vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing this complaint because EQUIFAX, XXXX, and XXXX XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been on auto pay with MacyXXXX XXXX  XXXX card for about a year now however when my payment came up due on XXXX XX/XX/2022 The payment did not go through because it said I was not on auto pay. I resolve the issue and they took back the lead charge but it still makes me angry and Im not sure I can trust them any more my credit is superb and I always pay the statement balance every month and all my credit cards which are on auto pay even though its resolved Im still not happy about it and still dont know why Auto pay disappeared from my 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 2022-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was a victim of a XXXX scam in which an individual posing as a Wells Fargo Fraud Claim specialist induced me into sending money to myself through XXXX, in which scammers steal the money during the recirculation process. 

I filed a claim with Wells Fargo, but they denied it. Under Regulation E, Im subject to reimbursement by Wells Fargo but theyre refusing to do so.

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 2022-02-19 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The no show policy was not honored by XXXX and I disputed the purchase. 
Chase has sided with the XXXX and closed the dispute and charged me full amount. 
According to the terms of purchase ( which I am going to attach see circled content ), no show at the hotel would result in only the first day 's charge. But I was charged for all the days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-19 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 recently reviewed my credit report and I noticed you are reporting a violation on my credit report. Please get this matter handle based on my instructions XXXX XXXX Account Number XXXX This Collections is reporting a PAST DUE AMOUNT AND AS A OPEN ACCOUNT and needs to be removed from my credit report. 
A Collection agency should not be reporting a collection account as OPEN OR A PAST DUE BALANCE. I DID NOT OPEN AN ACCOUNT WITH THIS COLLECTION, THEY PURCHASED THE BAD DEBT. THIS IS TWO VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT ALONG WITH THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 
Please provide the written instructions that I, the consumer gave to NAVY FEDERAL CREDIT UNION which has authorized these furnished accounts. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account NAVY FCU XXXX, XXXX, XXXX XXXX XXXX XXXX - XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt-out of credit reporting for this account. If my instruction to opt-out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, Mr. Cooper took over servicing my loan from XXXX XXXX XXXX ( in other words, I did not choose Mr. Cooper ). I received in the mail from Mr. Cooper the " Escrow Review Statement '' which shows a shortage of {$680000.00}. The cause of this is an error by Mr. Cooper which assessed {$18000.00} annual property taxes on my 957 sqft condo when the taxes in XXXX were ~ {$5800.00}. I called the the first week of XXXX and brought the error to the attention of Mr. Cooper customer service person # 1. She indicated that it would be resolved well in advance of XX/XX/XXXX mortgage payment. Yesterday, XX/XX/XXXX, I received a notice from the town that my property taxes are delinquent and started assessing interest on the amount. I called Mr. Cooper customer service # 2. The first issue of the over assessed taxes is not resolved and now I have Mr. Cooper addressing why my property taxes have not been paid. I was promised a call back from Mr. Cooper 's tax group, this morning at XXXX, XX/XX/XXXX. No one called back so I called Mr. Cooper customer service # 3 to request that these errors be addressed with urgency. The best that # 3 could offer is a resolution date of XX/XX/XXXX and that I need to pay the excess interest into escrow to avoid penalties and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXt # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCSPLUS INCORPORATED
State: PA

Complaint narrative:
I have paid the debt through money order on the specified account to the address provided by the debt collection company XX/XX/XXXX. They continued to send collections. I emailed collections company notifing them of payment and also the orignial comoany which I owed the debt. I received another collections letter on XX/XX/XXXX The company is NCSPlus Incorporated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was affected by the COVID National emergency, and my credit score got down, now Citibank closed my XXXX XXXX XXXX that I usually use to buy the food and other expenses. I never was late on this credit card and already settled the late credit cards affected.They told me that will reopen account and now they informed that they will not reopen the card. The misleading all the information provided and I need the Credit Card.

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 2022-02-19 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: CA

Complaint narrative:
XX/XX/2015 auto loan from XXXX XXXX car was repossessed and has been on my credit report for 7+ years and account was closed and my payments were always on time after me loosing my job then Covid 19 happend not to far after messed me up financially

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 2022-02-19 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: CA

Complaint narrative:
XX/XX/2015 auto loan from XXXX XXXX car was repossessed and has been on my credit report for 7+ years and account was closed and my payments were always on time after me loosing my job then Covid 19 happend not to far after messed me up financially

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: CA

Complaint narrative:
XX/XX/2015 auto loan from XXXX XXXX car was repossessed and has been on my credit report for XXXX years and account was closed and my payments were always on time after me loosing my job then XXXX XXXX happend not to far after messed me up financially

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 2022-02-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2021 {$5000.00} was removed from my account by an unknown person. I had noticed a few days later that someone hacked into my online banking and changed my contact information. I immediately changed everything back and changed my password, then noticed the bank and was given the phone number for the Fifth Third Dispute Department. I filed a claim and was denied being told that I was the one who put the money into a XXXX XXXX account. I explained the situation and the bank is continuing to say I did this after four disputes. I have been fighting to get my money back for almost 7 months now. I have been told that my identity was verified by a text message but I can not get the phone number that was used. I have tried getting a number for the investigator from the bank and I was told that I can not speak to said person. I have also called XXXX XXXX and they do not have me in their system. I am a student paying for classes out of pocket and the money that was stolen was to pay for my classes. I dont know what else to do at this point. No one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2022 I was scammed out of {$2000.00} from an individual impersonting themselves as a WELLS FARGO representative. The individual convinced me that via text that someone from XXXX XXXX XXXX was trying to take money from my account through the Wells Fargo XXXX XXXX transfer. This individual claimed he was from the Wells Fargo fraud department and that he was assisting me with what to do in order to prevent the transaction from taking place. This fake impersonator reassured me that this was okay to do in order to stop the fraudulent transaction from taking place. This impersanator had me to reset my XXXX account to act as if I was sending the funds via XXXX XXXXXXXX XXXX to my self. I have a full report attached. I submitted a fraud claim to WELLS FARGO and they denied it because they felt the transaction was processed accordingly. They have since revoked the provisional funds that they returned to me and have forwarded me to another Non-Fraud VOS Department Claims Department. When you speak to a customer service rep. they are not familiar with your case in which everytime I contact Wells Fargo and speak with someone in a department they are clueless and have forwarded me to another department that can give me no assistance. How can Wells Fargo help me If I have not been able to even submit a report of the details of my situation. I am trying to get my {$2000.00} back because this transaction was a scam through WELLS FARGO 's XXXX XXXX services. Any assistance would be appreciated.

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