vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four 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 2021-03-17 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: NC

Complaint narrative:
I am a victim of identity theft

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 2021-03-17 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AE

Complaint narrative:
Currently, I am saving money in order purchase a home upon my return from XXXX. However, while go through the prequalification with a mortgage broker ; I was informed of a debt from Jefferson Capital System is showing on my credit report. However, this loan was already paid through military allotments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/21 I received a fake check of {$2500.00} from an individual XXXX XXXX who purchased my item I posted on XXXX. My item was only {$620.00}. She told me to deposited the check and XXXX the refund to her daughter who she claims in college. Her account manager XXXX  contacted me to zelle money to XXXX XXXX ( XXXX ) and her husband XXXX XXXX at XXXX. Later in day XXXX  said to cancel item purchase and told me to send the rest of money to XXXX and keep {$200.00} for expens. I XXXX totall of {$2300.00} to those two individuals. Next day I got a notification from my Chase bank that the cashiers check I got from that XXXX is fake and they even charged me {$12.00} for returned check. I contacted the bank immediately to report check fraud and scam activities to claim department. They told me the bank cant to anything about this matter since I XXXX the money over they wont be able to cancel transactions. And told me to report the police. I find that it is unfortunate that I got scammed without knowing it but the bank should help their clients to get their rightful money back no matter what when it is a scam activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 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: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Received a letter from Amerisave Mortgage Corp with " Your Credit Score and the Price You Pay for Credit '' including credit scores from XXXX, XXXX, and XXXX XXXX. I checked my credit report on XX/XX/2021 and saw Amerisave Mortgage Corp under " Account Review Inquiries '' on XX/XX/2021. In their letter it shows that my credit score from XXXX is XXXX on XXXX in reality my credit score from XXXX has never been above 744- as of XX/XX/2021. I have not contacted the company as I believe this is some sort of fraud to lure customers into believing that they have a higher credit score than they actually do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: IL

Complaint narrative:
XXXX XXXX has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four 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 2021-03-17 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: IL

Complaint narrative:
XXXX XXXX has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: IL

Complaint narrative:
XXXX XXXX has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four 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 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank was collected more debt with charged extra interest on my CitiBusiness Platinum Select Card on APR 10.99 % to 20.99 % over 10 years, even if this Card had been closed since XXXX. And I had call and ask them to take a settlement for stop charge any more extra interest during this card closed, buy them refused and continuing to collecting the extra debt till I paid off last balance {$65.00} on XX/XX/XXXX. So, I want to claim Citi bank refund {$8000.00} as compensation.

