vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$0.00} -Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened XXXX XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
XXXX car sales took a loan out for a car purchase. I DIDN'T KNOW THAT I GOT A LOAN FOR THE CAR! NEVER GOT A CAR EITHER! 
XXXX then proceeded to accuse me off damages from a rental car I rented on a different occasion. This was all turned to the credit bureaus effecting my credit score. Also I got turned over to collections to add to it. I am owed for refunds that the damage recovery unit is not working on. XXXX from renting any longer ...... 
Credit is not good I CANT GET A CAR STILL A YEAR AND A HALF LATER. I AM DEMANDING THESE COMPANIES TO HAND OVER COMPINSATION!! I have no idea to do about my son and I getting a house. Not sure what to do about us another car!!! Please help me and my son back to the life of " normalcy ''. I don't have credit worth amounting to dirt. 
XXXX XXXX XXXXs continuing to do a loan appiin my name because I get denied letters often.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: WI

Complaint narrative:
My Equifax on-line account still has wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2021. A transaction was fraudulently made on my Wells Fargo Account by a scammer. The scammer wire transferred {$14000.00} from my credit cards and my checking account ( all of my money ) from my Wells Fargo. The bank is telling me it's my fault although I called them first to report fraud and close my account. The morning of XX/XX/XXXX, I called the number on the back of my Wells Fargo Credit card to report a charge and they were supposed to close my account. On the same day around noon, the scammer called from the same number and scammed me.. my bank has given up on me and is saying it's my fault. I now have to pay high interest on my card because they will not refund my money back to me. I don't know what to do anymore. Wells Fargo is the worst bank to bank with, they have emotionally damaged me with this experience and I feel very helpless.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL " CRA '' FAIL TO SEND UPDATD REPORT AND RAPID RESCORE REQUESTED ON ABOUT XXXXTRANSUNION FILE # XXXX ( XX/XX/21 ) AND NEVER RECEIVED ANY CREDIT REPORTS TO HOME ADDRESS STATED ON FILE

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied online for a specific Wells Fargo credit card -- the " Active Cash '' VISA card. 

At the end of the application process, I was issued a different credit card -- the " Reflect '' VISA card. 

I immediately called Wells Fargo about the error, and was shuffled through several departments. In the end, they told me that the case was referred to the " executive office '', who would call me back.

The " executive office '' closed the case without calling me back, which I only found out by calling them back. The case closure notes say that I must hold the " Reflect '' card ( which I did not apply for ) for at least 6 months before a change can be made. 

I now hold a financial product that I did ask for. I am reporting this because Wells Fargo has a reputation for " selling '' unsolicited services, and this is another example.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL " CRA '' FAIL TO SEND UPDATD REPORT AND RAPID RESCORE REQUESTED ON ABOUT XXXX FILE # XXXX ( XX/XX/21 ) AND NEVER RECEIVED ANY CREDIT REPORTS TO HOME ADDRESS STATED ON FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL " CRA '' FAIL TO SEND UPDATD REPORT AND RAPID RESCORE REQUESTED ON ABOUT XXXX FILE # XXXX ( XX/XX/21 ) AND NEVER RECEIVED ANY CREDIT REPORTS TO HOME ADDRESS STATED ON FILE

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 2021-11-02 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: LEXISNEXIS
State: IL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I file many complaints with FTC regarding a macys account on my personal credit report. 
I have never had an account with any of these collectors/creditors. I have contacted them multiple times for proof of ownership but they have failed to send me the proper documentation to show that I own this account. Please delete this on my credit report immediately as it affects my credit standing.

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 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of .....

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

THEY NEVER RESPONDED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
We ( XXXX and XXXX XXXX ) have 4 mortgages that TCF bank serviced for 4 different rental properties we own. Huntington Bank recently acquired TCF and took over between XXXX XXXX. We have billpay and sent all 4 payments on XX/XX/2021 to TCF as the Mortgage statement still indicated that TCF still owned the mortgage for the XXXX statement. 1 of the 4 payments was received but the other 3 were cashed by the bank and never applied to my statements. I have called and email, I sent over the cancelled check and a screen shot of my bank statement showing that my account was debited. I have been repeatedly told that they can not track down these payments and I need to go to my bank to get more information. 

I did exactly as I was told on my statements and sent money, money that was cashed. And somehow now we are getting tasked with providing ton of additional work. This bank 's mortgage department has taken no accountability and instead of saying, " we're sorry, we will look into and correct this '' All we are getting is more things we need to do to figure out how THEY LOST OUR MONEY! 

Banking and mortgages are about trust, this industry lets our mortgage get bought and sold to anyone without our consent, the companies that are allowed to purchase these mortgages must conduct themselves with integrity and respect. This bar has not been met with Huntington National Bank. 

Loan account numbers that are affected : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Loan Payment that was received : XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
For the past year or more I have been attempting to get my mortgage company to change their website system to make it easier to understand and use. No results! Among other issues : unlike my credit card websites that do not process a payment without first showing the amount and source from which the funds will be taken- which allows you to change banks among the drop down list- Quicken loans/Rocket Mortgage has a preset bank and DOES NOT allow you to confirm before hitting the submit button. And their website doesn't explain what " escrow balance '' implies and I had to ask someone to explain what it indicates. Plus a chat agent told me she was unable to see my loan information - meaning she was of no help and their phone system is so complicated with 15 different options that only add to the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
**Background** 1. I was skeptical of an Online only bank to perform interactions 100 % via web.. But did 2. After loosing my wallet, several unauthorized charges appeared on my acct.

