vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/2021 I went to local Wells Fargo ( XXXX, UT ) to open savings account attached to checking acct. After account was opened I deposited a foreign check into that account for the amount of XXXX XXXX. This check was an interim check for a settelment offer from the XXXX Government for XXXX 's XXXX survivors. The branch converted the amount to USD in the amount of {$16000.00}. This amount was posted to account on XXXX, on XXXX I was informed by branch manager that now the check had came back as a stop payment. They informed me that not only an I paying returned check fee of XXXX I now owe XXXX because the conversation had changed, however statement shows XXXX was return payment. I contacted them and customer service could not give any information as to what had happened so I contacted the issuers of the check. XXXX has the undertaking to disburse checks to claimants, they stated that there should be no issue with the payment and the bank in XXXX XXXX XXXX XXXX and perhaps there was a clerical, human or computer error and no stop payment was issued. They ( XXXX  ) stated they would contact Wells Fargo to inform them payment legitimate and to reprocess the payment. I then contacted wells fargo again to inform them that they would be receiving a call from XXXX to verify payment, I was told they would not do anything as they use a third party to deal with international checks and a new check would have to be issued also that they did not remove the fees for this transaction. If wells Fargo neglected to confirm check via wire or contacting bank any issues should fall on them not customer.

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 2021-05-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/XXXX I applied for an online loan with XXXX XXXX  and also a checking account. I was denied and one of the reasons was that the bank was unable to verify my identity. DataX was listed at a reporting agency that gave the bank my info to base their decision. I ordered my report from DataX and all of my personal information was outdated and incorrect. I sent back the dispute letter writing what was incorrect but a few days later I got a letter back stating that they can not fix inquiries. So I called DataX on XX/XX/21 and spoke with a rep. She advised me that I would need to contact the very first lender or bank I ever applied with and have them update my information because dataX can not do it and my information they have on file will be on there for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: MD

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
on XXXX XX/XX/2021, Wells Fargo opened an account with my name even though all 3 credit bureaus credit were frozen years ago. On XXXX XXXX, i contacted Wells Fargo and told them the accounts were opened fraudalently. 

Again on XXXX XXXX Wells Fargo opened another account even though all credit bureau accounts were frozen years ago. On XXXX XXXX I contacted Wells Fargo re account opening illegaly. 

On XXXX XXXX, i contacted Wells Fargo and asked them to make an annotation never to open an account in my name. They said they would make a note of it. 

On XXXX XX/XX/2021, I received notification Wells Fargo again opened accounts in my name online with all the credit bureaus frozen.

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 2021-05-04 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: IL

Complaint narrative:
To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} This agency XXXX XXXX XXXX is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I demand that this account be deleted immediately and I request a free copy of my report after the changes have been made ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I called the company and they said that on their end they do not have my payments late. But for the past 5months experience is saying that I have been making late payments which is not true because it come out of my checking account each month on the same day. Please fix this problem. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity.

IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
My email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Northstar Location Services, LLC
State: IL

Complaint narrative:
To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} This agency Northstar Location Services is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I demand that this account be deleted immediately and I request a free copy of my report after the changes have been made ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX assumed servicing for TIAAs home financing products earlier this year. My 1st lien position HELOC was transferred to them on XXXX XXXX. Since that time, my payments have been misdated, misapplied, and now theres around {$19000.00} unaccounted for. I have reached out to XXXX and TIAA dozens of times for resolution, but sufficient answers have not been provided. TIAA has acknowledged that there are issues with XXXX XXXX of HELOC accounts, but Im just continually asked to be patient. This is the third month of constant problems, and my patience is exhausted. XXXX is violating the terms of my contract with TIAA, and TIAA doesnt seem keen to prevent further injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They took my money but have not responded regarding my loan and will not refund the money

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 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Due to the pandemic, I was able to receive mortgage assistance from the County where I live. I had called ahead to make sure my regular payment would not be withdrawn from my account, as I had auto-pay. The first gentleman I spoke with said that stopping auto-pay would not be necessary, but payment hadnt been received. This was in XX/XX/2021. Well my payment for XXXX was still deducted from my regular bank account. I called to inquire as to why. This was early XXXX. The second associate I spoke with over the phone informed me that the payment had been received, it was enough for 2 payments. One was applied to XXXX payment and the other one to the principal balance. I told her I would prefer if it were to be applied to XXXX. This was not done. I called again, still in early XXXX. That associate told me that the payment towards the principal balance would be reversed and my payments would be caught up until XXXX, however, I did need to stop my auto-pay. Come XXXX, I get a notice stating I owed 2 months worth of payments. 1 for XXXX and now for XXXX. I called to clear this up. I spoke to a supervisor. He said the reversal for the principal payment hadnt been processed because the incorrect amount was entered and there was a remaining balance of {$29.00}. He stated he would correct this and issue was resolved, but BofA  did have until XX/XX/XXXX to process request. He also said the late payment would not be reported due to error being BofAs. Ok ... a 4 days later I contacted customer service to set up my auto-pay once more. They let me know that the account was still in the red by 2 payments because above correction had not been denied due to error. Wrong date was posted on reversed payment. I asked to make a 1 time payment until I was able to set up auto-pay. She stated if I did that, above correction would not be processed and it would have to be done again. Highly recommended I wait until XX/XX/XXXX to make a payment. I am very very very frustrated as I do not want this to reflect negatively on my part. If it werent because I call them, they wouldnt of notified me of their mistakes that affects my mortgage payments!!! On the contrary, Every representative I speak with reassures me that the issue has been resolved!!!!

