vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was scammed out of {$500.00} on XX/XX/2022 through my wells Fargo app and the XXXX  link to my account. Wells Fargo is not covering the scam even though they know for a fact I was scammed. The side an investigation and concluded that they did not have to cover the scam charge. This is unacceptable behavior from and institution that supposed to take care of it's customers when they have been scammed.

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ERC
State: MO

Complaint narrative:
I tried to have all these companies that are showing on my XXXX credit report remove. I tried to dispute it with the companies and also XXXX but unsuccessful there are third party collections agency that have 2 of my accounts that are paid in full for XXXX and XXXX. My personal information is showing up on the Dark Web which social security number and and all my personal information I was notify by XXXX XXXX on XXXX XXXX. I have been trying to get help regarding this matter. The list of companies I want remove from my XXXX account XXXX XXXXXXXX XXXX  XXXX, Enhanced Recovery Company, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Navient Solutions, LLC.
State: LA

Complaint narrative:
As of XX/XX/XXXX Navient has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that Navient used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. Navient repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am unable to retrieve my credit report or score from Equifax. I recently disputed some information on my credit report and received the results back via mail. The Credit report I received from them states there is a Temporary Update Freeze on file. I cant access my credit report, or score online through their website, or any other website that reports credit information. The last update provided on their website is from XXXX, and when I try to refresh it shows no information available. I have called them to ask about it and nobody can provide any information, which is harmful because If I have to apply for credit and they check with Equifax the company im applying with will not be able to get any information. I have included screen shots of what it shows when you try and access information in my Equifax file from 3 different websites including Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Lending Club Corp
State: NY

Complaint narrative:
I have an account Lending Club ; this then became XXXXXXXX XXXX ; then it went back to Lending Club. I am trying to get my 1099 from these XXXX. I have emailed them numerous times ; they don't respond. There is no way to get it on line. Can you kick their XXXX and get me my 1099. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I open a dispute with XXXX and TransUnion mid XXXX requesting that the inaccurate, closed and inquires reporting on my consumer credit report be validation and verify by original consumer contract bearing my signature in wet ink. On XX/XX/2022 I received an alert that my dispute result ready. I received no alerts or documentation from TransUnion. XXXX and TransUnion has failed to provide me with any items that has requested and is still reporting these closed, inquires and inaccurate on my consumer credit report. As a consumer reporting agency 15 U.S.C 1681 a ( f ) XXXX and TransUnion is governed by the Fair Credit Reporting Act ( ''FCRA '' ), 15 U.S.C et seq. , which protects consumer from inaccurate, outdated or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer file is accurate and free from errors. XXXX and TransUnion is just allowing items to be placed only consumer credit report without validation or verification that these closed, inaccurate and inquires are indeed correct. XXXX XXXX TransUnion is in violation of 15 U.S.C 1692e 15 U.S.C 1681b 15 U.S.C 1692d 15 U.S.C 6803 15 U.S.C 1692g I have also filed a complaint previous complaints 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 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I contacted Guaranteed Rate Mortgage to establish an escrow account for property taxes and insurance in or around the end of XX/XX/2021. After submitting bills to the escrow folks, I was sent two letters to show me the amounts to pay in additional funds for the establishment of impounds to pay hazard and taxes. After another month or two went by, they refunded my money and did not establish a tax account. Only hazard. I have attempted repeatedly to get the account established talked with multiple agents who all professed that they fixed the issue. They lied. I resubmitted additional monies and they booked it as another mortgage payment. Now they service transferred my loan to XXXX XXXX. 

Guaranteed mortgage does not honor their agreements and there is no quality control. This is probably worthy of a class action lawsuit as it is apparent this is their business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear Equifax , I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Public Record from a XXXX  XXXX Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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

Complaint narrative:
I received a message from XXXX with PayPal XXXX Office of Executive Escalations. It states that they found out that I were receiving payments for unapproved gambling-related services through the website XXXX. 
As far as I know I only received payments from the graphic designs I made to my clients. Transaction ID 's : XXXX from Sir XXXX XXXX and XXXX from XXXX XXXX. Which is now on hold. Attached here are their orders and invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have filed many complaints to Citibank already because of the violations they've committed. They keep communicating with me in connection with the debt collection and in pursuant to 15 USC 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I have stated many times that I refuse to pay the debt and they keep sending emails. They stated in an email that they believe the debt is valid and closed my account without notifying me but in pursuant to 15 USC 1692 ( g ), only the original creditor which is me can validate a debt.

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 2022-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As of XX/XX/XXXX XXXX has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that XXXX used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. XXXX repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.

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 2022-02-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
As of XX/XX/XXXX XXXX has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that XXXX used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. XXXX repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: LA

Complaint narrative:
As of XX/XX/XXXX XXXX has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that XXXX used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. XXXX repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.

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 2022-02-11 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: Collection Receivables, Inc.
State: GA

Complaint narrative:
I dispute this debt. This account was placed on my credit report without giving me the opportunity to pay the debt. I have reached out to the collection agency to resolve the matter and was told that if I agree to pay the debt that they will delete the account from all three credit bureaus ( XXXX, XXXX, and XXXX ). Which I have in writing from XXXX XXXX XXXX, at Collection Receivables. However as of today, I have paid for the account to be deleted on on XX/XX/2021 and two months later, the negative account remains on my credit reports. I would like this matter to be resolved by having the negative account, Collection Receivables/ XXXX XXXX, removed of my XXXX, XXXX, and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have new and updated information concerning my previous complaint based on the creditors response. 
Pursuant to 15 USC 1637 ( c ) ( 8 ), I am requesting that American Express provide me with the written application I made to them for the credit card ending in XXXX, written proof of my income at the time of application or a written application of the cosigner who applied for the XXXX XXXX  credit card with me. 

I am also requesting a copy of the application for the American Express XXXX credit card I was issued before the XXXX from American Express credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance Corporation and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a zero balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, 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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX VA real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 
Public Record from a XXXX XXXX Bankruptcy on 07/10/2017.

I dont recognize this public record. Please provide proof from the court of this public record. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, 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 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/2022. I went directly to XXXX and paid them {$320.00}. XXXX took the payment and gave me a receipt showing account paid in full ( see attached receipt ) I contacted Convergent Outsourcing on XX/XX/2022 advising them that XXXX accepted the full payment and to cease reporting on my credit report as I have never had an account with Convergent Outsourcing. 
Today XX/XX/2022 Convergent has reported on my XXXX credit that the collection has been paid. Which I have never sent them any money, so how can they be reporting this erroneous information?

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