vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I made my first mortgage payment of {$3300.00} to the account provided by my lender at XXXX XXXX XXXX. Shortly after, I received a letter informing me that future payments should be directed to XXXX XXXX with a new account number. Subsequently, I was informed by my bank, Wells Fargo, that the account at XXXX XXXX XXXXXXXX had been closed and the payment could not be processed. Ccopy of the documents attached ). 
Despite opening a claim with Wells Fargo on XX/XX/year>, the process is taking longer than expected, causing considerable concern and stress. Wells Fargo initially indicated that the issue would be resolved within 5-10 days, but I have now been informed it could take up to a month to retrieve the funds.

To expedite the resolution of this matter, I kindly request your assistance. Attached to this letter are copies of the following documents : 1. The letter from my lender instructing me to make payments to XXXX XXXX XXXX 
2. Emails from Wells Fargo indicating the account closure and details of the claim.

Please provide any documentation or support that may help facilitate the claim with Wells Fargo and confirm the status of my mortgage payment. Additionally, I would appreciate your guidance on any steps I should take to ensure that my mortgage account remains in good standing during this period.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Around XXXX XXXX, 2023, I reached out to my then loan servicer, XXXX XXXX, seeking relief. My XXXX  finalized on XXXX XXXX, 2023, and I was at risk of falling behind on mortgage payments. Initially, XXXX XXXX  approved a XXXX  plan over the phone and informed me that a plan details would be received in the mail. Instead, I received an invitation to apply for mortgage relief around XXXX XXXX, 2023. I promptly called XXXX XXXX  requesting an explanation. They denied ever approving a XXXX, told me I was not eligible, and that I can apply for relief on their website. I applied on the website that night, to include all required documents. I also sent all required documents to the email address on the application form. 


XXXX denied receiving all required documents in its entirety and my application for relief was placed in a " review '' status. I called to ask what documents I failed to send them, and they simply stated " other documents ''. I again sent them already submitted documents via email and through their online portal. During this time I kept the monthly payments in reserve while I struggled to meet my other obligations from my XXXX XXXX XXXX. Each week I called to check on the status of my application and to learn about the ramifications of missing payments while my application was pending. 

XXXX informed me that no negative reporting would occur until XXXX  days past due. Shortly before the XXXX  day mark I called XXXX again to inquire about the status of my relief application. The status was still under review. I logged into the website to settle the outstanding balance, but I was blocked from making any payments. I called XXXX to make a payment over the phone, but was told that I am blocked from making payments. A representative went so far as to tell me to not make any payments as that would negate the need for the relief I was seeking. 

After XXXX  days, XXXX sold my mortgage to another loan servicer, XXXX XXXX, and approved " relief '' with terms nearly double my current schedule. I applied for short term payment deferment, as offered on XXXX 's application. I was instead offered an untenable loan adjustment after XXXX destroyed my credit.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Around XXXX XXXX, 2023, I reached out to my then loan servicer, XXXX XXXX, seeking relief. My XXXX  finalized on XXXX XXXX, 2023, and I was at risk of falling behind on mortgage payments. Initially, XXXX XXXX  approved a XXXX  plan over the phone and informed me that a plan details would be received in the mail. Instead, I received an invitation to apply for mortgage relief around XXXX XXXX, 2023. I promptly called XXXX XXXX  requesting an explanation. They denied ever approving a XXXX, told me I was not eligible, and that I can apply for relief on their website. I applied on the website that night, to include all required documents. I also sent all required documents to the email address on the application form. 


XXXX denied receiving all required documents in its entirety and my application for relief was placed in a " review '' status. I called to ask what documents I failed to send them, and they simply stated " other documents ''. I again sent them already submitted documents via email and through their online portal. During this time I kept the monthly payments in reserve while I struggled to meet my other obligations from my XXXX XXXX XXXX. Each week I called to check on the status of my application and to learn about the ramifications of missing payments while my application was pending. 

