vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
In 2006 I was scammed in buying this house, I didn't know that the XXXX women I was dealing with were scammers, they forced me to buy this house and they signed my name on different documents behind my back, i put all my money that I got from my accident into my house only to find out that XXXX XXXX put her name on my property without my knowledge and went on get loan my forged my name by signing documents that I didn't know was going on, the court gave the order for me to pay the bank and save my house and the bank is suing XXXX XXXX by to save my house i from foreclosure i need help please because I can't loose my house every cent i got is in this house if someone can please call me ill tell everything, all the attorney i got to help me just take my money and leave me, so the XXXX  gave me XXXX XXXX XXXX to take up my case, im not well because of the STRESS that im going through, XXXX XXXX is going to send you all the documents that you need to h

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: PA

Complaint narrative:
I recently received a copy of three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

They are reporting inaccuracies pertaining to the open dates. XXXX is reporting this account was opened on XXXX and XXXX and Equifax is reporting XX/XX/XXXX. They are also reporting inaccuracies concerning the last active dates. XXXX is reporting XXXX XXXX XXXX and Equifax XX/XX/XXXX. Lastly, they are reporting different report dates. XXXX is reporting XXXX XXXX XXXX and Equifax XXXX 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX  of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau XXXX, XXXX and Equifax has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

They are reporting inaccuracies pertaining to the open dates. XXXX is reporting this account was opened on XX/XX/XXXX and Experian and XXXX is reporting XXXX  They are also reporting inaccuracies concerning the last active dates. XXXX is reporting XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX. Lastly, they are reporting different report dates. XXXX is reporting XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau XXXX, Experian and XXXX has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.

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 2023-02-01 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: Self Financial Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
Fraudulent transactions on XXXX and US bank credit card. Change mailing address on XXXX credit report. Applied fraudulent applications at XXXX XXXX credit cards.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Began billing me monthly fees without any notification. When I contacted them they said the fees are nothing new and offered me 25 % refund. I declined and they continue to bill me monthly without explaining why. I have had my WF account for over 20 years and they suddenly began billing 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 monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XX/XX/2022 a letter was received from Wells Fargo stating that they had closed our savings account. This was not requested by us as the consumer but rather taken upon their own accord. Reason for closing was prolonged overdrawn status and they state we owe {$53.00}. This amount is the result of fees that were charged on wire transfers that were fraudulent. Wells Fargo was notified within minutes of the first transfer request of the fraud yet still let it and a second transfer go through. AND they charged us fees. Fees which I was told not to worry about. No our account has been closed without our {$25000.00} being returned to us and on top of it they are asking us to pay them {$53.00}.

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 2023-02-01 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charge off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

Transunion is still reporting a monthly payment and balance for this account and XXXX and XXXX is not. They are also reporting inaccuracies pertaining to the open dates. Transunion is reporting this account was opened on XX/XX/XXXX and XXXX and XXXX is reporting XX/XX/XXXX. They are also reporting inaccuracies concerning the last active dates. Transunion is reporting XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Lastly, they are reporting different report dates. Transunion is reporting XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau Transunion, XXXX and XXXX has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.

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 2023-02-01 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charge off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

XXXX is still reporting a monthly payment and balance for this account and XXXX and Experian is not. They are also reporting inaccuracies pertaining to the open dates. XXXX is reporting this account was opened on XX/XX/XXXX and Experian and XXXX is reporting XX/XX/XXXX. They are also reporting inaccuracies concerning the last active dates. XXXX is reporting XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX. Lastly, they are reporting different report dates. XXXX is reporting XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau XXXX, Experian and XXXX has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION
State: TX

Complaint narrative:
Sallie Mae is reporting an inaccurate charge off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, Sallie Mae has been validating this debt and account information to each credit bureau and they are also reporting multiple inaccuracies on my credit reports causing me to get denied. 

Each credit bureau as well as Sallie Mae has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TransferWise Ltd
State: FL

Complaint narrative:
I had a Wise account XXXX XXXX XXXX //wise.com XXXX with XXXX XXXX XXXX XXXX 

XXXX XXXX and XXXX... XX/XX/XXXX of XXXX ) After recieving a few payments they decided to forcerly close the acount, since I had " violated the terms and conditions ''. When inquired, They were not able to clarify what terms and conditions I was violating, leaving me out of the account and funds, They gave me access to a sequence of steps in which i had to fill a form and enter a bank account of my preference so they will send the money to that account. 

Picture XXXX... XX/XX/XXXX of XXXX Once I succesfully compled the form they replied by email saying " money is on its way '' and it should take about XXXX working days XXXX at most '' ( not providing transaction receipt of any sort ) Picture XXXX XX/XX/XXXX of XXXX After XXXX working days had passed I contacted via mail asking about the money with no reply. Then I tried calling customer service XXXX  times, They told me something different and vague each time, and ended up telling me to send an email to XXXX XXXX XXXX ( the same address they didnt reply before ). 

Picture XXXX ... XXXX the XXXX of XXXX I sent a second email telling them to stop ignoring and playing with my time and money or I will make a complait to the CFPB, still no reply. 

Picture XXXX, Present day ) If I go through the customer center where they explain how to get the funds from a closed account they let me check me account status, when i enter my account details it says that the money has been refunded already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC
State: FL

Complaint narrative:
My monthly mortgage went up by almost XXXX dollars. I was never notified of this by my mortgage lender. I'm a single parent and It's going to be hard for me to pay my mortgage. When I spoke to the mortgage lender they told me it's because my property taxes when up. I told them that my property taxes went from XXXX a year to XXXX, XXXX. How can they just send me a bill that I used to pay XXXX and now I have to pay XXXX dollars.

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 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates
State: CA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been contacted by Midland Credit Management atleast 8 times now in the past week and a half. They have used skip tracing tactics to contact me a family member of the person they are seeking. I have on several calls told them to stop contacting me and remove my number, they ignore these requests and spoof a fake number every time they call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I made electronic payment to Commenity capital bank of XXXX They never posted it to my card. I have been receiving interest charges and late fees since XXXX XXXX. I provided proof to Commenity and still have not been able to get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

They are reporting inaccuracies pertaining to the open dates. Transunion is reporting this account was opened on XX/XX/XXXX and XXXX and XXXX is reporting XXXX  They are also reporting inaccuracies concerning the last active dates. Transunion is reporting XXXX XXXX XXXX and XXXX XXXX Lastly, they are reporting different report dates. Transunion is reporting XXXX XXXX XXXX and XXXX XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX XXXX XXXX That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau Transunion, XXXX and XXXX has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.

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