vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively impacting my XXXX XXXX. The following accounts have been reported as delinquent or charged off, but I do not believe that I am responsible for them : First, the collection account from XXXX XXXX XXXX XXXX for XXXX. I have no recollection of ever having done business with this company and do not believe I owe them any money. 

Second, the collection account from XXXX XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX or XXXX XXXX XXXX regarding this debt. 

Third, the collection account from XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXXXXXX XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX XXXXXXXX XXXX or XXXX XXXX regarding this debt. 

Fourth, the charge off account from XXXX Bank for XXXX. I dispute this account as I have no memory of opening an account with XXXX Bank or receiving any communication from them regarding this account. 

Fifth, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Sixth, the charge off account from XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX  or receiving any communication from them regarding this account. 

Seventh, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Eighth, the charge off account from XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXXXXXX or receiving any communication from them regarding this account. 

Finally, the charge off account from XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

I believe that these items are inaccurate and are causing undue harm to my XXXX XXXX. As such, I request that you investigate these items and remove them from my credit report if you find them to be erroneous. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
NewRez purchased my loan from a company that purchased my loan previous. The company before Newrez went bankrupt. I got a welcome letter stating that I owed New Rez money. I called and asked for my account information to get logged in and paid. I was told that they couldn't find an account with my information only a welcome letter. I was given a login eventually to pay but no account or loan number was linked to it. I paid this company and every month I called in requesting for any sort of documentation with my loan information or something that shows I owe them money. They responded every time with " we have all this and we will mail it to within the next XXXX days ''. this continued for over a year and half. I then hired an attorney to represent me and they are still unable to give me paperwork for the property. I have spent thousands of dollars and still no answers. They keep threatening to forclose the property and at the same time keep sending me COVID 19 repayment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I initiated a same day transfer on XX/XX/23 at XXXX XXXX from an external bank account XXXX to my Wells Fargo account. As an experienced person in this matter I have completed many successful same day wires from my XXXX account with no issues into my other accounts. After getting the confirmation from Washington that the money was successfully sent and processed, I called Wells Fargo to ask where my funds were. No one could provide an answer, they also insisted there were no incoming wires. I called the XXXX on XX/XX/23 to initiate a trace on the funds. I was informed the money was in-fact received by Wells Fargo with no XXXXC hits or any issues. The XXXX even stated they called Wells Fargo to confirm receipt of the funds. I called Wells Fargo back immediately and informed them of the issue, I even provided a copy of the original trace report outlining all of the details and they now tell me the money is lost and they can not find anything under the federal reference number. 

This is an extremely urgent situation as the money transferred was for a closing cost and now I am left without a home thanks to Wells Fargo.

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 2023-02-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I placed an order through walmart.com and unfortunately never received a merchandise I said inform Walmart that I never received the product and they informed me that it wasnt anything I can do I have time to dispute with capital one bank, and they also have not done with your diligence to help me resolve this claim. I have requested for capital one to submit their proof or findings of me having this product, and I have had no substantial answer from them. As of todays date, they just want me to pay for a product that Im not a possession of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2011 Wells Fargo allowed XXXX income tax to take money out of my Florida checking account in the amount of {$1000.00} then charge me {$100.00} for the transaction. That was my Social Security income. A few months later Wells Fargo notified me that XXXX tried to take another {$400.00} but refused at that time. I would like to know why they felt it was right the first time but not the second time. Also, Wells Fargo has not explained the reason why they felt it was necessary or the right thing to do legally. I would appreciate your getting an answer from them.

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 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
The account listed on my account isn't mine. I have never been with the company they claim I owe. I have disputed this several times and I have gotten nowhere. 

This is the information I pulled from my reports. 

Company- AFNI , INC . 
Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On friday XX/XX/2023 I got a direct deposit from my job. As soon as the money was on my account bank of america took it and applied it to my other account I have with them that was overdrawn. Payments were being made to the overdrawn account. They decided to take all of the money and leave me with nothing to pay rent and utilities. I called them to get the transfer reversed. But they were unwilling to help. I even said that I just needed back what i need to pay rent and the rest could go towards my overdraft. I eventually asked to talk with a manager to see why they wouldn't reverse it. All I got from her was attitude. I never received any phone call or e-mail from them stating that this what they were going to do. They told me they didn't have to call me and let me know what was going on.