XXXX informed me that no negative reporting would occur until XXXX  days past due. Shortly before the XXXX  day mark I called XXXX again to inquire about the status of my relief application. The status was still under review. I logged into the website to settle the outstanding balance, but I was blocked from making any payments. I called XXXX to make a payment over the phone, but was told that I am blocked from making payments. A representative went so far as to tell me to not make any payments as that would negate the need for the relief I was seeking. 

After XXXX  days, XXXX sold my mortgage to another loan servicer, XXXX XXXX, and approved " relief '' with terms nearly double my current schedule. I applied for short term payment deferment, as offered on XXXX 's application. I was instead offered an untenable loan adjustment after XXXX destroyed my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Around XXXX XXXX, 2023, I reached out to my then loan servicer, XXXX XXXX, seeking relief. My XXXX finalized on XXXX XXXX, 2023, and I was at risk of falling behind on mortgage payments. Initially, XXXX XXXX  approved a forbearance plan over the phone and informed me that a plan details would be received in the mail. Instead, I received an invitation to apply for mortgage relief around XXXX XXXX, 2023. I promptly called XXXX XXXX  requesting an explanation. They denied ever approving a XXXX, told me I was not eligible, and that I can apply for relief on their website. I applied on the website that night, to include all required documents. I also sent all required documents to the email address on the application form. 


XXXX denied receiving all required documents in its entirety and my application for relief was placed in a " review '' status. I called to ask what documents I failed to send them, and they simply stated " other documents ''. I again sent them already submitted documents via email and through their online portal. During this time I kept the monthly payments in reserve while I struggled to meet my other obligations from my XXXX XXXX XXXX. Each week I called to check on the status of my application and to learn about the ramifications of missing payments while my application was pending. 

XXXX informed me that no negative reporting would occur until XXXX  days past due. Shortly before the XXXX  day mark I called XXXX again to inquire about the status of my relief application. The status was still under review. I logged into the website to settle the outstanding balance, but I was blocked from making any payments. I called XXXX to make a payment over the phone, but was told that I am blocked from making payments. A representative went so far as to tell me to not make any payments as that would negate the need for the relief I was seeking. 

After XXXX  days, XXXX sold my mortgage to another loan servicer, XXXX XXXX, and approved " relief '' with terms nearly double my current schedule. I applied for short term payment deferment, as offered on XXXX 's application. I was instead offered an untenable loan adjustment after XXXX destroyed my credit.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to correct information on my credit report for almost a year now. I wrote all three bureaus and XXXX failed to respond while XXXX XXXX and Equifax disagreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I would like for Equifax XXXX and XXXX to stop sharing my nonpublic personal information. I have already submitted complaints with CFPB for this information being reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I saw these unauthorized inquiries from my credit report and I am disappointed by it since someone made these inquiries without my consent. Please be aware that I've sent documents for those unauthorized inquiries to be removed.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
im a victim of fraud and unknown person keep using my imformation and i keep getting alot of fraudulent inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to file a formal dispute regarding several inaccurate addresses listed on my credit report with the credit bureaus. These addresses are fraudulent, non-deliverable, and violate the Fair Credit Reporting Act ( FCRA ). To ensure my credit report accurately reflects my current address, the following incorrect addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment, Fields 8-13 - Address, Positions 66-104 ). 

I have made previous attempts to resolve this issue directly with the credit bureaus, but the inaccuracies persist. The incorrect information adversely affects my creditworthiness and can lead to issues of misidentification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a formal dispute regarding several inaccurate addresses listed on my credit report with the credit bureaus. These addresses are fraudulent, non-deliverable, and violate the Fair Credit Reporting Act ( FCRA ). To ensure my credit report accurately reflects my current address, the following incorrect addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment, Fields 8-13 - Address, Positions 66-104 ).

I have made previous attempts to resolve this issue directly with the credit bureaus, but the inaccuracies persist. The incorrect information adversely affects my creditworthiness and can lead to issues of misidentification.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am not liable for this debt with charter communications, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA
State: FL

Complaint narrative:
A debt validation letter was dispatched to request evidence or verifiable proof, such as the original consumer contract with the consumer 's signature, for the XXXX accounts listed with varying alleged owed amounts. The agency was given 30 days, as mandated by federal law, to complete their investigation and provide specific details, including the calculation method for the alleged debt, copies of any documents confirming the consumer 's agreement to pay the alleged amount, verification of any judgment if applicable, identification of the original creditor, proof that the statute of limitations has not expired for these accounts, evidence of the agency 's licensing to collect debt in the state of Florida, including their license number and registered agent, and a payment history from the original creditor. Additionally, the consumer requested the name and address of the original creditor and proof of the agency 's ownership or assignment of the alleged debt. Unfortunately, none of this information was provided to the individual. 

Subsequently, a follow-up letter was sent to the credit bureaus on XX/XX/year>, to investigate the alleged claims and dispute them due to the agency 's lack of good faith in failing to provide the requested information. It is concerning that the agency has included information in the credit profile without maintaining reasonable procedures to ensure the accuracy of their credit reporting. The laws governing credit reporting mandate that bureaus only report completely accurate information, and every effort must be made to ensure the accuracy and correctness of reported information. 

A demand was made for the reinvestigation of the accounts and the provision of any form of verifiable proof, such as an original consumer contract with the consumers signature, that the agency had on file for the previously mentioned accounts. The failure to positively verify these accounts significantly impairs the individual 's ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), accounts that can not be verified must be removed. Unfortunately, these accounts remain listed on the individual 's credit reports despite a XXXX and subsequently a XXXX grace period. Additionally, it was requested that all non-account holding inquiries over 30 days old be removed and a promotional suppression be added to the individual 's credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Zelle Operator # XXXX, a XXXX XXXX issued me a case # XXXX. His first instruction was to open my banking app to the Zelle payment function and add an billing agent XXXX XXXX XXXX XXXXXXXX ) an send a code XXXX with memo VOID XXXX, confirmation # XXXX, to also screen shot the payment image to a office community number XXXX. The next protocol was to add billing agent XXXX XXXX ( XXXX ) in the app and send code XXXX with memo XXXX, confirmation # XXXX, also to send screen shot of the payment image to that same XXXX. XXXX then informed me that the original code of XXXX to XXXX XXXX had expired/not submitted timely and that XXXX would now tackle this issue by sending code XXXX with memo XXXX, confirmation # XXXX, with again sending the screenshot to community number XXXX. At this point, XXXX thanked me for my vigilance, that I would be receiving a survey in my email about my experience, that I would be transferred to a Bank Security Officer to file a police report to finalize the incident. XXXX XXXX XXXX went over and discussed with me the prior actions and codes that were issued to verify myself and remedy the situation, he then had me send a code XXXX to agent XXXX XXXX to finalize the incident, that I would be contacted within 24 hours to reassure any and all refunds were performed. I did receive those ( 2 ) calls at XXXX & XXXX the following day but was unable to answer. When home Wednesday evening, I had telephoned my mother who said that she was approached in the same manner, same suspicious transactions ( {$990.00} & {$1300.00} ) and a new bank account in her name with her phone number. She immediately hung up the phone after discussing my experience the day prior. This alerted me to check my account and no funds had been refunded. I contacted XXXX XXXX XXXXXXXX Thursday morning where they verified that I had been scammed. XXXX XXXX was great and issued me case # XXXX. I filed with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX, # XXXX and he has issued me case # XXXX. Sadly through my research that this has been ongoing and an issue that XXXX has been fully aware of ( since XXXX ) and still highly promotes the app as highly secure but with a clause that because I initiated the payments that my funds are unrecoverable. Fraud through Zelle apparently has been mounting tremendously that the issue has made it to Congress where XXXX and the other banks that helped create it warned/instructed to do better. Through my research and conversations that even through my due diligence I was unknowingly a victim by very good imposters who spoofed XXXX XXXX and Zelle phone numbers. They were familiar with the Banking protocols that I had experience previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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