vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: VA

Complaint narrative:
I was approved for unemployment and given a number to call Way to Go card services to check on when my card was mailed out. Upon calling I was told that it was mailed on XXXX, and to give it a couple of days especially due to the holiday and I obliged.On XX/XX/XXXX, I called back and was told to give it another day or so. I called back on XX/XX/XXXX after the mail had run and was told to give it a few more days and again I obliged, XX/XX/XXXX, I called again because I still had not recieved a card they said it may come on tomorrow ( XX/XX/XXXX ) and it didnt. When I called back on Sunday XX/XX/XXXX to let them know it still hsd not come the person told me that they would order me a new card and I should {$20.00} fee, and I did not find out about a {$20.00} fee until after activating my card I found that the balance was less {$20.00} upon which time I called the company after checking my unemployment claim to find out how much was deposited. Per conversation on last night, XX/XX/XXXX, I was told that I would not get my money back and that was that because it was expedited, which I never requested.I requested someone else to speak to in rference to my concern and was given a supervisor, XXXX, who said that I wasnt getting my money and there was no one else that I could speak to and I refuse to believe that consumers can just be taken advantage of as such.XXXX would not give me a phone number, email address or his superior. 

I never agreed to anyone taking any money off of my card especially during these times and more importantly is that I never received an original card from the beginning and still have not seen that card that was suppose to have been sent out to me.I am definitely not pleased and feel that this is taking money just because they say so and they can. I want and need my $ XXXX.I wonder how many more people this has happened to?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: WY

Complaint narrative:
Contacted online support to request an Extended Payment Plan. When approved for payment plan, agent representative failed to disclose that payment had already been sent for processing ( a day before due date ). Agent and company approved my payment plan & I signed documents, for first payment due on XX/XX/XXXX. However on morning of XX/XX/XXXX, full payment amount was taken out. I contacted the company and they apologized for the inconvenience but said that there was nothing they could do. I immediately contacted my financial institution and requested an unauthorized charge claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: NJ

Complaint narrative:
I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the error have been highlighted. Here as follow is item in error : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of 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 2021-01-22 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: NJ

Complaint narrative:
I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the error have been highlighted. Here as follow is item in error : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a letter to XXXX, XXXX, and TransUnion on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. XXXX, TransUnion, and XXXX  are not complying with their own policies in a timely manner. Also address and name should be updated only to XXXX XXXX XXXX ( always confirming middle intial ) XXXX XXXX XXXX. XXXX, NJ 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 2021-01-22 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: NJ

Complaint narrative:
I sent a letter to XXXX, Equifax, and XXXX  on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner. Also address and name should be updated only to XXXX XXXX XXXX ( always confirming middle intial ) XXXX XXXX XXXX. XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. XXXX, XXXX, and Experian are not complying with their own policies in a timely manner. Also address and name should be updated only to XXXX XXXX XXXX ( always confirming middle intial ) XXXX XXXX XXXX. XXXX, NJ 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 2021-01-22 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: TX

Complaint narrative:
I received the attached from Transunion today. More form letters, passing the buck, and words that dont mean anything. It is simple for those that care. I expect Transunion to live up to their word and follow the requirements of the Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item This does not mean to shuffle paper, pass the buck, and feel like they have done their job. I received the attached because I made a complaint against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX allowed a car to be fraudulently purchased in my name. XXXX XXXX did not have permissible permission to access my private information / credit report which then led to a fraudulent and forged loan. XXXX XXXX denies wrongfully denies the forgery but can not deny permissible permission that led to the fraudulent loan. XXXX XXXX refuses to submit the valid permissible permission together with the dated credit report as evidence of permissible permission. It is that simple. XXXX XXXX refuses while Transunion then requests XXXX XXXX to validate the information. So nothing gets done and the FCRA does not prevail. XXXX XXXX is dodging, Transunion is shuffling paper while sitting in a cubicle pushing buttons, and I have been dealing with this for 4 years. The other loan ( Together XXXX XXXX ) for the other car that was purchased fraudulently at the same time has been dropped LONG AGO. They are a more professional and educated company. This complaint is directed towards Transunion. If Transunion sends this complaint to XXXX XXXX to hear their programmed response, I will complain again and again and the FCRA requirements will never prevail. I am asking the person at Transunion that is reading this to request the permissible permission and credit report from XXXX XXXX and then review the accuracy and completeness of any disputed item ( FCRA ). I am copying XXXX XXXX but they will simply delete by labeling duplicate when they have yet to address one request and complaint.