3. AXOSbank cancelled my card without ANY consideration of needing access to funds.

4. AXOSbank 's policy is it takes 7-10 days to get a replacment card.

5. With not brick and mortars, seemingly not a single competent bank is employed with AXOS, as who can survive without $ $ for 2 weeks waiting on this snail mail process.

**New Issue** 6. I reported unauthorized ( recurring ) charges to my account and referenced it was from the previous fraud... As I remember the vendor being the same ( XXXX? ) 7. AXOS again deactivated my card without a single bit of notice to the consumer... 
8. I am again without funds while that mess gets sorted out.

**Burden from Axos** 9. Axos can not /willnot provide anything other than pompus virtue singling assistance via there chatt... I DO NOT NEED CONSOLATIONS, I need results/actions.

10. In an attempt to transfer $ $ to a prepaid visa card, I make a purchase and attempt to make a bank transfer to this acct... Axos rejects.

11. I am working overtime, running around the house 7 times in effort to supplement Axos ineptitude of banking competency & get access to funds.

12. Without ability to pay my motel bill and now homeless without access to any ov my $ XXXX 
13. While I am very disgusted with AXOS 's business model and needing to find a replacement bank ; I still need access to $ $ via debit card transactions and was trying to find another bank to open an acct.

12. Axos bank sends me a letter telling me they have cancelled my acct ... and they will be mailing a cashiers check to the address I am no longer at and has been the source of 2 separate frauds.

I need my $ $ and need a competent exec to speak with about getting those funds wired to another bank!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I took out a HELOC with XXXX XXXX. The terms for repayment were as follows : 60 payments {$850.00}. beginning XX/XX/XXXX 119 payments {$750.00}. beginning XX/XX/XXXX 1 payment {$750.00}. beginning XX/XX/XXXX According to my original contract my terms for repayment are listed above. My complaint is that in XXXX, I was behind on my payments and Chase Bank, the institution I submit my monthly payment to, sent me a notice in XX/XX/XXXX, offering me a partial claim HAMP. I was not to clear on what it meant, I was under the thought that it was intended to help me get caught up on my arrears. I called Chase as it was listed as my loan servicer, I asked who the investor was and questioned why my MIN number /MERS account is listed as inactive. I have been paying on this HELOC for 17 years and it was originally a 20 year loan to end XX/XX/XXXX. I ask Chase for my documents and I have uploaded a copy of what they mailed to me and what I have as original Note and TILA. I have also discovered that the Notary Public that signed and stamped the Modification Agreement to verify the Vice President who signature, XXXX XXXX. The Notary Public is not real as I searched the Secretary of State website in Michigan to locate her. The website does not have XXXX XXXX ever as a Notary in the state of Michigan. Chase bank did not calculate my loan properly over the lifetime of it. I find that this HELOC has been paid since my XX/XX/XXXX. 
I would also like to add that I have had my loan number change at least twice. I went into Chase to make a payment and was told that the loan number did not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I am filing this compliant about this account from KEY BRIDGE # XXXX. I have never done any business transactions and I do not recall any documents showing any transactions.

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 2021-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been inaccurately reporting myself as an authorized user for a credit card when I received confirmation on XX/XX/2021 that I had been removed. This fraudulent reporting has cost me hundreds if not thousands of dollars and negatively impacted all 3 of my credit scores.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been inaccurately reporting myself as an authorized user for a credit card when I received confirmation on XX/XX/2021 that I had been removed. This fraudulent reporting has cost me hundreds if not thousands of dollars and negatively impacted all 3 of my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: FL

Complaint narrative:
Experian need to remove unauthorized inquiries

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 2021-11-02 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: NY

Complaint narrative:
1 ) .XXXX XXXX XXXX Account XXXX Balance : {$1900.00} Most be deleted 2 ) .XXXX XXXX XXXX  XXXX Account XXXX Balance : {$9100.00} Most be deleted TransUnion is reporting these companies listed above on my credit report for almost 10 years now. I do not know these companies nor have I ever had any businesses with these companies. These companies do not have any contract with my signature or proof that they have any account on file with my name on it. TransUnion most Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years. By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts most be DELETED NOW.

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 2021-11-02 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report and I saw that my credit score is low. Why you put this information on my account. I dont know anything about it! Im sure someone used my personal information and applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: U.S. BANCORP
State: PA

Complaint narrative:
on XXXX, i was reviewing a copy of my credit report and i seen some account that were opened in XX/XX/2021 and XX/XX/2021. I did not open these accounts and i would like to get them removed ASAP.

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 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I paid 6 months of payments. ( XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) I paid them online using their website. My payment is {$1700.00} and I always pay an even {$2000.00}, which includes additional principal of {$240.00}. However, the bank has decided to use my XXXX payment strictly as a principal payment and my payment for XXXX is still due. I don't want that and I never asked for that or filled out any papers requesting that. I made 6 {$2000.00} payments, all to be used as my actual payment. I have called twice already. The first time I called was XX/XX/XXXX. I even received 2 letters from them and the second one says they corrected the situation. I waited until the XXXX to call back. I spoke to XXXX XXXX, XXXX. She said she would correct the problem and give it up to XXXX hours. It is now the XXXX and the bank still shows my XXXX payment as a principal payment. Mr Cooper Mortgage XXXX

Company response to consumer: Closed with explanation