vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I received a text from Wells Fargo on XXXX  XX/XX/XXXX : " Free Msg- Wells Fargo Fraud Alert- Did you attempt to do a XXXX transfer for the amount of {$1500.00}? Reply YES to authorize ; reply NO or 1 to decline transaction ''. I've received messages such as this previously, so I responded No and received the following text : " Thank you for your confirmation case ID XXXX ''. Within minutes I received a call from a Wells Fargo phone number and the guy on the other end was able to convince me to go through with a a XXXX transfer of {$1000.00}. He made me panic and feel like my bank account and information was compromised! He truly sounded like a Wells Fargo employee and they had all of my information. I am young and savvy, use XXXX and XXXX, but I had never heard of XXXX before this day. I immediately opened a fraud case with Wells Fargo, which was denied, though I feel like I should have recourse under the Electronic Fund Transfer Act. It is frustrating that it's impossible to know if the bank calls if you're being scammed or not! Further, I don't see any of the letters/ documentation regarding my claim on their online portal, which leads me to believe that they just want consumers to forget about it once denied. I have no idea what steps to take to recover this money

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 2022-01-18 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: VA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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:
My name is XXXX XXXX XXXX XXXX. 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 asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

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 2022-01-18 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:
My name is XXXX XXXX XXXX XXXX. 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 asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Receivables Performance Management, LLC
State: IN

Complaint narrative:
In XXXX of 2021 I got a bill from XXXX for {$340.00}. I contacted them and they said since I never activated service the next cycle will zero out the bill. In XXXX of 2021 I got a final bill from XXXX and called again. I was told it will be resolved and I did not owe {$340.00} since I never activated service. I now have Receivables Performance ( debt collectors ) calling me and the {$340.00} is now on my credit report. Today XXXX I once again talked to XXXX and they said since account is closed they will send to business department to resolve. XXXX I spoke with debt collector and they said they do not contact XXXX and they will still collect the debt. I have a debt I don't owe showing on my credit report and a collection agency contacting me.

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 2022-01-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Was not notified of investigation status or results, there is so many things that are not being reported accurate and some are also outdated. I have been contacting the bureaus since XX/XX/2022 and they just fail to respond or do anything about my situation, I am frustrated and need some help getting them to report ONLY accurate info on my credit. This last time its been over 30 days almost 45 days and no response. Please help.

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 2022-01-18 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: FL

Complaint narrative:
I have been disputing the following accounts with Experian. On XX/XX/2021 I sent a MOV ( method of verification letter ) to Experian with the following accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know that according to FCRA Section 611 I have the right to request these documents of verification. 

Experian has never responded nor opened a dispute on my behalf. I do know that this information was never properly verified as they relied on a 3rd party company to receive this information. I have asked for a phone number and the person who verified this information to receive no response from Experian or higher management. 

This is because credit reporting agencies typically dont do much investigating at all. They often rely on an automated third-party system called e-Oscar. 

CRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

Please see the attached documents supporting my case. These inaccurate reporting need to be immediately deleted per the FCRA as Experian is in clear violation.

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 2022-01-18 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: CA

Complaint narrative:
I have sent several disputes and verification request. The credit Bureaus have failed to respond in a timely manner, they have also failed to correct the mistakes. There are several accounts that are reporting different information to each Credit Bureau. I have brought these items to the attention of each Credit Bureau and requested that the inaccurate information be removed from my credit report. To day they have failed to make the necessary changes. 

XXXX Acct # XXXX has a different date of last of activity for each Bureau XX/XX/XXXX but XXXX XX/XX/XXXX and date of last activity is XX/XX/XXXX The account is also showing as never disputed when in fact it has been disputed several times. Account shows a different high balance for each Bureau/// this account is inaccurate and needs to be removed from my credit profile. it is also over the statute of limitations. 

XXXX acct # XXXX has a different date of last activity reporting to each Credit Bureau/ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX for Equifax date of last payment is different for each Credit Bureau also reporting an inacurrate high balance / Claims dispute were resolved when never investigated or provided results XXXX  Account # XXXX reporting inaccurate information on my credit report // and should be removed different date of last activity to each Bureau different date of last payment reported to each credit bureau date of last payment different for each Bureau XXXX XXXX XXXXXXXX account # XXXX date of last activity is inaccurate reporting different information to each credit bureau date reported is different for each credit Bureau collection account showing 90days late 2 times with no 30 or 60 days late reporting a high balance of XXXX to XXXX which means nothing should be owed XXXX/ acct # XXXX date of last activity is inaccurate XXXX XX/XX/XXXX XXXX collection account showing late this is inaccurate high balance of XXXX to XXXX and {$140.00} to Equifax XXXX XXXX acct # XXXX shows a different high balance to each Credit Bureau date of last activity is different for each Bureau XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX and Equifax XX/XX/XXXX date of last activity is different for each credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting to Equifax, XXXX, and XXXX a XXXX that was paid in full. 
The company is reporting XXXX, XXXX, and XXXX dates of last activity XXXX and XXXX. I have contacted this company via telephone. The company states they do not understand why Equifax, XXXX, and XXXX are reporting the outdated date. The only thing they can persist is XXXX XXXX continues to report. 

