vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a quote to pay my house, to pay in full on XX/XX/XXXX, they sent me by email the house payoff valid until XX/XX/XXXX, I made a payment on XX/XX/XXXX, {$120000.00}. Only {$7100.00} left. I called the WELLS FARGO Mortgage XXXX on XX/XX/XXXX, to finish paying off the house, they did but next day Wells Fargo reversed the payment. This morning, when I accessed my account at WELLS FARGO to see if everything was ok, I saw that the payment was reversed. I called the WELLS FARGO company to find out what had happened, and they told me that I had to do the payoff quote again, I told the representative that I had already requested the payoff of the loan and I agreed with what they sent me in my email. The representative told me that I would have to make a new quote to make the payoff, I told him that I had already received it on XX/XX/XXXX, and I had the quote to pay within the period established by them, on XX/XX/XXXX, The representative kept insisting that he would have to redo it, I have the proofs of the quote that they sent me, and I was on time. WELLS FARGO is giving me a hard time to finish paying off my house, and for no reason. THE WELLS FARGO WANTS TO GAIN MORE TIME TO CHARGE ME MORE THAN I WAS PASSED IN THE XXXX ON XX/XX/XXXX, WHICH WOULD BE VALID UNTIL XX/XX/XXXX. Now he has a push game to gain time to want to charge more on top of the remaining payment, which would be {$7100.00}. It was no use talking to the mortgage representative because he told me he couldn't do anything and that it would have to be done by the big bosses to finish the house payoff. This is a joke because I already had the payoff quota, it made me very stressed, and I already have nerve problems, and this aggravated my nervous system even more. I just want to pay off the rest of my house. I think this WELL FARGO mortgage is going too far to end that story. Not only that, but I have the email proving the payoff they sent me. 
payments made and reversal, XX/XX/XXXXXXXX XXXX REVERSAL {$0.00} {$7100.00} XX/XX/XXXX PAYMENT {$7100.00} {$7100.00} XX/XX/XXXX PRINCIPAL XXXX {$120000.00} {$7100.00} Well, I made the pay-off payment in the time they sent the amount to be paid until XX/XX/XXXX, which they sent to me, if someone who works for WELLS FARGO did something wrong, it's not my fault. Just want to solve this problem yesterday. 
ATTACHED FILES THAT I RECIVED FROM WELLS FARGO MORTAGE COMPANY

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 2022-11-16 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I have reached out to this company multiple times regarding the multiple fraudulent accounts reporting on my ChexSystems report. They are still reporting on my ChexSystems even after providing supporting documentation to prove it is not mine. There are multiple addresses that do not belong to me and they're still reporting on 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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
To whom it may concern, I have tried to close my account with US Bank for a week now. The US bank customer service representative said all pending transactions needed to be cleared before I closed my account. So, the representative deleted my debit card associated with the account on Wednesday XX/XX/22. On Friday XX/XX/22 I spoke with a different representative who said I could now close my account. I sent their email address a handwritten letter and included a ticket number which is XXXX. I included all of the information that was asked of me and requested by US Bank. On Wednesday XX/XX/22, I received a notification from US Bank that my balance was negative in the account I requested to close. To my surprise the account was not closed. I called the US bank customer service line and to my surprise they are now saying I need a notarized letter. I did not receive any communications from US bank between XX/XX/22 and XX/XX/22 notifying me that I needed a notarized letter. US bank did not communicate this requirement to me on XX/XX/22 over the phone. I feel as though US bank is not allowing me to close my account. Additionally they charged me a {$4.00} analysis account fee on XX/XX/22 which I did not consent to nor was I notified that I would have to pay this fee to close my account.

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 2022-11-16 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: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2022-11-16 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: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2022-11-16 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: AL

Complaint narrative:
I recently requested a reinvestigation of the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FST XXXX XXXX XXXX FST XXXX XXXX XXXX XXXX LOAN XXXX XXXX XXXX XXXX XXXX XXXX FST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK XXXX XXXX FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.

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 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: CO

Complaint narrative:
My name is XXXX XXXX. I purchased an item from a company that I purchased items from before. It turns out the company 's account throught XXXX was hacked. I sent {$400.00} through XXXX to what I thought was the vendor I had purchased from previously. It turns out, the money went the hacker that hacked the account. 

I am a customer with Bank of the West, and I was told since the the money was sent through XXXX the bank is not responsible for the loss. This is a service that the bank uses. How are they not responsible? What happened to me was fraud, plain and simple. 

Being frauded is humiliating, but how Bank of the West has treated me is even more humiliating. They tell me I should only have sent money to only someone I new and that it is my fault that I sent the money. 

To me this is an electronic transfer and I don't understand why XXXX, XXXX and others don't fall under this category. I just want my money returned. {$400.00} may not mean anything to the bank, but it means everything to me for someone on a small budget. 

