vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I had seen a XXXX transfer from my bank account thats associated with Wells Fargo of XXXX to someone who registered my information on their XXXX account and also had changed my information that was on my XXXX XXXX, that transaction wasnt authorized by me or did I send that amount of money I filed a claim with Wells Fargo and weeks later my claim was denied I asked what further documents do I need to show just prove that it wasnt me I was then told I authorized the transaction which was not the case and they stated theres nothing more I can do on my end. when I closed out my account and when I received an email of my account being closed I noticed the name of my account that I had closed out was under XXXX XXXX which who I do not know of. A lot of money was taken out of my account which caused a hardship on me and Wells Fargo does not was replace the money that was taken from me its really frustrating that my bank doesnt want to help me out this is the first time something like this has ever happened to 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 2022-02-17 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: CA

Complaint narrative:
TRANSUNION is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. XXXX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. TRANSUNION has not done their job in verifying this information. I've contacted them numerous times over the phone as well as XXXX. The account is in good standing. TRANSUNION has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both XXXX & TRANSUNION to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you

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 2022-02-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX letter was sent on my behalf by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX. to Comenity Bank, XXXX XXXX XXXX, XXXX OH XXXX requesting a review of my credit history regarding a late payment in XX/XX/XXXX because of inadequate billing notification XX/XX/XXXX dated letter sent from Comenity Bank to XXXX XXXX XXXX and received on XX/XX/XXXX regarding XX/XX/XXXX letter sent on my behalf informing him " To address your concern, we have updated our records and have notified the credit reporting agencies of the changes that need to be made to the credit file. This change should be reflected on the credit file the next 45 days. '' " If you have any further questions, please contact Customer Care team at the address listed below. Comenity Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. '' No one signed the letter. The letter closing was : Sincerely, Customer Care. There was no phone number on the letter. 

XX/XX/XXXX dated and certified letter sent by XXXX XXXX on my behalf to Comenity Bank, XXXX XXXX XXXX, XXXX XXXX requesting Comenity Bank provide copies of documents sent by them to credit reporting agencies as stated in Comenity 's XX/XX/XXXX letter for my records and possible follow-up. 

XX/XX/XXXX letter sent by Comenity Bank " Card Holder Services '', XXXX XXXX XXXX, XXXX Ohio XXXX to XXXX XXXX informing him his letter did provide enough information for them to locate my account information even though Comenity Bank 's letter dated XX/XX/XXXX indicated otherwise. Comenity Bank 's letter also requested that I forward my name, social security number, address, and phone number. Comenity Bank 's letter did not contain anyone 's name of phone number. 

XX/XX/XXXX, date of letter from Comenity Bank, Customer Care team addressed to XXXX XXXX and recieved on XX/XX/XXXX stating : " We can not locate the account. '' Even though I sent the information to them on XX/XX/XXXX. See above. 

XX/XX/XXXX, I, XXXX XXXX, sent Comenity Bank a certified letter to XXXX XXXX XXXX, XXXX, OH XXXX summarizing all letters and dates between Comenity Bank XXXX XXXX XXXX and me. In this letter I requested that someone call me to discuss my case and again included my e-mail address and cell phone number.s

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a letter at the end of XXXX saying my account was on hold due to a problem with my address. My business performs real estate transactions and has always, since XXXX had a po box address. Apparently Chase suddenly decided this was an issue. 
I made multiple trips to the branch office in XXXX on the XXXX, XXXX and XXXX. The banker who tried to assist me could not even correctly upload the documents Chase was demanding to prove a brick and mortar address which my business does not have. Chase forced me to attach my home address to the business account which is incorrect. 
after many branch visits, calls to my personal banker ( I am a private client ) and many calls back and forth I was told the issue was resolved. Then on XX/XX/XXXX i received what appears to be a phishing notice telling me there was fraud on my account. I did not click but instead called Chase who told me my account was restricted.

after waiting over ten minutes i was disconnected, then I called again and after 84 minutes i was disconnected again, still with no way to resolve my issue. after another 57 minute call i was able to escalate to executive level customer service. They called back with a vm to say someone was looking into it. after another full week went by and 3 follow up calls to XXXX and a visit to my personal banker they finally called back to say there was some form that had to be filled out in the branch. I did this. At that time no one could still tell me if the account issue was resolved. Chase continued to bounce checks and return payments. I called again 3 or 4 more times trying to escalate. As of XX/XX/XXXX i finally got a call back from manager XXXX XXXX at XXXX est saying that the account was resolved. it is absolutely inexcusable the unnecessary and unwarranted damage they did to my reputation over an obscure federal ruling no one can tell me anything about. and even more unforgiveable that they allowed it to continue, not notifying me that there was an ongoing issue and refusing to return calls. 
I will never do business on any level with this institution again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: GA

Complaint narrative:
On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: PA

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX ( XXXX ), am making this complaint on my free will and accord. No third party is involved in making this record of complaint. 

