vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Good morning, I have attempted to resolve repeated disputes with a Wells Fargo checking account in recent months. Their incompetence has led to credits being posted as debits, multiple week-long delays in payments, and other accounting errors. I attempted to pay my credit card bills with XXXX ( a very well-run bank, I may add ) several times, and Wells Fargo was incapable of processing the transactions. This led to several delays in payment, which I had to correct from a separate credit union account. Weeks later, after I had tried to close the Wells Fargo account, and it was more or less empty, they attempted to make the payments to XXXX. This led to overdrafts, which I had to correct by dealing with both banks personally. 

Wells Fargo XXXX everything up, repeatedly. I wound up having to fax my bank records to XXXX, to remedy the problem, but by that point, I had to close the credit card accounts and make a deal for long-term payments. Still, by my records, I can see that the Wells Fargo account should have about a {$40.00} surplus, yet they claim it is {$100.00} overdrawn. Perhaps over {$1000.00} in XXXX payments have gone missing. XXXX has been extremely cooperative in my investigation I have been conducting personally, yet Wells Fargo has been impossible to deal with. I suspect Wells Fargo is acting fraudulently. I received an email this morning from Wells Fargo claiming that they are reporting me to XXXX XXXX XXXX. I will not tolerate their incompetence and/or corruption any longer. They will not slander me any further. Please investigate. XXXX has the records I faxed to them.

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 2021-06-23 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
UNIV ACCT SV XX/XX/2019 Inquiry This is an inquiry on my credit report that pertains to a student loan. Ive never taken out student loans therefore this inquiry is fraudulent and inaccurate. It is illegal to be on my credit report according to the consumer debt laws. I spoke with the company directly and they acknowledged tht it was a mistake and that it shouldnt be there. I spoke with XXXX  and they were not cooperative about removing this fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/2019 Inquiry This is an inquiry on my credit report that pertains to a student loan. Ive never taken out student loans therefore this inquiry is fraudulent and inaccurate. It is illegal to be on my credit report according to the consumer debt laws. I spoke with the company directly and they acknowledged tht it was a mistake and that it shouldnt be there. I spoke with Transunion and they were not cooperative about removing this fraudulent inquiry.

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 2021-06-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-06-23 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: PA

Complaint narrative:
Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We put our house up for sale, had three weeks to go before closing.. while at the same time we were waiting for our sale to be completed our Mortgage company, Wells Fargo was foreclosing on our house. They called my wife 's phone on XX/XX/2019 ( XXXX ) XXXX ( approximately noonish ) where she handed the phone to me, ( XXXX XXXX XXXX ) and I gave them my lawyers name, number so they could communicate regarding the " sale ''. Attorney XXXX XXXX, XXXX of XXXX XXXX, NY ... upstairs from our Realtor XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, also of XXXX XXXX, NY. Our " Sale '' was never intended to go through. Also Wells Fargo lied about eliminating our escrow account, stating we were unable to remove the escrow because it was required by FHA, which is untrue as it was OUR decision to include it in our mortgage payment ( at that time we were able and willing to resolve the past due amount ) There was also a lien put on our house by the Master plumber that inspected our basement, on the Town of XXXX 's behalf ... It is not customary for an official working in his capacity of a government employee to do anything other than put a balance onto the tax bill ... not take a private lien out while doing his job representing a government entity. This enabled Wells Fargo to put off working with us ... to this day the only we can access our account with Wells Fargo is online, which they refuse to reset and allow access to. We've tried online, called the number for online assistance but to this day over two years later we can not access our online account with them. They continued to tell us that we can fill out all the paperwork online ... but it does us little good. All we've asked is that they put our current phone number into the system OR put back his email on the account like it had been so I can reset the password. 

I have audio recording of our calls to wells fargo, but the file is too big to upload ... 28 minutes of assorted calls and lies ...

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 2021-06-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
Received derogatory for an old medical debt week of XX/XX/21. Received offer to settle it for {$79.00}, which I promptly did on line. Funds were withdrawn from my bank account on XX/XX/21. Payment shows as received on their website, however they have STILL not " officially '' posted it nor reported said payment to the credit bureaus. I call them every day, I have emailed them screenshots. No joy. To my own dismay, I have resorted to abusung them back lately. I am trying to get a $ XXXX mortgage right now, and a ridiculous {$79.00} that I already paid is holding it up. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
They call multiple times a day from different numbers. I have made an arrangement with them for the owed debt yet they call at Least 4 times a day minimum asking for different amounts of money than initial agreed debt that will be paid back

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 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: AR

