 30 day period. I have attached a copy of the last letter that I wrote and I have proof from the post office of delivery. This item needs to be removed. I would appreciate it greatly if I can get help with this situation after fighting with them for so long. Oh, if they say that the account is mine ask for proof which they can not provide, please dont just take their word for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover continuously performs adverse actions against me the consumer. They have denied me access to my own credit and forced me to make a deposit for a secured card I did not want. They are also tarnishing my reputation by reporting negative activity to the credit bureaus when I have made numerous attempts to pay. Discover has also created multiple accounts through my consumer credit and will not allow me to access those accounts. When I submitted my remittance coupon payment online, my payment was accepted. Discover then reversed the payment after many days. I then tried another account opened through my consumer credit which was sent to me. That payment was accepted too then days later XXXX XXXX reversed the charges and applied my security deposit of {$300.00} to my bill which I did not instruct them to do. I am submitting a billing error 12 CFR 1026.13 and an adverse action claim against XXXX XXXX for their malpractices and many violations of the Truth In Lending Act ( TILA ). As I was not made aware of the many accounts opened through my consumer credit nor was the legalese explained to me as the consumer about the remittance coupon payment or the original security contract deposited for bailment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, my citibank bank account was closed without warning. 

About closed to {$2000.00} was deposited ( utilizing XXXX, depositing checks ). Upon calling their fraud center ; I was given no reason as to why my account was closed, and was told if there was any funding ; I am to expect a check within 30-60 business days. 

This is the second time in the last month I deposited utilizing their mobile deposit ; the first time they purposely blocked my access. It was blocked to protect themselves from any checks bouncing. And every single one of those checks posted and I was without pay for 3 weeks ( that caused late payments/fees to all my bills due around the end of XX/XX/XXXX, and beginning of XX/XX/XXXX ). I called several time and was told to wait 7-10 days and kept getting the work around. 

Anyways, I got on the phone at the end of third week from the day it was blocked and the gentlemen without question unblocked my access since every single check went through. 

Back now in XX/XX/XXXX, same mess instead they just closed my account.

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 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
On XX/XX/2022, I called to pay the escrow shortage on my account with Loancare, the loan servicer for XXXX mortgage company. I spoke with XXXX about my efforts to make the payment online last year at the end of XXXX. The website froze repeatedly and I input the information probably XXXX times. The company TOOK {$30.00} from our overage for what they called insufficient funds. I learned that the system deleted a number from the checking account. Many customers reported the malfunction and they eventually admitted a system error. The {$30.00} fee was waved for everyone except me. They had taken my money and my many calls & online complaint was ignored. I was told that they can't give any money back, once they have it. I was told that they can't correct it or credit my account. I just read RESPA, Section 6 which states that a mortgage service is responsible for correcting any errors. This company has made me resentful of their lack of integrity and decency. They owe me {$30.00}.

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 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was granted XXXX XXXX fees up to {$100.00} credit and I have renewed my XXXX XXXX membership as it will expire soon. Representative says I have to wait till XXXX, which does not make any sense whatsoever as my XXXX XXXX expires in XXXX. This forces the customer to pay out of pocket ahead of time to avoid getting a fee credit. Very discieving in terms of how the program works and doesn't benefit the member customer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I've received multiple calls from Penn Credit Corp about a debt collection. When I asked where the collection was from they refused to tell me because I " gave them the wrong address '', I live in XXXX XXXX Florida but the address the debt collector gave to was in XXXX Florida. As I previously stated I've received multiple calls from Penn credit harassing me at early in the morning and also while I am at work. I am XXXX  months pregnant this harassment has caused me a considerable amount of stress, especially when I am unaware the debt they are calling to collect with no clarifications as to whom their collecting on behalf of.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
On XX/XX/21 Lake View Loan Serving LLC responded to my previous complaint saying that they hold my master servicing rights to my mortgage credit transaction. Ive NEVER gave them consent to contact me or have my information. This is identity theft and they are trying to collect on a alleged debt not owed to them. I have requested them to provide me with the original contract with my Wet Signature on it and have not yet received a response. Its been 30 days now I have to take legal actions.

15usc1692g 15usc1681b 18usc1028A

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