vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have disputed the late payments on my old car loan several times and each time I get a response from XXXX XXXX that they have asked wells fargo to fix the errors but they never do. I also sent a fax, as wells fargo customer service refused to provide any other contact method besides paper mail. I sent that on XX/XX/XXXX and still no response to my request. Every time that I had an issue with payments, I would call and speak with a wells fargo customer service rep who assured me that notes were placed on my account and that I would prevent my credit from being impacted. I was never more than a few days late and it was sporadic never consecutive. 

30 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2022-01-26 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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TX

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I've tried disputing this account several times in the past but they keep saying it's been verified which I'm not sure how this is happening.

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 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I requested copies of my reports and this company NCB MANAGEMENT SERVICES has been reporting as collections. I do not have a debt with this company, I have never contracted with this company, nor has this debt been validated. I have filed an identity theft report which is attached. NCB MANAGEMENT SERVICES has no permissible purpose and is causing damages to me and my family as I am not able to get a credit extension due to the negative information the y are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, I have requested my account number and a copy of my statements from a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 non-monetary relief
Consumer complaint received 2022-01-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I received a phone call from XXXX XXXX on XX/XX/2022 stating that they were calling on behalf of a debt I owed to Mobiloans.com. The caller did not read the debt collector disclosure. He simply stated that his company is a mediator and they were calling to settle prior to pursuing civil action, or before it is attached to my social security number and damages my credit rating. When asked to have the debt validated via mail, the caller refused and stated they do not send letters and only email. 

I reached out to Mobiloans Account Services department and they stated that the debt was sold to XXXX XXXX XXXX and they provided a phone number of XXXX. I spoke with a rep at XXXX XXXX who stated that they have never heard of XXXX XXXX that I should not provide them with my financial information, and that my debt was sold to XXXX XXXX XXXX XXXX. She provided the phone number of XXXX. I have called XXXX multiple times, left 2 voicemails and have not gotten a response. This company has also never contacted me via mail or any other communications regarding this alleged debt. 

I called XXXX a second time asking for a validation to be mailed to me. They refused. I asked for their mailing address, to which they also refused. They claim they are located in XXXX, GA however they contacted me from a XXXX, FL number ( XXXX ) XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
When we were about to initiate a mortgage with XXXX XXXX Chase Bank in XX/XX/XXXX, we received an offer ( please see attached ) for the " Chase Closing Guarantee ''. We asked our senior home lending advisor XXXX XXXX XXXX about this offer numerous times. Initially when we started the process, we asked him on the phone. Again on XX/XX/XXXX we asked and he said he will get us the date when it starts. We never received a clear answer to what we needed to do to if circumstances would have been such that we could qualify for this offer. XXXX told us on XX/XX/XXXX it would be XXXX days to close. All through the mortgage process we would ask any of the team what was going on with the Closing Guarantee. 

On XX/XX/XXXX I spoke to XXXX XXXX lending manager XXXX and I told him I was calling him out on the XXXX Closing Guarantee offer of {$2500.00} and he said Chase has 30 days past XX/XX/XXXX to close and that would be by XX/XX/XXXX ( that never happened as I spoke to him on XX/XX/XXXX and we had still not closed ) and it is reviewed by their internal compliance team and if Chase is at fault they will pay and even if Chase is not at fault they can escalate this request. 

As time went on it became clear that we would qualify for this offer. Please see attached email sent XX/XX/XXXX to various Chase officials as to why. 

Things became so bad with Chase that I had no choice, but to file a complaint with their executive office earlier in the mortgage process. I spoke to XXXX XXXX XXXX XXXX in the executive office on XX/XX/XXXX and I asked her again about the Chase Closing GuaranteXXXX and she told me that XXXX XXXX submits the request once the loan is funded. 

We also spoke to XXXX XXXX business realtionship manager XXXX on XX/XX/XXXX asking her if the Chase closing Guarantee was processing. She was going to check on XXXX occasions and we never heard anything back. 