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SVCS XXXX XXXX XXXX XXXXXXXX, MA XXXX. Has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with company. The Company does not have a contract with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MD

Complaint narrative:
On XX/XX/2021 I submitted my employment certification form to FedLoan Servicing to see how many payments I have left before I am eligible for Public Service Loan Forgiveness. Additionally, there are many months that I didnt not receive a bill from FedLoan where I could have paid but they said those months would not count.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I have a Fortiva Credit Card with a {$500.00} limit. The card has not been working due to unannounced freezes in which I never received any sort of heads up. Currently, XX/XX/2021 when you call the number XXXX XXXX XXXX it says that there is some sort of update in progress. I have not received any emails or literature about the update and received no notices about updates via WEB portal or mail. I believe it is a scam so I wanted to close my account because I have a card that I can not unfreeze or close. 

I have been trying to close my account now for 3 days and have been placed on hold excessively ( +15 minutes ) multiple times throughout the last 3 days. Each of the 9 different people I have spoken to have said different things about my account and why it is frozen, or why they cant help. I even tried texting them and chatting with them about closing my account and they do not respond after I say I want my account closed ( they ask for my email but never respond and I received no emails ).

At this point, they are stalling to earn interest and charging monthly maintenance fees and yearly fees for an unusable credit card account. They make it virtually impossible to close accounts. Impossible to use the card while they charge fees and accrues interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
Twice when I applied for a refinance on my home I was contacted by a debt collector about some emergency balance supposedly from 8 years ago in a city I do not live anymore and it went to credit bureaus delaying my mortgage process. When I asked for for detail of charges I was provided a name like XXXX XXXX XXXX XXXX, I checked on line it does not exist. There was a lot of back and forth. I disputed and finally it got off my credit report. 
Couple months ago I had to apply for a mortgage as I was moving due to job change, another debt collector reached out with the same thing, same story they did not know where the debt was originated, they got it from previous collector. It went to my credit report I disputed it got off After couple more months third time same thing this time from dynamic recovery solutions as soon as I bought my new house. This time I did not bother with disputing etc.. just settled and paid some money I supposedly owed to a doctor I have not seen, in a city I was not 9 years ago. I hope that is the end of the story but I also hope you can do something about it so no one has to go through same thing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 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:
The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: GA

Complaint narrative:
I sent the XXXX a dispute letter on XX/XX/2021, which included several accounts on my credit that were incorrect. They have not responded and today is XX/XX/2021.

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Agency of Credit Control
State: CO

Complaint narrative:
I have reached out to this company to advise them that this account is invalid it was previously being reported by a company called XXXX XXXX. I disputed the debt because it does not belong to me. All 3 credit bureaus removed the account because it could not be verified. This company AGENCY CREDIT CONTROL now has replaced the same invalid account on my credit profile. This account should be removed at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Firstly : Last month my XXXX Credit Card was shut off and in limbo for several days. Calling anyone was worthless.

Syncrony is their bank.

Issued a new card. Now as usual I can not pay a monthly bill by phone ...

Due to a one eyed one eared computer on auto pilot. Which wastes all my time every time I call. Voice or number prompts are useless. A whitewash of service gone completely wild.

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 2021-06-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted experian regarding these unauthorized inquiries on my report to be removed and they refused. 

I have submitted in writing by certified mail with a return receipt that these were fraudulent inquiries and request for them to be removed.

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 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have a mortgage account with Mr. Cooper. This is the 5th time I am complaining to CFPB about the same issue : 1. First, Mr. Cooper took away my online amortization schedule from my account.

2. Then I need to request and wait for days/weeks to get the wrong one.

Today I chatted with XXXX  who is shamelessly telling me to call Escalations. When i called escalations, the agent doesn't understand anything. Agent 's supervisor ( XXXX  ) is not capable enough and she is stating that this is a recast. I explained to her and corrected her.

Very inefficient company and very poor quality of work. Two of the employees of Mr Cooper live in my neighborhood. Since the pandemic, they are not doing any work. Both on H-1B visa. Mr. Cooper hires bad quality and cheap resources which impacts customers adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: FL

Complaint narrative:
To whom this may concern, Vance & Huffman are reporting a debt that I do no owe and there reporting XXXX and the letter XXXXthat they sent over to the CFPB shows a different amount of {$550.00} this is not my debt and I need this to be removed from my credit report. They haven't shown any proof that I owe them directly they have not validated that I owe any loans with them. I need for this matter to be investigated and for them to remove this erroneous debt from my credit report.

Company response to consumer: Closed with non-monetary relief