vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
My wife and I were hospitalized with XXXX XXXX during XXXX of 2021 and subsequently my wife had a XXXX XXXX  and is still hospitalized. During this time my property was for sale but the transaction was not finalized until XX/XX/2021. We are in the process of buying a replacement property utilizing a XXXX exchange but the lender who is processing our loan advised us that that there are two late payments been reported by Nations Direct Mortgage, XX/XX/2021 and XX/XX/2021. I contacted Nations Direct Mortgage, explained our delicate and challenging time we endured but completely disregarded our request. Now if my XXXX mortgage payment was not received by the first, shouldn't they have assessed a late payment fee but not a late reporting on my credit when they, Nations Direct Mortgage, were paid off on XX/XX/2021. ( Payment was due for XXXX, payment was added to total payoff demand and paid again on XX/XX/2021 ). It would help us immensely if your office helps us resolve this matter with Nations Direct Mortgage. I am XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. We need your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE

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 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2022 a venmo transaction was sent for {$350.00} to a XXXX XXXX ( @ XXXX ) for the deposit of a puppy. After further communication with the breeder that started to feel questionable, it was discovered the recipient was a scammer on XX/XX/2022, the name does not exist and the XXXX account was not real. Upon discovering this information, I immediately contacted Venmo to inform them of the scam and requested help in obtaining my {$350.00} back. In the meantime, the recipient mentioned above blocked me. Venmo failed to assist and continually stated that it was unfortunate and there was nothing they could do. I would like to file a formal complaint in regards to this issue and the protection of my money. I informed Venmo of the contract that was entered and they did not have a care in the world to help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TX

Complaint narrative:
XXXX XXXX Equifax is reporting DEROGATORY which is inaccurate the following XXXX XXXX debt that should be reported to PAID as other two bureaus have reported incorrectly. 

I have already disputed with XXXX & Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. ( XXXX ) Account No. XXXX XXXX {$560.00} ( Equifax ) Account No. XXXX Amount {$400.00} THE TYPE OF INACCURACIES ARE UNACCEPTABLE AND I HAVE A RIGHT TO A ACCURATE CREDIT FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I logged into my Caliber account and it seemed as though my autopay had been stopped. So, I made a single payment to ensure that my XXXX payment went through. The next day, I learned that Caliber had been updating their online system and my autopay had not been stopped. Therefore, I ended up making a payment on both XX/XX/XXXX and XX/XX/XXXX. 

I did not want to wait for a refund check and was told when I called in early XXXX that we could simply apply the second payment to XXXX and I could wait to make another payment until XXXX. Instead, Caliber repeatedly incorrectly applied the second payment. First, they applied it to principal. I called and informed them of the mistake and was assured that it would be reversed and applied to the XXXX payment. Then, it was simply reversed and suspended on XX/XX/XXXX, so it wasn't applied to my account at all. 

I realized this second error when I received a letter in the mail, which was dated XX/XX/XXXX, in early XXXX stating that I was two payments behind and that Caliber would soon be notifying the Credit Bureau. I called Caliber on XX/XX/XXXX to complain that by XX/XX/XXXX my account should have been fully paid considering the double payment in XXXX. The representative at this point let me know that my XX/XX/XXXX payment had been suspended and they needed to submit a request for this to be posted as the XXXX payment. The representative also requested that I make my XXXX payment at this time, which I did online. 

On XX/XX/XXXX I realized that the XXXX payment I made online had been applied to XXXX instead of XXXX and called Caliber again to ensure that this would not cause the XXXX payment to remain suspended. I was assured that my request was still in process, the extra XXXX payment would be applied to XXXX, the XXXX payment would be reversed and applied to XXXX, and the credit bureaus would not be notified because I was not behind on payments. The representative could not give me a date that this issue would be resolved. 

On XX/XX/XXXX I logged into my Caliber account and saw that there had been a misapplication reversal on XX/XX/XXXX and no further changes. I called Caliber again that day to ask if there would be further progress or if this was another mistake. I was told that there were notes on my account that more work needed to be done to post the payments correctly and was in process, but again I could not be given a date that this would be resolved.

It has now been over two months sense this problem has begun with little to no progress and many mistakes. Every time I call in to try to get help I am given the excuse that due to recent software updates the representatives are having a difficult time doing things quickly and correctly and they can not give me any information about how long it will take to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by XXXX XXXX Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by XXXX a credit reporting agency on XX/XX/22. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by XXXX with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n XXXX is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer 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 2022-01-11 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: CBC Companies, Inc.
State: PA

Complaint narrative:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by XXXX a Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by XXXX a credit reporting agency on XX/XX/22. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by XXXX with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n XXXX  is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
Credit card was opened fraudulently without my knowledge. 
Creditor is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Someone stole All of my information. Social Security number credit cards birth certificate and have been making charges on my accounts and opening credit cards in my name I want to freeze my account so they cant file taxes in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called into Mr Cooper customer service number, XXXX, to validate whether Mr Cooper has sold/transferred my current loan with Mr Cooper to XXXX XXXX  XXXX XXXX XXXX XXXX ) as I received notification letter from XXXX to start my mortgage payment to them on XX/XX/XXXX. I spoke with XXXX XXXX XXXX Home Advisor ( XXXX # XXXX ) and she checked her system. She said it does not show Mr Cooper has sold nor transferred my current loan to XXXX. She asked that I checked back in a few days and replied to her email with a scan copied of the XXXX letter for her to investigate. Then suddenly, emails arrived in my inbox regarding " sign my Mr Cooper loan documents electronically ''. And it is coming from XXXX XXXX ( XXXX ID XXXX ) Mr. Cooper, ( XXXX ) XXXX, XXXX. This is a surprise as I did not apply for any loan application and did not give out any information for a loan application. I continued to receive emails regarding Mr Cooper loan application which I did not initiate and authorize. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Mr Cooper with my credit score. This is outrageous and a breach of trust as in no way did I authorize any credit report to be pull. I called XXXX XXXX regarding this on XX/XX/XXXX and he claimed I must of authorized it over the phone with him, but this is the first time I've spoken with him. I've asked him who initiated the loan application and how can they just run my credit report without authorization. He has no answer for this. This is unwanted and not authorize, which will affect my credit score as a consumer. This is for sure an unusual fraudulent practice. Please investigate. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
i am locked out of all reports they HAVE THE WRONG INFO and i can not get into my file i have sent in this request in the past and nothing they say one thing there do another

