vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 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: IL

Complaint narrative:
I contacted LexisNexis to have me removed from there system XX/XX/2021. 
I contacted the United States Bankruptcy Court to request a letter as to if they report to LexisNexis and requested a credit report from XXXX, XXXX and XXXX to show that LexisNexis is reporting a bankruptcy and indicating the information was provided by the courts, I requested LexisNexis provide me the source of there information and they will NOT provide the source as requested, they keep asking me to send the same info a DL and current bill, I have sent the attached information 2 times and now to you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi My name is XXXX XXXX On XX/XX/2021 I call capital one to despite idm. Was on my charger I mad that pierces after half hour I call capital one spoke with customer service repainted I talk her please cancel the despite. 
I spoke with the merchant big manager he talk me to sent the merchandise back the will give me my credit back on my account.

Im the mean time capital one never cancel my despite the canteen new. The merchant give me credit on my account and capital one did the same. 
No I tried to talk to capital on to remove the credit from my account the refused to remove it. The are continuing with the despite. Every day I see in my account I have credit of {$34.00} the next day I see credit of {$61.00} the next credit of {$44.00} XXXX owe them {$26.00} the put the totes the {$61.00} from the credit the gave me witch I been tallied them to take the {$61.00} the are refusing to do. That why customer have problems with credit cards. I pay all the amount every month XXXX dont owe the nothing except {$26.00} the put that towards the {$61.00} so next month the will asked me to pay them {$61.00}. 
Capital one is the worst bank XXXX ever delta with the thrive and if you not smart enough the will destroy your life. 

Thanks you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX {$640.00} XXXX XXXX {$4200.00}

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 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I originally filed a claim with Wells Fargo on XX/XX/21 to report a case of fraud/scam and blackmail. 

In this case, which happened on the evening of XX/XX/21, the perpetrator obtained what could be deemed as defamatory material and threatened to use that information as leverage against me and to send other things to employers and family unless I were to pay a certain amount. They made me use XXXX to transfer the funds. I wanted to transfer to leave the immediate situation so that I would have time to file a report with the authorities. I have submitted a report of the situation to the FBI 's XXXX branch for Internet-related crimes. I will attach those documents with some sensitive material removed for privacy 's sake. 

After taking proper steps to alert the authorities, I went to Wells Fargo to hopefully get the transaction reversed, however, I received a very vague statement which seems the claim to refund or reverse the {$500.00} ( one {$200.00} and one {$300.00} ) transfer was denied. I received two forms in the mail stating that Wells Fargo was looking into the matter, dated XX/XX/21, and two follow-up forms dated XX/XX/21. Those are attached for reference as well.

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 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I began the modification process in XX/XX/XXXX when I resumed payments from a COVID forbearance.seems clear to me that they are trying not to offer the assistance i requested because I went through a personal bankruptcy in XXXX and COVID did not help things. 

I have now submitted 3 separate modification requests, and the first two got closed without any notification on what was missing. This third application has been going on for over 6 months, and i have repeatedly emailed for a status or to see if they are missing anything. I have called several times, but the people on the phone never seem to be able to provide any update or clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I feel as if these accounts are false and advising inaccurate information that are costing me thousands in interest a year. I have foiled complaints with the Federal Trade Commission & XXXX XXXX XXXX, to my knowledge I do not recall any of these accounts. I demand this issue be removed immediately, according to section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days- it had been 50 days and the items should be removed from my report.

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 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: MO

Complaint narrative:
I attempted to contact the company in question, CKS Prime Investments, after seeing them on my credit report. That company then directed me to a second company, Velocity, who stated my account was placed with a third company, XXXX. None of the companies contacted can provide a validity of the debt, state where it came from or what it's from, nor will they provide an option for payment. I attempted disputing the information with the credit bureaus who basically stated XXXX XXXX owns the debt but I have confirmation from a chat that I had with them that they're not the appropriate company. It is a false negative mark on my report and I can not get anyone to remove it despite the fact the debt isn't valid.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was diagnosed with XXXX XXXX in XX/XX/XXXX. After removing the XXXX, and months of determining what the best course of action was for my health, I decided to undergo XXXX. I started my treatment in early XX/XX/XXXX until XXXX ( XXXX I believe ) XXXX. 

I filed for state XXXX insurance. According to the CA XXXX website, via my account, I was informed I would receive my first payment {$2200.00} on early XXXX XXXX and second payment of {$1400.00} mid XX/XX/XXXX. 

I waited but never received my debit card in the mail. It was until around the first few days of XXXX that I saw a news segment on TV where people reported their unemployment and XXXX money had been stolen via fraud. Immediately I that is when I decided to look further and based on my research I was led to call Bank of America. 

It was at this moment that a bank rep informed me that was issued a card and that there were transactions posted. I denied all transactions and made a claim that I never received the card. Then I had to go back and forth with CA state XXXX department and Bank of America to determine who I needed to work with to get my money back. No one gave me an answer until it was determined that I needed to work with Bank of America. 

Fast forward until today, XXXX year later XX/XX/XXXX, I have not used a single penny of those funds and have been getting my claim denied by Bank of America. I have called plenty of times requesting funds to be issued due to personal hardships. I have filed a police report and sent it to them. I have send them documents proving my identification. A social security document and pay stubs to prove my identity. But to no avail. 

