vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My entire identity was stolen by an old friend that maliciously ruined my life, credit, job, phones and accounts. I can not access my credit beauros social media accounts my original email and basically everything. I need help asap please I filed a police report but the girl that did this lives in Florida so the police didnt really care or do anything. I dont know who to turn to. 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 explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a home owner, and rented part of my house to a tenant from XX/XX/XXXX to XX/XX/XXXX. 
my tenant unable to pay the rent from XX/XX/XXXX to XX/XX/XXXX and because of federal government mandate I didn't evict my tenant. we both file for rent subsidy with broward emergency rental assistance. The tenant left after the lease expired and on XX/XX/XXXX I call the emergency rental assistance and they said my tenant didn't submit requested documents. I try to reach my tenant and unable to reach him. i apply to XXXX. and they said unable to help me.. they ask me to contact a councilor office, and i submit the form, unfortunately no response from them as well. 

I just follow the federal government mandate, and now I am in financial trouble. 
I would appreciate if your office could guide me whom I should reach out to submit my claim.

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I had a Wells Fargo Mortgage during the time that they were accused of financial unfair practices. I would like to see if I am included in that lawsuit and if any monetary damages are due to 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 2023-03-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-20 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: MA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & # XXXX, has violated my rights.

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 2023-03-20 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: FL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX, I was contacted by Chase Credit card services to set up a settlement. I offered the amount I could afford to pay them, and they accepted this monthly payment with a reduced balance. They are now saying there was never a settlement, and they are now saying I owe the balance in full. 

I requested the call recording with their agent be reviewed, and it denied my claim. however in order to listen to the call, I would need to subpeona their call records through a lawyer. I am unable to afford a lawyer, and I feel this bait and swith process should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: MI

Complaint narrative:
I was notified by XXXXXXXX XXXX ( where I have a credit card account ) that an unauthorized hard inquiry was made on my credit report by XXXX XXXX XXXX XXXX XX/XX/2023. This is fraudulent activity. 

I froze my credit report accounts through XXXX, XXXX, and XXXX. On my XXXX account, I was able to see the hard inquiry made by US BANKXXXX XXXX XXXX XX/XX/2023 and a soft inquiry made by US BANCORP on XX/XX/2023. It is important to note these inquiries were not reported on XXXX or XXXX. 

I contacted AAA and they provided me with contact information for US BANK to report the identity theft/fraudulent activity. When I spoke with a US BANK team member, they confirmed a XXXX XXXX had been applied for with my information. Filing a police report was suggested for further documentation.

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 2023-03-20 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:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX utilities 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.

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 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My IRS refund was sent to a wrong Chase account by a software error on XXXX XXXX. This Chase account is 17 digits long, and I have been told by Chase customer service representatives and by my local bank manager that this account is not owned by anyone. The refund of XXXX XXXX XXXX  dollars was sent and deposited into this account on XX/XX/XXXX. On XX/XX/XXXX I called the IRS to find my refund and discovered it was sent to the wrong Chase account and that it was deposited and accepted on XX/XX/XXXX. on XX/XX/XXXX I spoke with five different customer service representatives attempting to resolve this but did not make any progress. The following day I went to my local branch and spoke with a bank manager who field a claim for the deposit to be sent to my real account. On XX/XX/XXXX I received a letter fromChase denying my claim. I again went to my local branch on XX/XX/XXXX and spoke with the bank manager again to resolve this, which they now said it has to be corrected by XXXX. Chase, the IRS, and XXXX have all repeatedly said that they can not fix this issue and to contact the other parties involved. I have been on the phone with all the three institutions for the last two weeks attempting to fix this without any success. The IRS has repeatedly stated that the only way to receive my refund is to have Chase bank return the deposit to the IRS, or have Chase do an ACH transfer to my actual Chase account. Chase has refused to do this, and has given up trying to help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have XXXX accounts with Square. One I have had for years with no issue. The other I just opened recently. I sent a contract and an invoice to a customer for {$13000.00} on XX/XX/2023. The customer signed and paid and Square deactivated my account, is holding the money for 90 days and will also not allow me to refund my customer her money. I have called and emailed many times and no one can give me an explanation. I am transferred from one department to the next and often hung up on or told there is nothing they can do. I am also told someone will call me or email me to help resolve the issue and I never hear anything. I have read that this same scenario has happened to many other customers. I need to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: PA