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXDepartment of Education is reporting inaccurate information to my personal credit reports. This is a violation of the Fair Credit Reporting Act. I have reached out to the company multiple times and they have not complied with my request. I sent letters requesting for the inaccurate accounts be deleted from my credit report. I informed them that they were violating my rights. This is violation of FCRA law 15 USC 1681 and 15 USC 1681 a ( 2 ) ( a ) ( I ). 
First letter sent XX/XX/2021 Second letter sent XXXX XXXX XXXX company sent me a letter XXXX XXXX stating no knowledge of wrong reporting.I have attached a copy of that 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 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tally Technologies
State: AK

Complaint narrative:
Three months ago I decided to have a unified platform to monitor my credit cards. I came across Tally on their website www.meettally.com. I downloaded the app and created a profile. The company suggested me a line of credit. I completed the application and did not use the account at any time. 

Few weeks later, I began receiving multiple email and text messages claiming payment. I ignore them because I never used a credit card without full knowledge. They persisted and when I called, I was informed that Tally had paid my credit cards XXXX XXXX  XXXX XXXX ) on my behalf. I asked when and why. I was told that that's how they work. I replied that I never asked for such service therefore will not be responsible for any such debt. 

I proceeded to call XXXX XXXX XXXX and was informed that my credit card was overpaid. That was shocking to me. I asked XXXX to send the money back to the company that paid it. The bank declined so I requested that they close my account if I am not protected from predatory landing. 

Tally company is now harassing me with phone calls and text messages. 

Thank you for your assistance. 

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 2022-01-11 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: TN

Complaint narrative:
Collection account on my credit report that is not mine.

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 2022-01-11 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: TX

Complaint narrative:
XXXXDepartment of Education is reporting inaccurate information to my personal credit reports. This is a violation of the Fair Credit Reporting Act. I have reached out to the company multiple times and they have not complied with my request. I sent letters requesting for the inaccurate accounts be deleted from my credit report. I informed them that they were violating my rights. This is violation of FCRA law 15 USC 1681 and 15 USC 1681 a ( 2 ) ( a ) ( I ). 
First letter sent XX/XX/2021 Second letter sent XXXX XXXX XXXX company sent me a letter XXXX XXXX stating no knowledge of wrong reporting.I have attached a copy of that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TX

Complaint narrative:
XXXXDepartment of Education is reporting inaccurate information to my personal credit reports. This is a violation of the Fair Credit Reporting Act. I have reached out to the company multiple times and they have not complied with my request. I sent letters requesting for the inaccurate accounts be deleted from my credit report. I informed them that they were violating my rights. This is violation of FCRA law 15 USC 1681 and 15 USC 1681 a ( 2 ) ( a ) ( I ). 
First letter sent XX/XX/2021 XXXX letter sent XXXX XXXX XXXX company sent me a letter XXXX XXXX stating no knowledge of wrong reporting.I have attached a copy of that 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 2022-01-11 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TK Credit Recovery, Inc
State: CA

Complaint narrative:
Re : Case Number - XXXX On XXXX I reached out to XXXX XXXX XXXX Legal Supervisor @ XXXX and XXXX XXXX inquire about the balance due for a Judgement that is against me from 2018. I did go to court for this matter but was not allowed by the XXXX to discuss the issue. The person that said I owe did not show XXXX times. To this day I do not know who I am paying and why this judgement is against me. According to XXXX XXXX, 10 % interest is accured on this judgement regularly as it now stands. The XXXX XXXX XXXX XXXX XXXX has ordered me to pay XXXX a month to make payable to XXXX XXXX XXXX. I have been paying this amount monthly. 
I send the money order to : Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX 
Before I went to court I had an account with XXXX XXXX, XXXX XXXX. Approximately XXXX was in the account. A freeze was placed on my account and given to XXXX XXXX, which inturn released to this Judgement. I have all documentation and receipts regarding this issue. I have never seen this debt on my credit report. I just want to be treated fairly. XXXX XXXX refuse to let me know who the judgement is owed to. When I contacted XXXX XXXX I was told that they did not have the money at that time, I contacted the XXXX XXXX and was told they did not have the money, but I ended up in court and my fund was given for the Judgement, not completely sure what this is all about, but sure would like a clear understanding. I will continue to pay monthly. It is going on ( 4 ) years now and I have been very patient with the situation. Whats the secret, the average individual that works and have obligations desires to know how their funds are being allocated for bills and necessities of life. I do not think that I am asking to know something out of the ordinary. If I had clear details about this Judgement I wouldn't be filing a complaint, the issue is I don't and to talk to XXXX XXXX is not working, all he tells me is that I owe some money, and that I am in a Judgement and I can not go back court on it or get any assistance. I will highly appreciate your assistance in the matter

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation