vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
It has been well over 45 days since my letter was sent on XXXX, I recently disputed fraudulent identity theft accounts on my report and equifax, XXXX and XXXX  failed to respond to my dispute or remove any of the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that post on a credit report. In my letter I asked to see a contract with my signature as proof and 45 days later they have not sent any proof. equifax, XXXX and XXXX  are violating my rights also, under 15 U.S Code 1681b. they failed TO RESPOND that is in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY.

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX re3open. 

I was tricked into attending a mediation meeting with wells Fargo to discuss a fraudulent CHECKING account. During the mediation, I requested to discuss the other fraudulent behavior of WF as it pertains to the HELOC loan. 
The WF representative refused to discuss any other items other than the CHECKING account.

In return WF has mislead CBPB by saying that we discussed or came to a resolution regarding my relationship with WF as a whole which is untrue and misleading.

The fact that I wasted money with their outrageous fees and lack of concern for the consumer needs to be investigated.

I closed the account for a tremendous loss without any concern of WF after the loan was restructure is a very unfair matter. 

See all the prior letter and others. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX acct # XXXX **** XXXX15 U.S.C. 1681 section 602 A. States i have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2022-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance to the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 ( a ) Section 2 it also state a Consumer Reporting Agency can not furnish an account without my writing instructions under 15 USC 1666b a creditor may not treat a credit card account under and open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I have requested MI  removal per the Homeowners Protection Act from my loan servicer, Mr. Cooper. XXXX XXXX XXXX. This was requested in XXXX, once I passed the mandatory 2 year mark for having MI. I was told I would be contacted for a broker price opinion to determine value. It has been over 30 days and nobody has contacted me yet. I have called back twice and am told that it has been requested and they will follow up, but nothing has been done. My XXXX payment included MI as will my XXXX payment and I should not have to pay this. Current loan balance is {$340000.00} and my home is CONSERVATIVELY valued at {$520000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have never been a customer with them. So I couldnt contact them but I kept disputing the charges and it keeps showing back. It has been hurting me in so many ways especially financially. My score I work so hard for keeps going down by so many points every time.

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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Hello, I opened this account ending in XXXX with a {$300.00} collateral deposit on XX/XX/22. 
I closed account on XX/XX/22, instructing rep to apply entire deposit to {$300.00} balance. 
When that did not happen, I paid {$35.00} statement payment on XX/XX/22 to avoid default. That amount was refunded on XX/XX/22, along with {$260.00} of my {$300.00} collateral payment applied to balance leaving over payment due to me of {$35.00}, because had I not been forced to make my XXXX payment, the entire deposit would have paid original balance. Enclosed documents prove this, including XX/XX/22 chat with rep XXXX promising processed {$35.00} refund.

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 monetary relief
Consumer complaint received 2022-10-26 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: CO

Complaint narrative:
Transunion has refused to remove the following two inquiries that both occured fraudulently on the same day. 

XXXX XXXX  XX/XX/2022, XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XX/XX/2022, XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX, MN 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 non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax let someone steal my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In accordance to the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 ( a ) Section 2 it also state a Consumer Reporting Agency can not furnish an account without my writing instructions under 15 USC 1666b a creditor may not treat a credit card account under and open consumer credit plan as late for any purpose.

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 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: TX

Complaint narrative:
We are in the process of purchasing a home from Dr Horton in XXXX TX. We were offered a 4.99 % interests rate and up to {$10000.00} paid towards our closing costs, if we went through there lender DHI Mortgage. After weeks of working with them they said we were qualified. A little over a week ago they wanted a letter of explanation for differences in XXXX 's from XXXX and XXXX taxes. That was sent, now it is because my company is not liquid enough. I have sent everything they have requested and we are still getting the run around. I spoke to our loan officer and requested to speak to her manager. She gave me his number and assured he would call me when he got out of meeting. I called him later and it goes straight to voicemail and he has not contacted me at all. 