Complaint narrative:
There is a account listers under XXXX XXXX that is incorrectly report and has been for over a year. I have sent letters to fix this issue and I have received to reply. This account is closed, the balance is incorrect and has not properly updated at all. Equifax is the only bureau reporting this account. It needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am writing to file a complaint against Jefferson Capital Systems , LLC for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an account they claim I owe. I have reason to believe that the account is inaccurate, and that Jefferson Capital Systems has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX, that shows the transfer of ownership of the alleged debt to Jefferson Capital Systems. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Jefferson Capital Systems has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Jefferson Capital Systems has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my credit report and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ). According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Jefferson Capital Systems has failed to do so. Because of this failure, I am citing the legal responsibilities of a collection agency to the consumer to report the accurate date of initial default which provides the timeline for reporting. I am requesting an immediate investigation into this matter, and that appropriate action to hold Jefferson Capital Systems accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I checked my mortgage account with Mr. Cooper and saw that my mortgage had gone up and my escrow balance was in the negative. They force purchased insurance on my behalf even though I pay for my own home insurance out of pocket annually. 

At no point did Mr. Cooper call me, email me, send me a letter, or an email informing me that they seem to have misplaced my insurance information and need me to submit it. They just force purchased super expensive insurance, billed me for it, and hoped I wouldnt notice. 

I have reached out via phone and can not get ahold of a human being to insure these charges are reversed. I can submit my updated mortgage info, but there isnt any assurance that I will be refunded the money they stole, only that eventually I will stop being billed for the insurance they took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: OH

Complaint narrative:
Good evening the receipt of this correspondence is for data and legal purposes.

I have continued to communicate with all credit companies about fraudulent Information reported on my consumer credit report.

Attached to this statement is evidence Data what is open from creditors and commercial companies With law enforcement Confirming missed information on my consumer credit profile.

All of the credit companies have been notified and given several opportunities to Adjust my credit report to reflect accurate information and remove Disputed accounts Some accounts have been removed some of them remain which is against the Is fair credit reporting ACT.

All credit companies have violated permissible Is purpose, Along with 611, 612, 615 and Several other consumer laws.

This notice is evidence, Of a 4th coming lawsuit.

All credit Company served in this suit are responsible for {$100000.00} Conversation to XXXX XXXX XXXX For several consumer violations. 
Everyone notified has 10 days to respond with Appropriate actions, Credit collections or a {$100000.00} payment Failure to respond will result in a executive default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: OH

Complaint narrative:
Good evening the receipt of this correspondence is for data and legal purposes.

I have continued to communicate with all credit companies about fraudulent Information reported on my consumer credit report. 
Attached to this statement is evidence Data what is open from creditors and commercial companies With law enforcement Confirming missed information on my consumer credit profile.

All of the credit companies have been notified and given several opportunities to Adjust my credit report to reflect accurate information and remove Disputed accounts Some accounts have been removed some of them remain which is against the Is fair credit reporting ACT.

All credit companies have violated permissible Is purpose, Along with 611, 612, 615 and Several other consumer laws.

This notice is evidence, Of a 4th coming lawsuit.

All credit Company served in this suit are responsible for {$100000.00} Conversation to XXXX XXXX XXXX For several consumer violations. 
Everyone notified has 10 days to respond with Appropriate actions, Credit collections or a {$100000.00} payment Failure to respond will result in a executive default.

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 2023-03-20 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: GA

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXX XXXX  XXXX XXXX ( Collection ), XXXX XXXX XXXXXXXX ( Collection ) and XXXX XXXX ( Collection ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter.

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 2023-03-20 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am unable to get my free credit report on the transunion website. I'm able to get the other two ( XXXX and XXXX ) on annualcreditreport.com, but transunion won't comply.

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 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hurricane Ian claim # XXXX  XXXX / Policy # XXXX The mortgage company, Wells Fargo, is holding my insurance payment from XXXX in Escrow and will not release enough to even start the new roof process, They know what has happened down here and the roofing companies are charging high prices and want a large deposit up front. We also have to replace soffit and gutters. We have been a great customer of theirs for over 15 years and have always been on time, in fact it is on auto pay. 

Wells Fargo XXXX # XXXX property address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
My loans were consolidated and transferred to Mohela in XX/XX/XXXX. I uploaded XXXX ECFs in single XXXX page document on XX/XX/XXXX. On XX/XX/XXXX I was informed that I only had XXXX XXXX eligible payments and XXXX qualifying payments. I called to request an application review/recount as I had well over XXXX qualifying payments at that time. On XX/XX/XXXX I received a letter from Mohela which stated I had XXXX eligible payments but only XXXX qualifying payments and the website currently shows my XXXX application review request was cancelled. It is clear they failed to process one of my ECFs qualifying my employment as a federal employee from XX/XX/XXXX to present and have not given payment credit for those years of qualifying employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation