vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: DE

Complaint narrative:
XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: DE

Complaint narrative:
XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.

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 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: OK

Complaint narrative:
Currently, Crypto.com holds my money in a XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX I lost access to XXXX Authenticator. 
Followed detailed instruction as per Crypto.com Help Page, sent data to Crypto.com to reset XXXX. 
All identification information submitted according to Crypto.com 's own instructions. 
Later, recieved email demanding yet more identification info and a new picture of myself but now only through Crypto.coms very unreliable program that is very difficult to use. Crypto.com says they will not accept email. 
I am lost. Dont have instruction as to WHERE in app I am supposed to send pic and how?? 

I WANT MY MONEY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2021 I initiated wire transfer of {$1800.00} from Chase Bank to XXXX  XXXX XXXX. 
Received email confirmation from Chase that money was debited from my account and wire transfer was complete. 

XX/XX/2021 Recipient has contacted me saying money was not received. 

XX/XX/2021 I called Chase, they confirmed money was sent. 

XX/XX/2021 Recipient contacted me saying money was still not received. I contacted Chase, they told me wire was lost and would start recall process. 

Chase call reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: FL

Complaint narrative:
made depsosit XXXX mos ago still on hold when they sent me letter sayinng hold only 10 days in violation of law they never sent me letter of extended hold they will not release my money almost XXXX mos now on hold

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09 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: TX

Complaint narrative:
I've submitted FTC and Police Report to this Credit Reporting Agency ( EXPERIAN ) on XX/XX/2021 according to FTC these fraudulent accounts resulting in Identity Theft must be removed in 4 days pursuant to 15 usc 1681c-2. 


I've asked EXPERIAN to please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report which they have failed so.

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 2021-12-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Attorney 's XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX conspired submitted a 18 USC 1956, XXXX XXXX Artifice to Wells Fargo Bank and obtained an unlawfully obtaining & seizing {$340000.00} on my home located at XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. My Complaint has been delayed due to a serious of threats of restrains by XXXX XXXX XXXX. The artifice was clearly fraud on it's face but Wells Fargo position upon talking to them was " THE STATE WAS GOING TO TAKE THE MONEY ANYWAY SO THE FACT THAT THEY FORGED A DEED, DID NOT MATTER ''. they conspired to violate 21 848, 18 1344, 18 USC 1961 es.al.The threats got so bad, I had to move to XXXX XXXX last year. The lawyers was trying to force me to sigh the deed. While on the run, i filed a complaint in Federal Court and it was dismissed under the color of Federal Law. it is common practice for XXXX Lawyers to engage in Bank Fraud concerning real property i # XXXX please review it to see what else XXXX does to the XXXX Community. I have alleged that the XXXX State Bar has the 18 USC 1961 influence on the XXXX Justices facilitating the theft of equity equity, proceeds from us because we are XXXX. This is not the only time that a XXXX lawyer stole money from banks using my property home. send them the file so they can see what they caused and the damage they caused. Wells Fargo is complicit in discrimination because we are XXXX. Wells Fargo is complicit in the tragedies plaguing the XXXX community facilitating and fostering the nostalgia of America pre Civil Right Act and pre emancipation proclamation when America was moving on the premises that XXXX people are to work and XXXX are to have the money for our work, complicit in mortgage fraud and the violation of 18 USC 1201 " the recording of purported documents. The rule of Law [ 18 USC 1956 ] & [ 18 USC 1961 ] state that the beneficiary do not have to knew the money was obtained in specific unlawful activity to be liable, Wells Fargo was directly involved and sought leniency or clemency from XXXX XXXX as they rob XXXX XXXX Citizens, that is my firm belief, I have had other runins with Well Fargo Bank including the extra accounts where they moved money around themselves to create the {$35.00} NFS charges. once on those tactics a loaf of bread cost me {$37.00} because Wells Fargo moved my money from my debit card to my savings account. Like Lawyers, Wells Fargo steal your money to see if you can figure out what to do or if you ever argue the theft. They are intentional acts

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 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This letter is regarding account # XXXX, which you claim I owe you money. Please REMOVE this account to from all Credit Reporting Bureaus. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on any of my credit reports from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within XXXX days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of { {$5000.00} } in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
- Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: SC

Complaint narrative:
Ive reached out to Transunion and XXXX about this high impact inquiry on my credit report from XXXX XXXX XXXX  collections for a cable bill from XXXX not belonging to me but someone received in my name. Ive disputed it and sent dispute letters and its still there. Please help. Thanks in advance!

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 2021-12-08 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:
I have recently requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency responded stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within XXXX days or delete the negative items, as originally requested. 

Below are the items that do not belong to me that you continue to report illegally. 

XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX XXXXXXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately.

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 2021-12-09 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: FL

Complaint narrative:
I call XXXX, Transunion XXXX and sent Certified mail Identity Theft Report. About fraudulent XXXX account on my credit report XXXX XXXX Cell phone {$4700.00} XXXX I file a report with FTC.

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 2021-12-09 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 call XXXX, XXXX Equifax and sent Certified mail Identity Theft Report. About fraudulent XXXX account on my credit report XXXX XXXX Cell phone {$4700.00} XXXX I file a report with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Creditor has been reporting inaccurate information on all three of my credit reports. My scores has been dropping for months.I have asked debt of Education XXXX and all bureaus to provide me with information used to all theses alleged late payments to be posted FCRA 611 ( a ) ( 7 ) and neither companies has been able to do so within the last 120 days.I asked that these late payments to be removed immediately off my credit report.

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 2021-12-08 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: FL

Complaint narrative:
Creditor has been reporting inaccurate information on all three of my credit reports. My scores has been dropping for months.I have asked debt of Education XXXX and all bureaus to provide me with information used to all theses alleged late payments to be posted FCRA 611 ( a ) ( 7 ) and neither companies has been able to do so within the last 120 days.I asked that these late payments to be removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: FL

Complaint narrative:
Creditor has been reporting inaccurate information on all three of my credit reports. My scores has been dropping for months.I have asked debt of Education XXXX and all bureaus to provide me with information used to all theses alleged late payments to be posted FCRA 611 ( a ) ( 7 ) and neither companies has been able to do so within the last 120 days.I asked that these late payments to be removed immediately off my credit report.

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 2021-12-08 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The following account is a fraud account as I have never opened or used it : Portfolio Recovery Associates account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: OH

Complaint narrative:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. The accounts on my account are fraudulent and does not belong to me. Here are the accounts : XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXXXXXX XXXX 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 2021-12-08 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: NC

Complaint narrative:
XXXX, XXXX, and Transunion credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.

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 2021-12-08 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: NC

Complaint narrative:
XXXX, Experian, and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.

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 2021-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS refused to accept the HUD modification-assisted program. 
SLS refused to give me an affordable modification SLS threaten foreclosure as it's now in a Pre-foreclosure status SLS is very abusive and unprofessional by phone SLS refused to communicate or correspond by email SLS is the servicer of our HELOC and XXXX XXXX XXXX XXXX is the current creditor. 
XXXX XXXX ( account manager ID XXXX ) told me, if I needed a modification, I would need to go through the HUD government program for assistance. 
HUD submitted a full modification package with the documents I provided. BUT the account manager, XXXX XXXX REFUSED to accept HUDs authority and do a modification. She insisted that if I want to save my home, I will have to accept the terms of the investor ( XXXX XXXX XXXX XXXX ) or they will foreclose on my home. 
I have spoken to many representatives in the SLS ( Resolution Department ) but most representatives were very harsh and unprofessional. 
One representative said, BY LAW THEY HAVE TO TELL ME TO GO TO HUD FOR ASSISTANCE, BUT SLS DO NOT HAVE TO FOLLOW OR ACCEPT HUD MODIFICATION PROGRAM. SO THEY WILL FORECLOSE ON MY HOME IF I CAN NOT ACCEPT THEIR TERMS. Their demands are {$80000.00} cash upfront and a very high-interest rate on the balance ( payment to {$1200.00} for a short 3 years term and increased to {$2000.00} until XXXX ). Our 1st mortgage payment is {$4300.00} not to mention the increased property tax and insurance yearly. 
XXXX is very unreasonable and harsh with me because I file complaints to the CFPB concerning their MISCONDUCTS AND PREDATORY COLLECTING PROGRAM. THEY ARE FORCING XXXX OUT OF OUR HOME or INTO BANKRUPTCY WE JUST WANT AN AFFORDABLE PAYMENT PLAN WITH A LOW-INTEREST RATE. We can not afford any CASH upfront as we used up our savings to keep up with the first mortgage and cost of living during the COVID XXXX LOCKDOWN. 
List of SLS of some of the representatives I have spoken to, trying to get an affordable payment plan but with no avail XXXX XXXX many times until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have filed complaint XXXX on XX/XX/2021 ( XXXX months ago!! ) against Bank of America, but have not received any response. The following account is a fraud account that I have never opened or used : Bank of America account XXXX Please investigate and delete it.

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