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 2021-05-04 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: MD

Complaint narrative:
XX/XX/21 Filed a dispute with the credit bureau for an un-verified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 
XX/XX/21 Filed a second dispute with the credit bureau for an unverified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 

I have not received a response from the Bureau. I would like a response as soon as possible as it has been over 30 days and the un-verified continues to tarnish my credit worthiness. It is fraudulent and not 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 2021-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been disputing back and forth with credit reporting agencies in reference to inaccurate information causing damage to my credit profile due to improper reporting causing my score and creditability as a consumer damage. This company has reported SEVERAL ERRORS on my behalf causing me hardship in obtaining credit. I would like for a PROPER INVESTIGATION TO BE COMPLETED ON THE LAST DATE ACTIVE, CREDIT LIMITS AND AMOUNTS DUE, DATES ACCOUNT WAS OPENED AND CLOSED AND A PROPER REASON AS TO WHY I DONT HAVE A FULL REPORTING STATUS FOR EACH MONTH IN WHICH I HAD POSITIVE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted an FTC report XX/XX/2021 to all 3 bureaus stating the account that was listed on my report were the result of identity theft. According to the FCRA pursuant 15 USC 1681 c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer resulting from identity theft. It is XX/XX/2021 and a block has still not been placed.

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 2021-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Utah System of Higher Education
State: AZ

Complaint narrative:
I am a military Veteran who has been in the process of purchasing a home for me and my kids since start of XX/XX/XXXX. After working with loan officer and to get all requested parts of the process completed for Pre Qual we moved forward and then in XX/XX/XXXX Utah Higher learning reported 90 days late. This came as a surprise and cost of a home for me and my family after reaching out to Utah Higher Learning Education and started an investigation on the reason why the loan was reported late and due to the Cares Act loans was prohibited from being reported late during the pandemic at the time until XX/XX/XXXX until the Cares Act was extended into XXXX. I reached out to UHEAA loans department to try and get this reporting removed and this went through first line reps up to a Supervisor which informed this loan wasn't a federal loan at the time I received around XXXX and due to my filing it should have been removed with XXXX bankruptcy. One first line rep suggest I file their forbearance paper which I did and faxed on different occasions which different reps gave me numbers for faxing for review. At the same time I have started the process for XXXX and XXXX XXXX. I call back again at least once a month up to presence with bankruptcy attorney and loan officer and once the process for XXXX process started my status change and being review by XXXX ( Dept of Education ) The UHEAA reps stated they can't go back and update the reporting late error in XX/XX/XXXX and the forbearance request will be denied without review due to TPD processing put me in a pending status. The docs I faxed to UHEAA was denied and I lost on the home and now in a month to month process where me and my kids can end up homeless and due to VA loan process the error is creating an issue to move forward. UHEAA loans dept have not change the error reporting late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
THE ACCOUNTS/LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and XXXX  XXXX. On XX/XX/2021, I mailed XXXX XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
THE ACCOUNTS/LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: AZ

Complaint narrative:
On XX/XX/2021 Rash Curtis & Associates made an inquiry against my credit report without my knowledge. They are a collections agency for a medical company who they represent. We have been in contact with the medical company for over a year now asking for some form of details billing instead of just a line item with a number on it and no amount. RASH CURTIS was never given written or verbal authorization to check my credit ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
First contact with XXXX XXXX XXXX ( XXXX ) in XXXX for moving from XXXX, XXXX  to XXXX XXXX . I agreed the contract Job # XXXX for XXXX on phone. 
The agent from the company Mr. XXXX XXXX asked me my checking account at CHASE bank and charged ( Check No XXXX ) {$600.00}. As per the contract, they moved and I paid the {$600.00} by cash to driver onXX/XX/XXXX during pick-up and rest paid to driver on deliverXX/XX/XXXX After 2-3 weeks, I noticed that the moving company charged an extra {$600.00} to my checking account without my authorization ( check No XXXX ). 

I contacted the XXXX  XXXX XXXX company in XXXX for returning this extra charge. They told, they will return me but have to wait for 30 days as they want to make sure I am not canceling the check. 

I contacted Mr. XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX. and he told me he has forwarded this for approval. I never received the check. 

Finally, he replied to me on XX/XX/XXXX by email, saying he forwarded my check to Mr. XXXX, who is the CEO of this company to sign the check. 

I have not received the check. No reply from Mr. XXXX to my subsequent emails or voice messages. 

I contacted Chase Bank in XXXX and talked to Fraud division, they told me since it has been 50 days, they can not do any thing, my claim rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: College Foundation, Inc.
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company COLLEGE FOUN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation