vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
We applied for forbearance XXXX of XXXX and it was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. We sold our home on XX/XX/XXXX and received a paid in full letter from XXXX XX/XX/XXXX. When we had our credit report run on XX/XX/XXXX to purchase a new home, XXXX was reporting our mortgage as being in forbearance but current with no late payments. When a new credit report was pulled on XX/XX/XXXX, XXXX was still reporting our mortgage in forbearance BUT also as 60 days late as of XX/XX/XXXX AFTER we had already sold our home and it was paid in full. By reporting our mortgage as 60 days late it hurt our credit. We were also led to believe that if we were current on our loan going into forbearance we would be current coming out of it. We just sold our home before it was over which they said would not be a problem as long as the loan was paid in full which it was. We have contacted XXXX to find a solution and were asked to file a dispute, which we have done. But as our closing date draws near and we are trying to get an update when they are unable or unwilling to help and can only enter new notes to our file.

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 2021-07-06 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: TX

Complaint narrative:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 45 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo please help me understand the following : Your response to my recent complaint stated " wells fargo has no record of opening any accounts without my authorization '' Please help me understand the following : On XX/XX/XXXX I received a check in the mail from Wells Fargo for {$50.00} with a letter saying " this is a courtesy check for the opening of unauthorized accounts in my name '' Please explain the discrepancies between your recent response to my complaint about your opening unauthorized accounts in my name and the check I just received from you. 

On XX/XX/XXXX I received a letter from you, Wells Fargo asking if I would like to attend mediation with you. In an effort to help me see if this offer is in good faith or not, please provide me with any inacurate information you have provided me to date. 

In your recent response to my prior complaint you said the information you reported to the credit bureaus was correct. Specifically you said you charged off a home equity mortgage in XXXX. What was the dollar amount for that charge off? Did you prepare and record any assignments after the said charge off? The deed of trust for this home equity says XXXX, XXXX is the trustee. What is Wells Fargo 's affiliation with XXXX, XXXX? Is there a promissory note for this home equity? 

Have you executed an assumption agreement with any other banks that include any mortgages in my name?

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 2021-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for job on XXXX for an XXXX XXXX position for a school. The listing was taken off the website, so I figured someone took the position, however, a person named XXXX emailed me and said she would send my email to a partner for a XXXX XXXX job. The job described that I would be running personal errands and the money would be for donations ranging from foster care to invoices to colleagues. We exchange information and the partner of the school said I was to start the following week, which was the week of the XXXX of XXXX. On the XXXX, the first purchase was for a XXXX XXXX XXXX for XXXX, and yesterday for a XXXX money order which was split into 3 orders : 2 for {$1000.00}, 1 for XXXX. I got an inkling to check my bank account, only to see it was overdrawn. I called my bank and they notified me that the check bounced. I did further research to see if any other XXXX XXXX  jobs had the same format of wanting to have people be XXXX XXXX for approx, 30 hours per week and for a set price per week, and for helping donate to foster care systems, to which I found plenty. I also went ahead called the school district, XXXX XXXX XXXX to verify if they were the ones who hosted the job listing, to which it was verified they did not, but they did have it for a XXXX position which has already been filled. I went to the bank Friday with photocopy evidence of our exchange to show that I truly thought it was a legitimate job offer, and that I wouldn't deposit a fake check as a member who just got my account out of the negative due to being homeless and unemployed. My bank will not reverse the funds, even though the representative I spoke to Monday inspected the check, and a different representative I spoke to Friday stated that this was a " common thing '' that happens, which I found odd because why not place proper protocols for people who are innocent so they won't be at risk?? The money orders were sent to an address in XXXX, TX, which they may not be at anymore. They money orders also have serial numbers to the which I have, AND I sent an email to XXXX card balance right now, as well as forward emails of the listing and the exchanges. I've filed a police report, FTC, Internet crime report, USPS, the whole nine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-06 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: CA

Complaint narrative:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 60 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 45 days is a reason to remove those things off my credit report immediately. It has been over 60 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
This is a follow up to CFPB Complaint : XXXX. This is a rebuttal to Bank of America 's XXXX response that I continue to get. They continue to tell me to call XXXX ; however what these idiots in the Regulatory Complaints Dept do not realize is that I have been calling and NO ONE, not even a manager can help me and THEY do not know why! I have been asked several times to call back and when I do, their systems are down or they can't file the claim because of the type of charges and length of time. I need SOMEONE at BOFA to call me to get this taken care of. I also NEVER received a call back from anyone, specifically this XXXX XXXX or XXXX XXXX. I have called and left several messages and I never get a callback. This is just insane! CFPB, please get involved, tell them to pull all CALLS and file the claim so that I can get my money already! Also, DO NOT have the wait another 60 days to respond ... Yes I know they have 60 days but this is my 4-5 complaint so far and I can not wait anymore! I have also filed a complaint with the NV Attorney General and have now been in contact with XXXX XXXX  here in XXXX XXXX. They actually did a report of this a few months ago and they are very interested in this. In addition, I have gone into XXXX  and XXXX and blasted BOFA. I also left several messages for BofA in Messenger! I am about to start writing letters to each CEO and contacting them myself! I am sooooo TIRED of this already!! Bank of America needs to credit my acct for all 26 fraud charges from XXXX  XXXX in XXXX XXXX for {$2500.00}!!! If they need me to tell them this over the phone, then have them call me at XXXX XXXX. I work a lot so if I do not answer, they can leave a voice message or they can also contact my mother who has been helping with this at XXXX XXXX XXXX. She has been my witness to all this mess! CFPB.. I am very certain that there are Compliance and Regulatory violations! CFPB please do your job and escalate this to the fullest. I will continue to file complaints until this gets resolved!!! If this does not get resolved, I will be filing a law suit!

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 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I placed an overseas order for some products I needed on XX/XX/XXXX. The total amount spent with this company was {$370.00}. They were supposed to be shipped and it never takes longer than a month to get stuff from XXXX. On XX/XX/XXXX the seller emails me and tells me the warehouse sent me the wrong goods during the shipment. I told them that would not work, I had order 25 of these certain cups for a project. On XX/XX/XXXX, I contacted the seller because it had now been two months and I had not received my shipment. The seller lied to me and told me that they had shipped on time and gave me tracking numbers for XXXX and I contacted XXXX and they told me they created a label on XX/XX/XXXX but did not give XXXX the package. They lied and said they shipped on XX/XX/XXXX. So now this was explaining why they were so late. So the seller told me he would refund the items sent by mistake and I told them since I haven't received the order to cancel it. He refused to cancel it. He said after I received the products that they will refund the money for the wrong items sent. I said no, I need 25 of the same cups for a reason and now I only have 15. He then reiterated that the 10 were going to be free and he would return then all of the money of the 15 glowing cups to me as well. So I made other arrangements to fulfill that order on what I needed because he assured me he was refunding it. When I received the cups on XX/XX/XXXX, over two months later, not only did it confirm he sent the wrong cups but he also didn't include the straws I need for the cups. The other two sets were okay. So I requested my money back for the ones he assured me he was refunding and then since I have them, they refused. So since I received the wrong products, I uploaded all of our conversation to Discover and requested the partial money back that they promised me. Discover refuses to back it's customer even though I gave them every statement where he said he would refund my money. Discover should support their customers. I wasn't asking for a full refund, I was asking for what they sent and didn't send that was wrong and what they promised to give back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MA

Complaint narrative:
On XX/XX/2021. I sent a letter, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: PA

Complaint narrative:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$490.00} $ Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3500.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2600.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$620.00}

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 2021-07-06 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: PA

Complaint narrative:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$490.00} $ Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3500.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2600.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: TN

Complaint narrative:
Nationwide Recovery Services has placed a collection on my credit profiles claiming that I owe {$330.00} to XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX and this claim is erroneous. I have contacted them 3 times via phone and certified USPS letter asking them to verify this erroneous debt. They have failed to do so. They have not verified it because they can't verify because the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: NJ

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : DEPT OF ED Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Untitled Account Number : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MA

Complaint narrative:
On XX/XX/2021. I sent a letter, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
National Credit Systems has placed a collection on my credit profiles claiming that I owe {$190.00} to XXXX at XXXX. I have never had an account with XXXX at XXXX and this claim is erroneous. I have contacted them 3 times via phone and certified USPS letter asking them to verify this erroneous debt. They have failed to do so. They have not verified it because they can't verify because the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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