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 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
For the first time I ordered XXXX credit report XX/XX/XXXX I found in my XXXX credit report # XXXX dated XX/XX/XXXX XXXX cards under Capital One Card I tracked five of them ended with last four numbers XXXX, and XXXX I was confused I dont know which one is mine and which is not I found out that Capital One sell cards to another Capital One and both the seller and the buyer claim the debit the cards ended with XXXX or XXXX took me to court it was ended with judgement of dismissal Docket # XXXX copy attached because they did not proof my possession of the cards. Through the credit card report I found two cards opened on XXXX  XXXX, XXXX, two cards opened on XX/XX/XXXX, one card opened XXXX XXXX, XXXX, one card opened XX/XX/XXXX and one card opened XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from Capital One XXXX XXXX XXXX, UT XXXX talking about charge off account in less 30 days if no payment I ignored the letter because it was not my last name ( document # 28 ). On XX/XX/XXXX ( document 27 ), On XX/XX/XXXX ( document 26 ) and XX/XX/XXXX ( document 25 ) letters received from collection agency XXXX XXXX I respond to the last letter disputing the ownership of the card ending XXXX ( document 24 ) I called in Capital One to dispute the ownership and claim a fraud on XXXX, XXXX I received a letter saying no signs of fraud. On XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I received those letters from collection agency XXXX XXXX I kept calling Capital One with no results I noticed that they are trying to collect information from me to add to their records ( document 18, 17, 16 and 15 ) XXXX XXXX collection agency sell the debit to XXXX XXXX XXXX XXXX collection agency ( document 14 ) I disputed the ownership of the card in my respond letter ( document 13 ) then I received a letter from XXXX XXXX XXXX ( document 12 ), XXXX XXXX XXXX ( Document 10 ), XXXX XXXX , XXXX ( Document 8 ), XXXX XXXX XXXX ( document 7 ) and returned back to XXXX XXXX XXXX ( documents 5, 4, and 2 ) I disputed all ownership but XXXX XXXX XXXX were very aggressive they reported the debit as delinquency account to all credit agencies. 
Please find attached all documents proofs that the last name on the card ending XXXX is not my last name in MASS ID, Passport and SS Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or around XX/XX/XXXX we applied to US Bank for a refinance on our existing mortgage we have with the company. At first and up to the point of getting the application fee there was good communication. From there it just fell apart. We provided them with all the information they ever asked for but could never get a straight answer about how the process was going. A P & L had to be in by XX/XX/XXXX, year to month prior to the loan, XXXX through XXXX which we provided. We had an appraisal done on XX/XX/XXXX. XX/XX/XXXX is when they email wanting us to review the appraisal which we did and sent correspondence stating that one area of the information was incorrect. Never heard another thing, emailed and left multiple messages to no avail. Finally on XX/XX/XXXX after threatening to file a complaint we are emailed that our loan had been cancelled. We received no notification until after it was cancelled. At this point the loan officer offered to start the process over again but " fast track '' it. Apparently he put the application into the portal that we had been using during this process and neglected to tell us that. A month later and we are at the final straw he tells us it's been sitting in there for a month. Mind you, we no longer had access to the portal once the loan was cancelled. 
At this point I call US Bank 's mortgage department and file a complaint with a secretary who will pass it on to management. Call back two days later because it was a weekend and they have no record of the conversation and gentleman that we spoke with was unwilling to take any further information or help in any way. 
That was it! We have been trying to get a refinance with a company we have had a mortgage with for over 11 years for almost 3 months. Never missed a payment or been late once. We want to make others aware and we want our {$390.00} application fee returned to us. They have cost us thousands of dollars and much headache. It is obvious that it is in the banks best interest to stall and cancel this refinance, they are making much more keeping us in our old loan. 
We have every email correspondence to back up all this information. 
XXXX XXXX XXXX XXXX ID # XXXX Mortgage Loan Officer XXXX XXXX XXXX Mortgage Loan Processor 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 monetary relief
Consumer complaint received 2021-03-17 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: CA

Complaint narrative:
I need expedited removal of the account that has been re-aged on my credit report. The Date of First Delinquency field on previous reports contained an incorrect date and I disputed this date over and over again with both the CRA and the Furnisher and it was never corrected, always verified as accurate. Now the Date of First Delinquency field is blank, showing no date at all. This date is important in order to calculate the 7 years for the account to be removed. Please note : Per the complaint instructions, attachment does not include my personal identifying documents. 

Company Involved : Equifax Information Services, LLC ( CRA ) Company Involved : XXXX XXXX XXXX/DEPT OF EDU ( Furnisher )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, someone logged into my XXXX account and ordered {$660.00} worth of items to my address ( perhaps to test out if the card will work? Not sure why that happened ). XXXX password manager tells me there was a data breach during the summer of 2020, and I was email bombed for weeks after the incident. Not sure why they were able to order since they don't have my 3 digit security number ( the card was merely saved to my account for speedy checkout ). I would think this is ultimately XXXX 's fault for allowing that. Is it illegal that they do not ask for the 3 digit code? I called XXXX to tell them about this order. I tried cancelling, but it was already being processed ( which is crazy because it had just happened. I applaud their speediness ). They said they placed a flag to the carrier to not deliver, and I never ended up receiving the items that I was not able to cancel. I also called Wells Fargo to submit a fraud claim and to cancel that credit card. The fraud claim came back denied. I repealed the claim and submitted another one, and that was denied. They said I need to contact XXXX. I did. XXXX said I need to contact Wells Fargo. I've called multiple times, and neither say they can do anything about it even though they know XXXX did not deliver the items to me. Very absurd.