We bought a vacation home this summer and was qualified and purchased the home and that Mortgage Company had all the same XXXX and XXXX information the DHI Mortgage has received. I Actually sold my primary residents to down size with this home in XXXX and all costs are going to be less, but yet we do not qualify with credit scores hovering around XXXX. We have not even received an executed contract signed by the seller. 

My home has sold and we close tomorrow and only have till the XXXX of XXXX to get out on lease back. I was told today that our applications was denied and agin no-one in management will talk to me directly to explain why. The loan XXXX has not given me a understandable explanation with facts. 

We think it may be to get out of 4.99 % interest and paying closing cost when they know we are tied in at this point.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX acct # XXXX **** .15 U.S.C. 1681 section 602 A. States i have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/2022 my vehicle was broken into. An individual had stolen my debit card, license, license to carry card, multiple items and belongings, including any credentials that obtain to me and my well being. On the same day of XX/XX/XXXX I had found out my debit card was fraudently used in a quick manner and the individual ( whom I don't know or have never met ) spent over XXXX $ at multiple stores and local businesses. On the same day I reported the fraudent charges to my bank immediately and before a day had even passed. I also filed multiple police reports at different police stations near and in my town. I told the bank I never gave my pin to a friend, family member, nor a stranger. I also told santander bank that I never wrote down my pin anywhere. Although I obtained footage of the fraudster using my card at a local mart and provided the bank with 3 police reports, my claim was denied. The fraudster was also caught and arrested and my cards were recovered. Although the bank knew of this, they did not complete a thorough investigation. They denied my claim within 5 business days and never reached out to me once for any additional evidence that I had. I was also denied a provisional credit. They completely closed my claim. I have been banking with then for years, and I'm deeply hurt and disgusted. I would like to request help in obtaining my funds back.

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 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$2800.00}

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 non-monetary relief
Consumer complaint received 2022-10-26 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: LendingPoint Holdings LLC
State: CA

Complaint narrative:
In accordance to the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 ( a ) Section 2 it also state a Consumer Reporting Agency can not furnish an account without my writing instructions under 15 USC 1666b a creditor may not treat a credit card account under and open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: UPGRADE, INC.
State: CA

Complaint narrative:
In accordance to the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 ( a ) Section 2 it also state a Consumer Reporting Agency can not furnish an account without my writing instructions under 15 USC 1666b a creditor may not treat a credit card account under and open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
I have repeatedly asked my mortgage company to report my perfect payment history since Ive had this loan XXXX XXXX  ) when it was transferred/boughten by this current company all reporting ceased. Ive never Missed a payment or been late. Im the primary on the loan, however my ex husband is getting all the perfect payments history reported on his report monthly, which is fine ( we are both on the loan ) however I should most certainly be getting the reports of perfect payments since Im The one making them and I own the home.

The last communication with mortgage lender was today and I did as they asked, pulled my 3 bureau report and they are nowhere on that report.

I Just keep getting the runaround with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I attempted to add my XXXX XXXX XXXX XXXX account to Venmo on Saturday XX/XX/XXXX, and I received an error. I reached out to Venmo support who refused to help me add the account manually. I then tried to use XXXX to add my XXXX XXXX account to the app on XX/XX/XXXX, and this was also denied as " something went wrong. '' I currently have {$220.00} sitting in Venmo that I am unable to cash out. Venmo is holding my funds hostage and I need to cash the money out to a personal checking account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: NJ

Complaint narrative:
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX  # XXXX XXXX Account name : has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account name : has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number. : XXXX, has violated my rights. 

XXXX XXXX Account Number. : XXXX, has violated my rights. 

XXXX U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I kept getting notices in the mail for an unpaid invoice of XXXX & After i went to the company they explained that an amount of XXXX $ I owed after using store credit based on a bundle of stuff i bought, and then returned, so i paid XXXX $ and added the XXXX $ to their credit card ( synchrony ) since i have an account with them, after multiple visits to the showroom the re assured me that i wont get any more notices. today i get in the mail a noticr from a debt collector!!!!

Company response to consumer: Closed with explanation