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 2023-02-24 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: LEXISNEXIS
State: TX

Complaint narrative:
I have requested for the method of verification and proof on the accounts that were reflecting on my credit report that were incorrect and erroneous but no proof and response provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
LATE PAYMENTS SHOWING XXXX DAYS LATE ON MY CREDIT REPORTS FROM XXXX DURING THE PANDEMIC. I CALLED WELLS FARGO MORTGAGE AND MADE THEM AWARE OF FINANCIAL HARDSHIP DURING THIS TIME DUE TO LOSS OF EMPLOYMENT. I WAS TOLD THAT DUE TO CARES ACT THAT THE PAYMENTS WOULD NOT BE SHOWN AS LATE. THESE ACCOUNTS HAVE ALL BEEN PAID AND THE MORTGAGE WAS SOLD/TRANSFERRED TO XXXX XXXX  SERVICES XX/XX/2021 AND HAS SINCE BEEN SOLD AND THE ACCOUNT CLOSED. PAID IN FULL. I HAVE DISPUTED WITH THE CREDIT BUREAUS AND NO CHANGE HAS BEEN MADE AND IS STOPPING ME FROM OBTAINING A NEW MORTGAGE LOAN. PLEASE CORRECT THE INNACURATE INFORMATION TO THE XXXX CREDIT BUREAUS BY REMOVING THE LATE PAYMENTS AND UPDATING TO PAID ON TIME.

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 2023-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: OH

Complaint narrative:
I paid off the entire amount owed on the personal loan which was {$700.00} us dollars on approximately XX/XX/2022. Upgrade is stating that they never received the payment, they only received the {$300.00} payment toward my credit card account. Upgrade has now charged off the account as unpaid with an amount that is inaccurate ( not sure of total amount ). I have contacted Upgrade several times trying to resolve the issue and even spoke with a manager, sent a copy of my bank statement showing the amount and date the payment was made. The issue has yet to be resolved and they have sent petters in the mail and via email stating that I owe money and that my loan account has been charged off.The payment is page 5 of the screenshot l, line item number 2. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo repossessed my vehicle in XX/XX/2022. I had paid months in advance and had a credit of over XXXX on my account I had lost my job and asked them could they apply the credit towards payments until I start working again. Initially they said okay and a month later I was told they could not apply the credit. And they took my vehicle. I was like XXXX months behind at the time when I asked for the credit to be applied to my car note. My note was {$490.00} and I made several payments of XXXX and was continuing to make monthly payments in addition to this. Wells Fargo is currently being sued for what they did to customers and I think I qualify to get paid from the judgment

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 2023-02-24 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: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XXXX of 2022, I was approached and approved for a XXXX XXXX XXXX XXXX XXXX via XXXX XXXX. a Day or 2 Later, I saw on the News where this Same Company went Bankrupt and Left Customers holding the Bag. I immediately Called my points of contact only to find that all numbers had been disconnected. The News had provided an online link for Customers of this company. I found the link and it's Contacts to IMMEDIATELY CALL and CANCEL EVERYTHING Pertaining to them. I was given a series of emails & phone numbers from which to Submit an Affidavit of what happened, of which I submitted both via email, and regular mail. No Money, or Services, OR Goods were Ever Rendered, as they went bankrupt the Very next day. Needless to say, this Outstanding Debt appeared in all 3 of my Credit Reports of which I Contested all 3, yet their investigations Stood. I have literally been going back and forth with this Company for 6 Months, making Probably close to a Hundred Calls over 6 Months, Numerous Emails & Everything, Only to be Passed around and told the Same thing. " ive taken notes and forwarded your concern and someone will get back to you '' Nobody has gotten back to me, and the Matter is STILL being Reported to all 3 Credit Bureau 's as an OUTSTANDING DEBT of {$17000.00} by ENERBANK USA which NO DOUBT has Affected both my Credit Score AND my ability to get a good rate on a Loan or credit card. I've Contested the matter TWICE with XXXX sending them COPIES of the Affidavit and THEY STILL have not Removed this FALSELY Reported Debt.