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 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
I was informed when I called the insurance agent that my homeowners policy had been canceled due to nonpayment. 
I had carried the same insurance since XXXX. My escrow is handled by the mortgage company. 
Not only do I not have my homeowners policy but no hazard insurance was placed during the lapse. 

My mortgage company in loancare acct # XXXX XXXX I am trying to get an insurance policy in place, the mortgage servicer refused to assist and did not inform me there is currently no coverage when I spoke to XXXX in the insurance dept last night. He stated it was all up to me. I placed a call to my former issuing agent XXXX XXXX XXXX Maine XXXX and they will get back to me. XXXX XXXX will not reinstate me due to cancelation for non payment ( by mortgage company. 
How can I protect myself?

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 2021-01-22 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: GA

Complaint narrative:
XXXX XXXX made APPT @ WELLS FARGO XXXX, GA, reason for the APPT to pay off my Personal Platinum card & Pay-Off and close my BUSINESS DEBIT I paid OFF both XXXX, I also ask the Bank Associate- to SHRED the CREDIT. 

XXXX I received a alert on XXXX XXXX, that my Information was sold on the Dark web, 2 different times in XXXX. I notified each of credit card company of my concerns as well as my personal & business accounts I was told to reset my password On XX/XX/2020, I was sent a alert stating my CREDIT SCORE dropped 41 points due to WELLS FARGO PAYMENT 30 days late, I reached out WELL FARGO, escalates the call to XXXX XXXX XXXX XXXX @ XXXX XXXX took the complaint, ,advise that I go back to the WELLS FARGO XXXX I closed the ACCT, an share with then that 1. The Card was NEVER CLOSED, PAYMENT was made on the BUSINESS ACCT, No post on the Platinum ACCT. 
I then called the XXXX police department an notified the Police Department that my personal details was compromised @ XXXX location 2. my ACCT was never closed,3. And another CREDIT CARD was ordered in my name! 
Ending in Number XXXX, That I NEVER AUTHORIZED Ive literally had to CALL OVER 43x, to follow up with the WF EXECUTIVE OFFICE, an they were suppose to Notify the CREDIT BUREAS of the Mayhem they have caused me, I was given 6 different CASE SPECIALIST to rectify, this Issue Only 2 followed Up [ XXXX XXXX XXXX in XXXX XXXX, IA ] I was told that my information would be updated. letter to All XXXX bureaus were Supposed to be Notified so my Credit Score will be updated. 
As Of XXXX XXXX, my Score has dropped 65 points, an is crippling me from receiving Any resolution for my Business Credit, as Well as my Personal credit. 
I can not believe these BIG BANKS, can get away with this type of malice ruining consumers lives

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 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I wrote a letter asking for information that I am entitled to and disputing an account they are reporting. I asked them for a list of things, and what they sent hardly fulfilled the request. As per the FDCPA and FCRA I am entitled to certain information a list of what I requested is as follows : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; ( itemized Bill of Particulars ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( original contract ) Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent as you can see with the attached information, they only fulfilled a very small portion of what was asked of them! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, There is an account showing as an authorized user. I am not an authorized user on this account. This is invalid & inaccurate. I demand this account to be removed from the credit report so only accurate and valid information is showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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: TX

Complaint narrative:
Please find my complaint against XXXX XXXX. I have never opened an account with XXXX XXXX and despite their response to the CFPB, although I have contacted them, they have never provided information to XXXX  required under Section 609, 611 FCRA. XXXX XXXX is required to provide the nature of their investigation into my complaint or dispute, XXXX XXXX has failed to do so. To simply refer me to customer service does not comply with Section 609, 611 FCRA. Whether or not the identity process passed their test is irrelevant because XXXX XXXX is required to provide specific proof of the time and date of the person who opened the account with them, my authorization to pull my credit report and any and all contracts or agreements bearing my signature and my authority to enter into the contract. 

Please be clear, as of this complaint, XXXX XXXX has failed to comply with Section 609, 611 FCRA or provide ANY documentation to support the alleged debt and derogatory report XXXX XXXX is supplying to XXXX, XXXX and Transunion with regard to XXXX XXXX XXXX XXXX XXXX, I did not OPEN an account with XXXX XXXX and they are required to prove I opened an account with them or they just remove the report. XXXX XXXX has failed to comply with Section 609, 611 FCRA and I file this complaint in reference to these statutes. I am also attaching copies of the statutes.

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 2021-01-22 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: TX

Complaint narrative:
Please find my complaint against XXXX XXXX. I have never opened an account with XXXX XXXX and despite their response to the CFPB, although I have contacted them, they have never provided information to XXXX required under Section 609, 611 FCRA. XXXX XXXX is required to provide the nature of their investigation into my complaint or dispute, XXXX XXXX has failed to do so. To simply refer me to customer service does not comply with Section 609, 611 FCRA. Whether or not the identity process passed their test is irrelevant because XXXX XXXX is required to provide specific proof of the time and date of the person who opened the account with them, my authorization to pull my credit report and any and all contracts or agreements bearing my signature and my authority to enter into the contract. 

Please be clear, as of this complaint, XXXX XXXX has failed to comply with Section 609, 611 FCRA or provide ANY documentation to support the alleged debt and derogatory report XXXX XXXX is supplying to Experian, Equifax and Transunion with regard to XXXX XXXX XXXX XXXX XXXX, I did not OPEN an account with XXXX XXXX and they are required to prove I opened an account with them or they just remove the report. XXXX XXXX has failed to comply with Section 609, 611 FCRA and I file this complaint in reference to these statutes. I am also attaching copies of the statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Services Group, LLC.
State: DE

Complaint narrative:
I previously lived at a residence where I had XXXX XXXX as the electric company. Due to a divorce, I moved out of the residence and moved to another residence. My ex spouse was awarded sole and exclusive of the house that included paying the utility bills. I received notice at my new residence that she did not pay the monthly bill and service was going to be turned off until the balance was paid. I contacted XXXX XXXX, explained to them I was no longer in the property and bills should be going to her ; not me. They would not allow me to take my name off the account due the past due balance. At some point, with my personal information and not any knowledge or authority, my ex contacted XXXX XXXX  to set up billing arrangements. In XX/XX/2019 the house was sold and my ex moved to another property. It was not until I was received the first collection notice did I know she did not pay the final bill when she moved from the property. I disputed this account with the collection company and it was found to be in my favor, that I did not owe the balance so it was removed from my credit. Months later i received a second collection notice from a different collection company for the same unpaid balance in my name. I disputed once again ; I was told the balance was not my problem and that it would be removed. Now a third time from the same second company again ; I am told i owe the balance. I have supported documentation stating I was not living in the property and that she had exclusive use of the home. I also have proof that the collection account was removed from my credit report the first time. I do not feel I should be liable for this balance as one ) is not mine ; two ) XXXX XXXX  would not allow me to remove my name from the account ; three ) XXXX XXXX  allowed use of my account for payment arrangements to someone who falsely used my information ; four ) I was already informed twice that this balance should not be my responsibility

Company response to consumer: Untimely response
Consumer complaint received 2021-01-22 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: Happy Money, Inc.
State: CA

Complaint narrative:
A substantial payment was made on my Payoff account in the month of XXXX leaving a balance of less than XXXX on the account. Subsequently, I made a phone payment in XXXX meant to pay the account in full. This payment was to have been processed as if XXXX. Although the funds were deducted from my account, Payoff failed to post the funds to my loan. I called payoff regularly to follow up in this issue and have them correct their mistake. Although people I talked to acknowledged that there was an issue on the account, nobody was able to provide a hard time line for a resolution. Throughout this process, I was assured that my account was in good standing and that they would not be reporting my account as past due. 

Ultimately, it took payoff more than 39 days to fix their mistake. 

On XX/XX/21 I received notification through my credit monitoring subscriptions that I was reported 30 days late resulting in significant drops of my credit score. This is in the midst of looking to refinance existing debt to reduce my monthly expenses. 

Payoff failed to post funds timely, failed to correct their issue timely, and failed to protect me from negative impact they caused. 

I need to have this corrected immediately and to receive a confirmation of the correction both via email and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received my 2 stimulus payments and everyone that had it sent directly from irs is getting a temporary credit for them. I cant help that mine went to my tax preparer first but you can plainly see that it is a government payment. It says that right beside it. I also spoke to 2 supervisors that told me that they were filling out forms and that my money would be available in 2 business days. Im a single mother with XXXX children. I had told my landlord that it would be 2 days and I call back to check and the story has changed about having to be directly from irs. I really need this money. Please

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