vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Last year I asked for the Covid relief miss 3 payment thing, I was granted it because then I had 3 additions to my household who were out of work. Since then all have left and back to work. In XXXX of 2020 I received my packette for the LOAN MODIFICATION AND NEW PAYMENT AMOUNT. I started in XXXX paying by phone the amount referenced in paper work sent in XXXX. I then told them my husband ( Veteran ) had passed away and wanted his name off the title. They informed me that they would have to redo the packet and send me another one. I call every week and get the same story, it is in title and this has been going on since XX/XX/2020. I am on the original title and my husbands ' heir to property. I sent them his will and death cert. and marriage licence and XXXX and signed and filled out all paperwork they requested I submit. There was no probate as I was on the original and the refinance loan we have with Well Fargo. I have debt that I would like to address but am unable to proceed with any financial decision as the loan modification is being held up at the " title '' level of Wells Fargo mortgage. I tried to get another loan to just pay off wells fargo but my debt to income is such at this time I couldn't quality, how ever I pay all bills on time including my house payments. I only owe around XXXX on my home but have huge equity in it at this time. I am afraid they will try to take my home away from me I am XXXX XXXX XXXX, member of the XXXX XXXX XXXX XXXX XXXX # XXXX and white. I am the widow of a XXXX  Vet. he passed away XXXX XXXX. I call every week for updates but nothing happens, it has been 7 months to get paperwork to close this loan modification. I really would like help, I called local Legal Aid and they haven't called me back either. I don't have money for an attorney. I was my husbands care giver for 6 years our debt is do to this issue I can explain but not on this page.

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 2021-07-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$5300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Someone fraudulently opened an account with XXXX XXXX / XXXX in XXXX of 2019. I have been consistantly calling XXXX XXXX XXXX XXXX as well as their collection agent TSI Inc. For the last two years and they have done very little to satiate my need for relief. I have started multiple inquiries into the matter at great expense to myself ( purchasing a printer, sending multiple copies of ID and signatures, police reports, etc. ) and they have done nothing. I have requested proof that the debt is mine and they failed to provide it on several occasions while simultaneously stating that it is my debt and that I need to pay it. I have gone over two years without being able to use my credit since they are on my credit score as being in collections for {$6000.00}. This is causing great pain and suffering in my life as I am unable to buy vehicles on credit, un able to buy a home, and last year they garnished my federal tax return even though I have been fighting with them for 2 years through their fraud team to try to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NY

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MI

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 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 2021-07-07 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:
EQUIFAX was contacted on XX/XX/2021 on behalf of reporting inaccurate inquiries on credit file. Also EQUIFAX could not verify that the consumer gave permission to report on credit file violating rights under 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: OH

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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2021, Experian charged {$9.00} to my XXXX XXXX account without my knowledge. I discovered the charge only when I received and reviewed my XXXX bill the next month. I attempted to cancel the charge through a number I found online and was told I could not do so without first providing personal and financial information. I refused to do so and contacted XXXX to dispute the charge. XXXX could not confirm the error but provided better/more trustworthy contact information for Experian and I felt more comfortable providing my personal information. The company canceled my " membership '' but refused to reverse the charge. I searched all my email for XX/XX/2021, and found absolutely no communication from any source whatsoever regarding membership in anything related to Experian. In my opinion, this is fraud on their part and action should be taken. Indeed, the notice attached to this complaint was the FIRST indication I received ( only after disputing the charge through XXXX ) that this would be a recurring charge.

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 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
My Coinbase account had an attempted unauthorized password change last week, no big deal, I haven't used the service in years so I simply locked the account. 

Between yesterday and today, a total of {$4000.00} was taken from my bank account from coinbase. Coinbase has no customer service support to get help with, I got in contact with my bank and locked my savings to protect myself from additional charges. I can not even access my coinbase account because the password was changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

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 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My loan was originally with XXXX and earlier this year they transferred it to XXXX Loancare and ever since it's been nearly impossible to reach anyone to speak with or to get a straight answer. Most of the people I speak with have contradicted each other. At least one woman told me information that later turned out to be false : she said I would be offered a 3.125 % interest rate if I did a loan modification. But when the loan mod offer arrived it was for the exact same interest rate ( 4.125 % ) I currently have but they extended the term of the loan to 40 years. Previous to that I received an email on XX/XX/XXXX from Loancare stating I had " been approved for an initial forbearance plan or extension of your current plan. '' But then when I called in after that they said I wasn't eligible. It has been confusing and frustrating. Eventually I requested the loan modification offer with the understanding it would be a lower interest rate and when it arrived it wasn't lower. I've currently been on hold for 41 minutes and counting trying to understand what my options are if I reject the loan mod offer. I reached someone named XXXX and asked what my options are and she said she needed to put me on on hold to look into it. that was over 30 minutes ago. This is predatory lending. The email address they told me to contact them at ( XXXX ) is invalid. The forbearance plan offer also lists someone as my mortgage resolution advocate XXXX XXXX XXXX XXXX and his phone number as the general phone number for loancare which takes forever to reach a representative and is impossible to navigate through. There's no extension for XXXX nor is there an option to enter an extension anyways. Also none of their correspondence lists where to mail payments.