Please, I hope you can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: KS

Complaint narrative:
I have identified information on my credit report as a result of Identity theft. These items are not related to any transactions completed by 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 non-monetary relief
Consumer complaint received 2022-11-16 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Our mortgage was transferred to Selene Finance from XXXX and when Selene bought the mortgage XXXX did not inform them that we were in the middle of a COVID hardship modification.

Unfortunately, we had to start the whole modification process once again with this new lender. We explained on numerous occasions that we were in the midst of a COVID hardship, that I had just recently had XXXX  XXXX XXXX and that we were just starting to receive payments from our tenants who were also behind on rental payments. 

Selene responded to our hardship request by not only INCREASING our monthly mortgage payment from {$3100.00} to {$4100.00} but also INCREASED our Interest Rate from approximately a 4 % ( that we had with XXXX ) to a 7 %. 

Selene 's lack of empathy and GREED took advantage of a very difficult time. 

In fact, we requested that they consider extending the loan to 40 years and WE NEVER RECEIVED A RESPONSE TO OUR WRITTEN REQUEST. 

Based on all of the above, we are filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: DE

Complaint narrative:
Equifax credit reporting company is reporting the account XXXX XXXX XXXX- Account number XXXX in the amount of {$120.00} with no information on the DATE CLOSED. XXXX reporting company is reporting XXXX XXXX XXXX # XXXX in the same amount {$120.00} with the DATE CLOSED AS OF XX/XX/2018. Equifax and XXXX are reporting different information on the same account which is contradicting each other. This is a discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
There are multiple fraudulent accounts that are reporting on my ChexSystems XXXX XXXX report. They are not mine and I have reached out to these companies regarding the negative items and personal information. They are still reporting on my report and are hindering me from opening bank accounts. I have submitted my supporting documents to prove these accounts are not mine and the personal information is incorrect.

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 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have called Capital One Credit Card company and XXXX multiple times trying to resolve this. 

Capital One XXXX charged me {$100.00} in late fees and interest for a payment that they said was received 1 day late. 

On XX/XX/XXXX I used XXXX XXXX XXXX pay to enter a payment of {$3700.00} to be paid to Capital One on XX/XX/XXXX. This payment was for the entire balance on the card. 

The actual due date of the Capital One bill was XX/XX/XXXX. 

XXXX mailed a paper check to Capital One on XX/XX/XXXX, with a pay date of XX/XX/XXXX. 

Capital One says they didn't receive the check until XX/XX/XXXX, 8 days after it was mailed. They are unwilling to waive interest and penalty fees despite the fact the envelope was postmarked XXXX and the check was dated for payment XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Capital One in XXXX to close my credit card account before the {$95.00} annual fee posted in XXXX. I was told I could not close the account due to an outstanding dispute. The dispute was settled in XXXX with a credit back to my account. Capital One said the dispute would take 90 days to complete. The {$95.00} fee was charged to my account. I called and was told " there is nothing that can be done to refund the fee, or close the account. They did say the fee can be refunded if I close the account within 40 days but I can not close the account in that timeframe as the dispute will not be resolved for another 60 days. Capital One is holding me XXXX over a {$95.00} fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 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: Early Warning Services, LLC
State: NY

Complaint narrative:
There are multiple fraudulent accounts that are reporting on my ChexSystems & XXXX  report. They are not mine and I have reached out to these companies regarding the negative items and personal information. They are still reporting on my report and are hindering me from opening bank accounts. I have submitted my supporting documents to prove these accounts are not mine and the personal information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
On XX/XX/22 I received an envelope from a debt collector firm, Hayt, Hayt, & Landau, LLC stating they are interrogatories, which is a false and deceptive statement creation of false and deceptive forms to the court. Instead its a court packet with a dock # that isnt mine and lists a court that is not in my jurisdiction with information of another consumers non public identifiable information stating they owe a debt and suing. Which are Violations of the FDCPA, XXXX XXXX XXXX XXXX and the PRIVACY ACT. I am now skeptical and have reasons to believe they did the same to me. The misrepresentation of material facts, false and deceptive statements, violations FDCPA and other consumer laws has caused grave injuries to myself and the other consumer whos information was breeched and leaked by XXXX XXXX XXXX which is also defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: KS

Complaint narrative:
I have identified information on my credit report as a result of Identity theft. These items are not related to any transactions completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: KS

Complaint narrative:
I have identified information on my credit report as a result of Identity theft. These items are not related to any transactions completed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

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 2022-11-16 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: AL

Complaint narrative:
I recently requested a reinvestigation of the completeness and accuracy of the list of accounts below : XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: AL

Complaint narrative:
I recently requested a reinvestigation of the completeness and accuracy of the list of accounts below : XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.

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