I XXXX : XXXX, ( XXXX  ), consumer, natural person and original creditor to an open end credit plan for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was harmed by the damage of my credit worthiness with the reporting of inaccurate information in my consumer report by Equifax. Communication was made in the form of a verbal dispute followed by a confirmation in writing of the said dispute of information, confirmation id # ( XXXX ). I am aware as a consumer Equifax is civilly liable to me for the damages caused by the inaccurate information placed on the report pursuant to 15 USC 1681n up to { {$14000.00} }, and I expect them to compensate me for said damages as they have personally given confirmation of the damages via the ID number for the removal of inaccurate information. Id # ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: CA

Complaint narrative:
Equifax is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. XXXX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. EQUIFAX has not done their job in verifying this information. I've contacted them numerous times over the phone as well as XXXX. The account is in good standing. EQUIFAX has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both XXXX & EQUIFAX to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: GA

Complaint narrative:
On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-17 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: GA

Complaint narrative:
On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: IL

Complaint narrative:
XXXX  is refusing to refund escrow funds for loan # XXXX This was paid off in XXXX They said they transferred the loan to XXXX XXXX on XX/XX/XXXX but XXXX XXXX has no record of the loan, which makes sense because the balance was zero to begin with. 

I need {$5600.00} refunded in escrow which XXXX  is withholding or misplaced XXXX XXXX is not in possession of my escrow funds either. I was also given a bogus loan number of XXXX XXXX XXXX has no record of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. AMEX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. XXXX has not done their job in verifying this information. I've contacted them numerous times over the phone as well as AMEX. The account is in good standing. XXXX has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both AMEX & XXXX to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried creating a dispute about an extra charge at a hotel for a service that I had already paid for and the dispute representative for Chase refused to open a dispute because she said it would costs Chase money to open that dispute and they would prefer to just not open it on their end and rather claim there is no dispute. 

The process of dispute resolutions at Chase is a joke and nothing like the process at XXXX or XXXX or any other bank which at least makes a good faith effort to resolve the issue. The process has been outsourced to the XXXX with a mandate to create as few disputes as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
From 2005 forward I incurred student loan through XXXX University. When you are recruited you are told of all the jobs and career options you will have once you obtain your degree. I have yet to secure a job utilizing my degree and have incurred an abundance of student loans. I have been able to get a forbearance but that doesn't help because the balance is still there and my interest is still growing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: TN

Complaint narrative:
I am a victim of identity theft. I received a notice that a debt collector called FRONTLINE ASSET STRATEGIES with an original creditor of XXXX has opened an account in my name. I am not a XXXX customer not have I ever been. I spoke to XXXX today and was told to inform the debt collector that this account was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
unauthorized payments by an unknown person. 

Was unaware of the payments u till now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Dear Ladies and Gentlemen, This memo is being written in hopes the Hard Inquires in questioned on our credit reports will be removed as soon as possible. In XXXX of 2021, myself and my Registered Domestic Partner applied for a loan from Navy Federal Credit Union. We are both members and felt this entity would give us the best rates. We paid for a credit report and found out later ( about a month ), the credit report was done twice XXXX XXXX and XXXX XXXX. The loan agent that we were dealing with via email never responded to our questions regarding the second hard inquiry placed on our credit report, nor were we getting any responses from the loan officer regarding the status of the loan. In late XXXX of 2021, we went to a nearby branch and complained that we had not heard from the loan officer and had concerns regarding the hard inquires placed on our credit reports. The Manager at the XXXX XXXX branch informed us that Navy Federal Credit Union no longer had Mortgage lenders inside of the branches, and she would take our complaints to the loan officer 's Supervisor, and someone would contact us as soon as possible. It was two weeks before we received a call from ( XXXX XXXX ) Supervisor ( XXXX XXXX ). XXXX XXXX apologized and stated they were super busy, and that the second inquiry was a mistake and she would have the entry masked. " The entry has not been masked ''. 
Although, they both started requiring more information from us, we never spoke with either one of them over the phone, all of our correspondences were via email only. The first extra entry dated XXXX XXXX remained and I started calling and emailing with no response until I contacted XXXX and started disputing the entries. There are now four extra entries dated XXXX XXXX, XXXX XXXX, and XXXX XXXX. We only authorized the XXXX XXXX inquiry. The others were done without authorization, and they never explained why they were doing these extra inquires without explanation or approval. Once, I started calling XXXX and disputing the hard inquires the Manager ( XXXX XXXX ) started emailing me and denying that the inquiries were made by her or the loan officer. When disputed through XXXX the company simply stated the inquiries are a factual record of file access and will remain on the XXXX credit file for two years from the reported date of inquiry. Please help us to resolve this matter. They were not given authorization to make more than one inquiry into our credit profiles. Thank you so much for your time and patience. 

XXXX & XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XXXX XXXX, 2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, Equifax, XXXX, and the company itself, but no one has responded. On XXXX XXXX, 2022, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: CA

Complaint narrative:
CoreLogic Credco is not abiding by the permissible provision of the Fair Credit Reporting Act. CoreLogic Credco hard inquiry does not demonstrate Factual Data pursuant to the act CoreLogic Credco XXXX XXXX XXXX XXXX XXXX XXXX, CA 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