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 2021-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United PanAm Financial Corp.
State: TN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of 2021 I requested for validation and additional information to validate this debt, each time documents came back to my address saying that the address was incorrect. Could not find a valid address this is the only address that's on the letters that was seen and several others but was unsure if it was related to United Auto Credit. I would like for the requested information to be sent to me to validate this debt. Please see the attached documentation below. If this debt can not be properly validated then it needs to be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TN

Complaint narrative:
There are at total of 5 student loans reporting on my credit file that I have disputed with TransUnion to show the accounts as closed and paid. I have requested this in writing and I even contact them by phone. They responded that what they are reporting is accurate. My report indicates they did last updated on XXXX of this year for 3 of them and then XX/XX/2020 for the other two. How in the world can they say they investigated anything???? The other two bureaus did update to show the correct information TRANSUNION HAS NOT All of those were consolidated in XXXX!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Items that were removed from my XXXX  credit report are placed back on my report. 
I have filed a dispute in regards to the incorrect items on my credit report, which has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
This company credit acceptance or the dealership fraudulent changes and over charge over XXXX in a loan Im the co-signed the dealership is out of business credit acceptance dont respond or investigate this issue

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 2021-07-07 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is collection reporting on my credit report that i have no knowledge of. Also this account was once removed and now its reappearing. Please remove from credit report as soon as possible.

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 2021-07-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, On XX/XX/2021 I sent over certified letters to all three credit bureaus XXXX, Equifax and XXXX  in regards to incorrect information reporting to my credit report. Ive also sent over to them demand of comply letters and the companies have not complied to their own policies in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I had applied for a XXXX XXXX card in XX/XX/2021. I received a confirmation that I was approved but never received the Card. The card is issued through Synchrony Bank located at Synchrony Bank Corporate Headquarters Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX I have tried to reach the bank but was unsuccessful. Idid not find any e-mail address and when I tried to call I was on hold for 50 mins.. So I hung up. I wanted to cancel the card since I never received it. It also stated the it would not affect my credit report but it has drop my rating by 9 points ...

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 2021-07-07 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: MI

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 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I initiated 2 bank transfers in the amount of {$20.00} and {$130.00} from my XXXX XXXX checking account ending in XXXX to my Venmo account XXXX and it states that the estimated completion date is XXXX and today is currently XXXX but the transfer is still pending. I contacted Venmo and they said the funds has not been received but the money was deducted from my account the next following day as of XXXX. So Im requesting a chargeback ( refund etc. ) sent back from Venmo in the amount of {$150.00} back to my XXXX XXXX XXXX  checking account. Because the money wasnt received as promised. My whole account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: Army and Air Force Exchange Service
State: MN

Complaint narrative:
Someone fraudulently opened an account with military star / AAFES in XXXX of 2019. I have been consistantly calling AAFES / Military star as well as their collection agent XXXX XXXX For the last two years and they have done very little to satiate my need for relief. I have started multiple inquiries into the matter at great expense to myself ( purchasing a printer, sending multiple copies of ID and signatures, police reports, etc. ) and they have done nothing. I have requested proof that the debt is mine and they failed to provide it on several occasions while simultaneously stating that it is my debt and that I need to pay it. I have gone over two years without being able to use my credit since they are on my credit score as being in collections for {$6000.00}. This is causing great pain and suffering in my life as I am unable to buy vehicles on credit, un able to buy a home, and last year they garnished my federal tax return even though I have been fighting with them for 2 years through their fraud team to try to get this 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 2021-07-07 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: LEXISNEXIS
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter to LexisNexis about the illegally and unlawfully erroneous accounts they are selling to other bureaus. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports ( a ) IN GEREAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. 
I was never notified in writing or any other communication and I am appalled that these sneaky reporting agencies are sneaking around buying and selling information to determine a persons worth. I demand that these accounts be removed immediately.

Company response to consumer: Closed with explanation