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 2023-02-24 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: MA

Complaint narrative:
I DISPUTE THIS SITUATION MORE THE 5 TIMES THEY RESPOND ARE YOUR ACCOUNT IS BEEN VERIFIED AND UPDATE BUT WHEN I CHECKED EVERYTHING REMAIN THE SAME

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 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
In XXXX moved from XXXX fl due to divorce. I. systems listed it on my credit report when all bills to be paid by ex. I called them, XXXX had no record, IC had no validation and I disputed. They sold the debt so now instead of falling off on XXXX, they sold it again and date opened shows XXXX. I have called multiple times for proof of debt, charges etc and they have said they assumed debt and have nothing on file. They have shut me down at every turn. They are acting against Fair Debt Collection, purposefully fighting the wrong party and trying to harass me by dragging out date account opened ( XXXX only date I first noticed, now XXXX ). I want it removed. My credit is perfect except for them. Please help me. Im at wits end.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America is not properly assisting with a recent dispute for a purchase of products and services paid thru 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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Two problems. The first is that the funds are being miss managed. There will be money missing with no accountability for where it has gone. I can check my growth, reserve, and spending with no evidence of where the money has gone. I legit took all my money out of this bank and went over to XXXX. It has been about 2 years of this nonsense. 

The second is that I have an important dispute that is going nowhere. I made a purchase and submitted a better business bureau complaint and FDIC complaint and even return the product with no refund in sight from the company. The company is horrible at managing disputes all these months later from prior disputes. I am not sure why I am reaching out over the same issues and concerns. When will the problem be resolved? 

I have removed my money to a safer bank and hope these final issues can be handled so I can close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
Hey I was calling checking in with the company I even started a new seasonal job to help cover my payments but they where extremely high. I dont even understand where high interest fees come from I feel they do it just so they have your automobile aint noway one day you owe one amount then the next day its an extra XXXX on the payment thats ridiculous. I feel its wrong & its really just too easy for them to get your property I got behind XXXX payment & after that I was grass I woke up to start my job one morning the vehicle was gone I been down every since because I dont get tax money at all that just crazy I feel like some should be done about title max places or they should at least give you money back if they take your car from you its sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I was on credit karma seen that I was pre approved for credit cards and signed and got denied even though it clearly said I had n excellent chance on getting the cards it happen for several cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Fidelity Services, LLC
State: UT

Complaint narrative:
Sure, I can help you rephrase your complaint for the CFPB. Here 's a possible rewrite : I received an unsolicited text message this morning from a debt collection agency, Midwest Fidelity Services , LLC, which is in violation of both XXXX 's Forbidden Message Categories for SMS and XXXX in the XXXX and XXXX and the law against unsolicited text messages. The message was sent from the XXXX number XXXX and stated, " This is Midwest Fidelity Services , LLC please contact one of our reps at XXXX https : XXXX https : //mfseportal.com/knowurrights STOP to STOP ''. 

I did not provide prior consent or opt in to receive such messages. As a consumer, I am concerned about the security of my personal information and the potential harm that can result from fraudulent debt collection attempts. Therefore, I would like to file a complaint and bring this matter to your attention. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Hello I am a victim of identity theft. Someone opened an account with my name without permission. XXXX XXXX is reporting incorrect information on my file. I included this information as a debt on my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: TX

Complaint narrative:
My identity has been stolen dating back to 2014 Someone uses applies and has obtained credit in my name with out my consent.

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 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Title Clearing, Inc.
State: FL

Complaint narrative:
GREEN TREE FACILITATED FICTITIOUS LOANS WITH TITLE THEFT TAMPERING AND THIS WAS DENIED WITH COMPANION COMPLAINTS FILED. 

DITECH FINANCIAL LLCXXXX GREEN TREE SERVICES LLC WHOSE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ARIZONA XXXX DID TRANSFER TITLE UNDER FICTITIOUS LOANS SCHEMES TO NEW RESIDENTIAL MORTGAGE LLC WHOSE ADDRESS IS XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  NY XXXX WITHOUT ANY PERMISSION, ANY AUTHORITY OR ANY KNOWLEDGE. 

I AM SOLE PROPERTY OWNER AND GREEN TREE AUTHORED, ENDORSED AND PREPARED FICTITIOUS PROPERTY LOANS WITH US BANKS FOR OVER THE AMOUNT OF {$300000.00} AND MOST LIKELY MORE FICTITIOUS LOANS.

Company response to consumer: Closed with explanation