Their findings to dismiss my claim seem absurd. They state that the transactions and atm withdrawals are geographically near me. I've been fighting back requesting the footage and evidence of them determine that I made this transactions. They keep telling me that they are sending in a request but I have not received any of this. I do not know what else to do. Please I hope you are able to help resolve this issue. Much 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
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX and I have a serious problem with a bank wire transfer. 
I have dual XXXX  and American citizenship. At the moment I am in XXXX where XX/XX/XXXX I asked my American Bank Wells Fargo, via online banking, for a wire transfer of XXXX dollars to my XXXX  bank account XXXX XXXX account. I received email confirmation from Wellsfargo where everything was ok and being processed in 5 business days Today, XX/XX/XXXX, those money reappeared back on the US account with a lower amount of {$18000.00}, minus {$810.00}. 
In addition to the missing amount, I find myself in XXXX with no money I need to live, and I'm afraid to make another transfer because the same thing could happen. I contacted Wellsfargo bank customer service and they tell me that there is a third bank in XXXX that has blocked this wire transfer for reasons they don't know of, and that bank wired the money back with that {$810.00} fee. But they were unable to explain anything else, who the bank is and why that happened. Wellsfargo takes no responsibility. The Italian bank never received anything. What can I do? I need money here to live and I have no help and no number to call. 
Can you help me somehow? 
My phone number is XXXX and my email XXXX My name is 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 2021-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This is XX/XX/XXXX. Day 3 of my inability to access my joint account information on line. Marcus Goldman Sachs staff continue to assure me that they will fix the problem and call me back when they do. They do not fix and they do not call. I am unable to view or transact in my account on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I contacted Barclay bank carnival world MasterCard support about not receiving my {$250.00} credit as was advertised during my recent cruise with XXXX XXXX XXXX contacted a agent on XX/XX/XXXX at XXXX AM for resolution. They opened case number XXXX and advised me to give them up to 14 days. I called back to check the status of the case on XX/XX/XXXX at XXXX and was advised the issue was still being investigated. I called back a final time today XX/XX/XXXX and was told that promotion does not exist and I would not be receiving any credit. I have photo evidence of said promotion being targeted to guest during this time. I advised representative that I was looking at the advertisment and was informed nothing could be done other than a complaint about the promotion.

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 2021-12-23 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:
XXXX XXXX BANK HAS XXXX CLOSED, NEGATIVE ACCOUNTS REPORTING ON MY CREDIT REPORT OPENED IN XXXX AND XXXX BOTH ACCOUNTS WERE OPENED FRADULENTLY AND I HAVE CONTACTED THEM FOR XXXXYRS STRAUGHT TO INVESTIGATE AND REMOVE THE FRAUDULENT AND NEGATIVE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: FL

Complaint narrative:
XXXX XXXXXXXX BANK HAS XXXX CLOSED, NEGATIVE ACCOUNTS REPORTING ON MY CREDIT REPORT OPENED IN XXXX AND XXXX BOTH ACCOUNTS WERE OPENED FRADULENTLY AND I HAVE CONTACTED THEM FOR XXXXYRS STRAUGHT TO INVESTIGATE AND REMOVE THE FRAUDULENT AND NEGATIVE 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 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX the loan in dispute was transferred to Nationstar Mortgage from XXXX XXXXXXXX XXXX. In XXXX of XXXX I had gotten a loan modification from XXXX XXXX XXXXXXXX. I made every payment of that loan modification and continued to make the payments when Nationstar took over the servicing of the loan but Nationstar sent my checks back to me and would not apply them to the mortgage. I have all of the cleared checks which were cashed by XXXX XXXX  XXXX and sent those to Nationstar many times. I don't know how they could say that when they took over the loan servicing that I was behind in the payments of the mortgage when XXXX XXXXXXXX XXXX cashed all of the payments. Where did those payments go? I have never been able to find out. Several attorneys and a fraud investigator looked at their accounting and said it made no sense. I could not figure it out either. That is why an audit is needed from a neutral XXXX party. Who is going to pay for that audit? Nationstar should pay for the audit since no one can make sense of their accounting that they send out. XXXX XXXX of XXXX XXXX XXXX will do the audit but wants to be paid. I am paying attorneys fees and my attorney wants Nationstar to pay for the audit. 

I now have a company called XXXX XXXX XXXX XXXX XXXX helping to put the loan modification documents together and they have submitted them to Nationstar. Even though I signed an authorization allowing XXXX XXXX to speak to Nationstar on my behalf, Nationstar has refused to communicate with them. They are sending letters to my attorney instead. I should not have to pay my attorney to deal with the loan mod or Nationstar 's letters. XXXX XXXX does not charge for their service so why can't Nationstar communicate with them? The CFPB should investigate this matter as if they are doing this to me, no doubt they are making it difficult for many other people who are trying to get a loan modification. 

In addition, in one of the letters that was in their response to the last complaint I filed with the CFPB they said that the XX/XX/XXXX trustee sale has been put on hold. If that were true, then they would take the sale off of xome.com, a web site owned by Nationstar that advertises the trustee sales of property. My property is still on that web site listing a sale date of XX/XX/XXXX. I do not trust Nationstar as what they say does not always follow what they do. They have said things in the past and done something totally opposite so how can I trust anything that they say in a letter which they are sending in response to a complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted XXXX multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere XXXX decided to close my account with them despite my prior ten years of history that I had with them. On one of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, XXXX decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of XXXX for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that XXXX was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. XXXX from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.

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 2021-12-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted XXXX multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere XXXX decided to close my account with them despite my prior ten years of history that I had with them. On XXXX of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, XXXX decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of XXXX for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that XXXX was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. XXXX from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.

Company response to consumer: Closed with explanation