The debt last date of activity XXXX and XXXX which is well over the Federal Regulations for reporting status of seven years on my credit reports. These amounts effect my debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See attached graphics. Everything circled in red that was not me.

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 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
Vystar Credit Union has changed for the worst. I have been with them for over 35 years and in the past 3 years, there has been countess fraudulent activity within my checking account that has become inexcusable. There has been fraudulent activity and the tellers there or reps treat you like you are responsible. 
The customer follows the rules and the bank will turn around and give the perpetrator your money back. Even when you fight to get it in the first place. 

As soon as I can leave this bank, I am leaving and will not return as soon as I can get my payroll changed over as they are not able to handle the increase in fraud in America at this time. As a matter of fact, please note there is a fraudulent person working in that particular department by the name of XXXX, the same as the person who stole over {$220.00} from my account on XX/XX/2022. 
There is over {$890.00} in refunds in limbo that I am missing as this same bank has allowed XXXX XXXX XXXX to steal from me even when I proved that they were not due any of my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Was not notified of investigation status or results, there is so many things that are not being reported accurate and some are also outdated. I have been contacting the bureaus since XX/XX/2022 and they just fail to respond or do anything about my situation, I am frustrated and need some help getting them to report ONLY accurate info on my credit. This last time its been over 30 days almost 45 days and no response. Please help.

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 2022-01-18 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: TX

Complaint narrative:
Was not notified of investigation status or results, there is so many things that are not being reported accurate and some are also outdated. I have been contacting the bureaus since XX/XX/2022 and they just fail to respond or do anything about my situation, I am frustrated and need some help getting them to report ONLY accurate info on my credit. This last time its been over 30 days almost 45 days and no response. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
This account is in reference to Account # XXXX which I have filed on XX/XX/XXXX, with the CFPB. I have received Somebody else 's personal information I have called XXXX regarding this matter they told me they weren't familiar with the information I have received. On XX/XX/XXXX I have received a package with a promissory note. I have called XXXX several times regarding my account which starts with XXXX. If XXXX can not verify this account please delete it if this account comes back verifiable please notify me on the information showing on file. I asked the XXXX Department of Education to provide me with information regarding account # XXXX. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
In the past 5 plus years creditors have been trying to collect a debt owed by someone else from XXXX XXXX XXXX. I contacted EACH debt collector with a written dispute requesting the date/amount/services rendered/doctors name and all details including a copy of an agreement signed by me. Each time the debt collector is unable to provide the information as required by law. Then EACH debt collector transferred this matter to another debt collector neglecting to inform the new agency of the dispute history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Demand Lump Sum Repayment of Cares Act Loan Payments Granted Forbearance The bank has demanded {$27000.00}. They claim this amount is delinquent. 

This demand includes payments from XX/XX/XXXX, through XX/XX/XXXX, which received forbearance under the CARES Act and can not be demanded as a lump sum : https : //www.hud.gov/sites/dfiles/SFH/documents/IACOVID19FBFactSheetConsumer.pdf Federal Housing Administration Mortgages FHA does not require lump sum repayment at the end of the forbearance. 

The demand also includes XX/XX/XXXX, and XX/XX/XXXX payments which were paid on time but reported as delinquent. The bank is demanding that I pay them again. 

Each of the CARES payments includes an escrow charge for RE taxes. 

The County granted RE tax relief for the years XXXX, XXXX and refunded the bank - {$5500.00} for RE taxes in XXXX and {$5000.00} and {$5300.00} totaling {$10000.00} for RE taxes in XXXX for a grand total of {$15000.00}. 

These amounts satisfy the RE escrow components of CARES deferred payments and those payments should be reduced accordingly. 

Instead, the bank posted the refunds in escrow. According to generally accepted accounting procedures, this treatment is incorrect. Also, it is illogical as all of the bills for which the escrow account is set up as a reserve have been paid. 

The bank has refused to use the refunds to satisfy deferred payments. They have avoided the requirement that excess escrow must be refunded by keeping the account delinquent. 

XXXX Account # 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 2022-01-18 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:
Hello, I XXXX XXXX, am filing this dispute for my self. After reviewing my credit report I am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report XXXX XXXX-account # XXXX and XXXX XXXX XXXX account XXXX XXXX XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.

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 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Debt was not mine based on credit report account # XXXX medical data systems I {$620.00} amount reflecting owed I tried contacting number phone at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have received this type of letter at least two other times. It lists XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, Capital One and XXXX XXXX. 

It does not list the name of the SENDER or where this is from. 

It tells me what may happen if I " Fail to Respond ''. 

It only lists a Notice Number, Notice Date and Contact Phone Number. 
Then it lists a debt amount and a Settlement Amount with Proposed Payment Program Amount for 12-36 months. 

I do have a Capital One card but none of the others. I also am in good standing with my Capital One card. ALSO, I do not have near the amount of debt they are claiming. I don't even have near the amount they are asking to " settle for ''. 

There is no company name. I do not owe them. They should not have my information to begin with so I do not want them to " look me up '' by any of MY INFORMATION or contact me regarding this information. It is not mine. It is fraudulent.

Company response to consumer: Closed with explanation