We finally closed on XX/XX/XXXX over four months from when we started the process and were in jeopardy of losing this house all due to Chase delays, but as of this date we have received nothing from Chase regarding the Chase Closing Guarantee of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: MD

Complaint narrative:
On numerous occasions I have attempted to fix my issues with the three credit bureaus, however, my issues have yet to be fixed. An account with the name of XXXX is reporting on my credit report, however, this account is in violation of 15usc 1681e-d. I have also requested that this account provide me with an agreement in which I have with them to no avail. This company has not provided the authorized agreement creating the debt which is required to collect on a debt per 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt. There is also an account on my credit report in collections that has no information except a balance. I have no idea what it is and neither does the credit bureau and I would lie it removed immediately, 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 non-monetary relief
Consumer complaint received 2022-01-26 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: Foris DAX, Inc.
State: CO

Complaint narrative:
My complaint : I have the crypto.com visa prepaid card. This card is terrible for many reasons that do not pertain to this complaint. I have been tirelessly trying to close the card account, and they are literally making it impossible. I have called customer support multiple times. Every time, they say only a higher up can close the account. They also informed me that there is no way for me to get in direct contact with said higher up. They informed me that I have to go through the chat. Then they said the person in the chat will have to inform said higher up to close the account. The average response time for one single message via chat is over XXXX hours ( Imagine how frustrating that must be for an urgent request ). They are also intentionally incompetent, and still have not been able to relay the message to higher ups that I want my account closed. Instead they froze my account with large amounts of money in it. Now I have no way to access the money. This is by far the worst customer experience I have ever had, and I just wish they would reimburse my money instead of stealing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
A representative of 5TH 3RD Bank with whom I bank sat down and started filling out loan app just in case I needed improvements, saying I was just getting appval for a loan just in case I needed it. If not, then no worries. This individual left the bank some 2 years later and some time after ( 2021 ) I was charged {$60.00} on my bill and was told after a certain amount of time there was a charge and there would be another charge of {$60.00} the following year. I was furious but unable to either get out of the app for a loan. Recently XXXX organizations have been writing me letters saying I have a loan for XXXX, Which I do not have! Please help me I think Im being conned conned by a group of shysters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX and I am writing in reference to the three credit bureaus. I am having an issue with each bureau reporting information on my credit report that in unjust. First and foremost I have attempted to fix these issues on a few occasions and they have helped with nothing. The first is XXXX XXXX not only have I disputed this account on multiple occasions they have yet to notate the account that it has been disputed this is a violation is grounds for removal of the account on my credit report. This account is also reporting as an installment account and that is incorrect because it was a sales agreement, that is another violation due to incorrect reporting. I also have an issue with two other accounts that are in violation of 1681e-d one is capital bank, and the other is credence RM. I have been disputing capital bank since XXXX and they have yet to notate the account stating that it is in dispute meaning that this is grounds for removal and also a violation under the FCRA because they must notate the account within 30 days. These companies have also failed to provide the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX bank and XX/XX/XXXX. That means I have no contractual agreement to pay them on alleged debt. Please remove all accounts from my credit report immediately. These accounts are also reporting charge off payment histories, however, a charged off account should not reflect any payment history because a charge off is not a form of payment, in fact a charge off is considered income under consumer law. Please remove from my report immediately, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2022-01-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 


the following inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 


the following inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX 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 non-monetary relief
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
information is being furnished on my consumer reports without me knowing and needs to be removed.

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 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
We had a burglary in our office resulting in a number of money orders ( 7 ) being stolen. The stolen money orders were from 3 different companies. XXXX XXXX is the only company that we are filing a complaint with. A police report regarding the burglary was filed on XX/XX/2021 and provided to XXXX XXXX as part of our evidence. The stolen money orders were made payable to our apartment property XXXX XXXX XXXX. We were able to place stop payments on money orders issued by other institutions but we were unable to do so with XXXX XXXX. Three money orders issued from XXXX XXXX were subsequently cashed. We paid a fee to XXXX XXXX for copies of the paid money orders and upon receipt we noticed they were clearly altered. I spoke to a XXXX XXXX representative who provided me information and forms I would have to submit for an alteration and forgery claim. Our documentation was sent by certified mail on XX/XX/2021. When I did not receive a response or acknowledgement from the company, I wrote a subsequent letter XX/XX/2021. This letter sent by certified mail was also ignored. 

To this day I have yet to receive an acknowledgment, phone call or any other form of communication from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: IL

Complaint narrative:
My Transunion report claims I have a chargeoff from XXXX. I have never had an account with XXXX. I dont know where this chargeoff came from or what it is for. This has negatively affected my credit

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