vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. Account XXXX XXXX : # XXXX Account XXXX XXXXXXXX XXXX # XXXX. They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.

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 2022-10-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX called and verified all my info .told correct info spoke with a representative and he told me everything was good to go! Called back today as someone is telling me something different. Manager rude. I mailed certified letters also contacted the original creditors. The creditors told me to contact the credit bureaus. Im not sure why they havent received or gotten clearly as a client I did my part Inquires are XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: NC

Complaint narrative:
XX/XX/XXXX called and verified all my info .told correct info spoke with a representative and he told me everything was good to go! Called back today as someone is telling me something different. Manager rude. I mailed certified letters also contacted the original creditors. The creditors told me to contact the credit bureaus. Im not sure why they havent received or gotten clearly as a client I did my part Inquires are XXXXXXXX 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 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 explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We had a Mortgage Audit done around XX/XX/XXXX XXXX have already sent out the information to the parties involved but we are in disagreement as to who has access to the Note under the REAL Property Status recorded in our name XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Pursuant to the XXXX XXXX Supreme Court 's decision in XXXX XXXX Countrywide XXXX XXXX ( XXXX ), 135 S.Ct.790, TILA gives me, as a borrower, the right to rescind the subject loan until midnight of the third business day following the consummation of the transaction or the delivery of the disclosures required under TILA. I am hereby notifying you, as the creditor, of my intention to do so as you and/or your predecessors have failed to satisfy the TILA disclosure requirements, including but not limited to delivery of a written document to me explaining my rights at the time of the transaction. Therefore it my right to Request a NOTICE OF RIGHT TO CANCEL. 
SEE DOCUMENT PRESENTED IN THIS LETTER

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 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was a victim of extensive debit card fraud for the last XXXX XXXX. I reported these instances to Wells Fargo and they found them all to be legitimate fraud. However, I was just informed that my account was being closed due to " business reasons ''. This happened with no warning and my various direct deposits for work are all frozen in limbo now and I have no access to my funds. This follows a pattern of behavior exercised by Wells Fargo for which the XXXX XXXX XXXX XXXX XXXX. has chided 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 2022-10-27 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: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I was advised in when I was making my XX/XX/XXXX mortgage payment that my XX/XX/XXXX payment was due. I paid my XXXX payment on XX/XX/XXXX and indicated that to my mortgage company. They advised that my payment was reversed on XX/XX/XXXX citing an " invalid account ''. I contacted my bank ( XXXX XXXX XXXX ) who confirmed the transaction was complete and no reversal was done. They provided me with a trace number. My mortgage company did their investigation and after 30 days requested additonal time for the investigation. In the meantime, they provided an update to the credit bureau that my XXXX payment was more than 30 days late, even though it was still XXXX and I made the payment and it was under investigation ). I also incurred late fees. Within a week they determined that I did owe the money and then cited that it was actually the XX/XX/XXXX payment that was paid and reversed. ( Which is also not true AND not their original complaint. ) I called the mortgage company and asked them to send me all of the records of the payments I made since this company had only purchased my mortgage in XX/XX/XXXX from my previous mortgage company. The agent advised that my account showed XXXX XXXX payments that were made and one was reversed. I only made 1 payment and it cleared so it appears there is some error on the part of the morgage company. I have made payments in each XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and it reflects this in their documentation. The mortgage company continues to show I am late and now owe my XX/XX/XXXX payment but I do not. There seems to be a glitch somewhere on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2019 I made an uninformed decision when I entered into a consumer transaction with JPMCB CARD SERVICES. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. As a cause of this the account ended up becoming a charge off and So now this account is reporting as a charge off on all my credit reports. I have disputed this account several times because JPMCB is not following the law. They have continued to keep this account on my credit report causing me emotional distress, denials, embarrassment, humiliation, and worry. Because of that I have reached out to JPMCB CARD SERVICES one last time sending them a certified notarized letter via usps tracking number XXXX. Also I have uploaded the letter to this complaint as well as a denial letter that I received due to this reporting. Per IRS publication 4681 canceled/charge off debt ( s ) are to be reported as income on form 1099c. By law JPMCB CARD SERVICES cant report their debt on my consumer report. According to the IRS a charge off is supposed to be INCOME. A charge off cant be reported as both income and debt. Why are they reporting income on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions I requested a MOV method of verification on this account because I wasnt notified about it via email, mail, and phone. I checked my credit and happened to see the account. I challenged Equifax to send me their method of verification such as bill, written signature, etc and also stated if it couldnt be produced then the account should be deleted. I revived a letter in the mail saying that the account was verified and that was it. No supporting documents in which I asked for. This collection is not only violating XXXX sections but falsely adding age its not even in the right category this account is suppose to be in collections which it was and they added it to installment accounts which is clearly not an installment. Which further leads to saying that I have a late payment. In the attached photo it says installment accounts are loans that require payment on a XXXX basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. As you can see this isnt a loan and shame on equifax for letting this collection agency damage my credit file and verifying it as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX ago the paypal sent the attached email and limited my PayPal account. I'm XXXX XXXX XXXX and I have my passport, learner permit and foreign driver license to prove that. Yesterday I called PayPal 's customer service, on the call he said the limit will be left, but until today I did not see anything change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: OH

Complaint narrative:
I have filed a complaint before concerning an account for that I requested proper validation and verification from XXXX saying that I owed a debt of {$1100.00}. I need this account to either be validated or removed since it is not accurate. XXXX is the second company trying to force a claim upon my person from this previously disputed 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 2022-10-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
The Credit Card ( DISCOVER ) is attempting to charge me for a transaction that was applied to a deactivated card account. 

In XXXX of XXXX, I paid off the credit card in full. This transaction is dated XXXX for the amount of {$10000.00} ( I have the invoice ). At this time, I ordered the card to be deactivated but, did no close the account. 

On XXXX, Discover approved payment for an automated annual fee to XXXX ( A social media company ) for {$300.00} to the deactivated card without notifying me prior to processing the payment. I DID NOT REQUEST CREDIT FOR THIS TRANSACTION. 

On XXXX, XXXX contacted Discover to dispute the charge and was told that the transaction was treated as if it were for an Emergency Utility Payment. Discover then suggested that I reach out to XXXX for reversal. I then permanently closed my Discover Credit Account. 

I visited XXXX and reviewed my auto-renewal and found that XXXX identified clearly that my Discover Card of record had expired in XXXX ( I have a screenshot ). I closed the account. 

On XXXX I again contacted Discover and challenged the charge. Discover then instructed me that they would contact XXXX and request reversal ( I did not solicite them to do this ). 

I have since received notification of legal actions against me. I then formally filed the attached document with them. They've rejected my request. 

For reference the card number ( account now closed ) ended in XXXX. 
Discover has submitted a case number which is XXXX Discover has entered in this issue with the credit bureau and this has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity has some kind of scam going on. I placed an order with XXXX XXXX, and as soon as I received the bill I tried to log on to pay online. 
Repeated efforts failed due to their supposed " technical difficulties ''. I had to order paper checks to pay by mail, so of course I missed the due date. 
The next month, I got a bill from XXXX XXXX with a late fee of {$45.00}. 
Needless to say, I refused to pay for their " technical difficulties ''. 
They have done nothing but harass me ever since with endless phone calls and monthly bills racking up {$45.00} a month for XXXX months now. 
They suggested I write to them to dispute which I did. Still the endless phone calls won't stop. 
XXXX XXXX is of no help. They have lost a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
FedLoan Servicing is not taking ownership of a payment I made before my loans were transferred to XXXX. 

On XX/XX/2021 I made a {$25000.00} payment towards my student loan balance. This was made before my loans were transferred to XXXX, therefore FedLoan should be responsible for returning {$20000.00}. 

Details regarding the payment is listed below : XXXX XX/XX/2021, XXXX XXXX to XXXX Dear XXXX : We are confirming the student loan payment you scheduled through Account Access. 
Payment Amount : {$25000.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Confirmation Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of XXXX they marked me with a wrong late payment that was extended through XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: KY

Complaint narrative:
I was under XXXX XXXX until the end of XX/XX/XXXX. The mortgage company said they had mailed loan modification paperwork but I never received it. After several calls to the mortgage company they continued to to tell me that I was under XXXX XXXX and that they had re-submitted the account for loan modification. In XX/XX/XXXX I got the loan modification paperwork from the mortgage company, and got it sent back to the mortgage company. In XX/XX/XXXX I began remaking payments. The mortgage company is reporting to the credit bureaus that I was XXXX XXXX in XX/XX/XXXX and XXXX XXXX late in XX/XX/XXXX, and they also reported an amount that was past due. This has affected my credit and also caused a credit account to be closed when I had always made payments to that credit 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 explanation
Consumer complaint received 2022-10-27 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: GA

Complaint narrative:
TransUnion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 



DELETE OR BLOCK THE FOLLOWING ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

TransUnion you are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.

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 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
On XX/XX/XXXX I had XXXX missed phone calls from Wells Fargo, as I was with my own business clients. I also received a text concerning possible fraudulent charges from my business checking account. 

I did answer the next chance I could, the agent then text me a 6 digit code to confirm my identity as this is what happens with Wells Fargo. The agent the proceeded to ask me if I recognized charges on my account, and I didn't. 
The agent then proceeded to start fraud claims on these fraudulent charges, and gave me 7 reference numbers related to these charges. After talking about a couple of these charges, the agent again sent me verification codes, 2 more times. 
I've been through these calls with Wells Fargo before, it was a script I've heard before, it seemed very legit. 

The agent continued to tell me that there had been a wire transfer started for {$500.00}, but he was able to stop it, but there was also a transfer for {$24000.00} that had been completed, but Wells Fargo would reimburse me the next business day. 

I was on the phone with this agent for about 30 minutes, but within roughly 14 minutes my username and password had been changed, someone had signed me up for Wire transfers, added a recipient, and had transferred {$24000.00} out of my account, all while on the phone with who appeared to be a Wells Fargo agent. I was scammed.. 

This person seemed to be a legit Wells Fargo employee, he knew the complete script like he still worked for Wells Fargo, or had been a past employee, as no one should know this script, unless they've worked with Wells Fargo 's fraud department. Either on the Wells Fargo side, or on the consumer side. 

Another suspicious thing, I just had a large deposit post to my account the day prior for {$51000.00}. It seemed like someone knew I was a good target.. 

I have been through 2 departments with Wells Fargo, and the only response to all of this is " we are so sorry, we couldn't get your funds back, and your claim is denied. '' I've had debit card numbers skimmed before, and my funds have been covered by Wells Fargo. I don't know why this instance is any different, and no one I've spoken to has had any other info for me. 

As far as me questioning that it was a current or past Wells Fargo employee, no answers were given there either.

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