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 2021-03-17 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: CA

Complaint narrative:
I had a collection account with XXXX XXXX XXXX for XXXX originated from XXXX XXXX. I payed this account in full, actually XXXX on XX/XX/XXXX. I have contacted this company spoke with the manager several times XXXX XXXX requesting this information be corrected on my credit report reflecting o balance. In contacting XXXX she was very hard to deal with ( rude ) indicated she has contacting transUnion and taking care of the matter. I informed her my credit report had not been updated and transUnion indicated they had not received that info and the outstanding debt still on my credit report. Basically XXXX told me I was not a priority and she has done what she needed to do and transUnion needed to take care of it. So I reached out to the owner of 'XXXX XXXX ' XXXX and had a conversation with him requesting his assistance with XXXX . Shortly thereafter XXXX finally sent me a letter that I had requested prior showing the payment I made. Also XXXX asked me to give it sometime and it would be removed from my credit report ( this was in XX/XX/XXXX ). Since then I have contacted TransUnion for the 3rd/4th time disputing this info and also sent them a copy of the letter showing the account was payed. However, TransUnion Supervisor XXXX XXXX indicated not able to read/understanding the letter clearly he received from XXXX. Also TransUnion indicated XXXX verified the account accurate as recent as XX/XX/XXXX ( still outstanding ). As you see, I have been dealing with this outstanding issue since XX/XX/XXXX. It should not take this long to update a credit report. XXXX from XXXX has been very unprofessional through this entire process, verbally rude, and negligent in reporting accurate/correct info. Don't know were I stand legally in taking action for XXXX negligence and which I truly believe XXXX is doing this purposely or just inadequate and don't care about the consumer.

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 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I met this guy in XXXX named XXXX. 
We talked for a minute about selling shoes to each other. He seemed pretty legit. He sends me pictures of shoes he can send to me. 
I end up sending him two separate payments for two pairs of XXXX XXXX XXXX XXXX on Cash App. Its been over a month now. I havent received anything. He still responds to text but never answers the phone. He tells me his accounts are frozen : XXXX, XXXX XXXX, XXXX, & Cash App. He sent me a picture of his XXXX XXXX  account. It was in the negative. I definitely can confirm that he is a scammer. He has recently told me that his job only pays him in cash and he has no way to send me a refund. 
Ive requested a refund already and contacted Cash App support. Cash App supports says there is nothing they can do. 

Two separate payments were made : 1. ) Date : XX/XX/2021 2. ) Payment Amount : {$390.00} 3. ) $ XXXX : $ XXXX 4. ) Reason you are disputing the transaction : Fraud/Scam, Never Sent Shoes. Never Been Refunded. 

1. ) Date : XX/XX/2021 2. ) Payment : {$300.00} XXXX. ) $ XXXX : $ XXXX 4. ) Reason you are disputing the transaction : Fraud/Scam, Never Sent Shoes. Never Been Refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
On XX/XX/21, I contacted Amerisave regarding getting a pre-approval letter for a home loan. I spoke with XXXX XXXX, a loan officer, who began to walk me through the online application. I remember signing some forms online ( which I couldn't tell you what they were ). Mr. XXXX talked about locking in a loan, although I didn't have a property picked out. Then came the {$500.00} application fee which I payed without really any thought, thinking this was the normal procedure, Later I learned this was not a best practice. Also, when Iasked Mr. XXXX about copies of those forms I signed, he said they were accessible on the website. I have not been able to locate them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
First bank of PR is requesting a additional payment due to back fee ( interest ) that are not correct after the last payment when I requested the title. 

I have all payment made even the ones that were made with late fee.

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 2021-03-17 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I believe this is a scam text : FINAL REMINDER : Equifax Has Flagged Your Account For Unusual Activity, Last Date To Resolve, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I apparently have a credit card debt to JP Morgan for {$1900.00} and I do not know what it is From or too whom to pay? I had recently paid off all my credit cards yet my credit report claims this debt. I have no idea of how to pay it or whom to pay it to ... .can someone help me with directing to me to phone numbers that no one ever answers?

Company response to consumer: Closed with explanation