vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-13 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: AES/PHEAA
State: MD

Complaint narrative:
I am the consumer, Fedloan Servicing has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract. According to 15 USC 1692, I do not owe any alleged debt because I am the consumer and Im not obligated to pay. I am an administered agent according to 15 USC 1602 ( o ). 18 USC 8 will provide that information to you. I do not own that debt. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am the consumer and I am the only one that can validate that debt and it is not mine. Fedloan Servicing did not verify this information. According to 15 USC Code 1681 ( a ) ( e ) it states that you have to do interviews with my family, associates and neighbors, you guys did not do that. You didnt provide that nor any information of anyone that is associated with the consumer, which is myself. Fedloan Servicing also, reported the amount I owe to a third parties without my consent to XXXX, XXXX  and XXXX, that is a violation of 15 USC Code 1666a ( b ). Under the law of my federal consumer vice, I am instructing you right now, according to 15 USC 1681 ( b ) ( a ) ( 2 ) to remove it according to my written instructions. I didnt give you guys permission to furnish any of my information. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX attempted to pay a XXXX city tax in XX/XX/2021 in error for {$630.00}. XXXX XXXX XXXX admitted to the error and stopped payment and recaptured the funds. In XXXX when the funds were recaptured the money was then taken out of the account again. At his point, the {$630.00} is still missing and seemingly stolen. I have contacted the company again today, but this has gone for months. They have raised my mortgage to compensate for the shortage in my escrow and I am out of patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: LA

Complaint narrative:
Applied for mortgage on XX/XX/2021, appraisal was performed on home in mid XX/XX/XXXX XXXX XX/XX/XXXX or XXXX ). Appraisal was uploaded to lenders applicantion portal for viewing but no copy of the appraisal was mailed, emailed, or others provided to me. 
Shortly after it was uploaded by the lender to the application portal the lender denied the application. At that time my access to the application portal and all documents contained in it was immediately and completely restricted. 
It was my understanding that in accordance with the code of federal regulations 1002.14 rules on providing appraisals and other valuations, the lender was obligated to deliver to me this document. This obligation has yet to be fulfilled. 
The appraisal was made available for an extremely limited time ( days ) in the application portal before my access was restricted. 

I have requested a copy be mailed or emailed to me and provided the needed information to complete that request - I have received no appraisal or valuation documents to date.

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 2021-06-13 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: CO

Complaint narrative:
I have disputed more than once with Equifax concerning false dates of delinquencies from XXXX XXXX. After speaking with XXXX a representative claims that they have not made such reports to the Bureaus. Dates of activities are always changed after disputes reporting incorrect information. This is a closed acct that should no longer be showing period. The dates are always changed to prolong the acct. showing which is causing hardship and mistrust with the bureaus that are supposed to protect against this kind of abuse. I've tried uploading documents showing proper information with Equifax but always get errors and when i did speak with a representative they was rude concerning me asking to dispute again and i was told it had already been disputed. I disputed XXXX before with CFPB and after that dispute they was no longer reporting updates now al of a sudden Equifax is reporting what XXXX updated even more false information concerning dates and reporting that the information is correct. Is this not against The Fair Credit Reporting Act???? However the other reporting bureaus were fair concerning me a a consumer and had no problem removing the XXXX acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: OR

Complaint narrative:
I tried to look at XXXX through XXXX XXXX XXXX online XX/XX/XXXX. I wanted to see what the financing terms of furniture would be, so I completed the financing check online through XXXX XXXX XXXX. 

I was approved XX/XX/XXXX through XXXX XXXX XXXX for a loan. I did not purchase ANYTHING through any furniture retailer online. I did not receive any money through XXXX XXXX XXXX to my bank account. 

XXXX XXXX XXXX began charging me for a loan of {$800.00}. I called them multiple times during the week of XX/XX/XXXX and XXXX, XXXX, regarding this loan. They told me the money would be deposited to my account and thats why I was to repay this amount. The money never came. I had to switch banks to get the automatic payments to stop.

I just received a letter from Contract Callers Inc. for this fraudulent debt in the amount of {$1200.00}, dated XX/XX/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 2021-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear Sir/Madam XXXXXXXX XXXX acct # XXXX I filed a dispute with all three credit bureau, TransUnion , XXXX and XXXX on XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor XXXXXXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.

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 2021-06-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear Sir/Madam XXXXXXXX XXXX acct # XXXX I filed a dispute with all three credit bureau, XXXX , Equifax and XXXX on XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor XXXXXXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear Sir/Madam XXXXXXXX XXXX acct # XXXX I filed a dispute with all three credit bureau, XXXX XXXX XXXX and Experian on XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor XXXXXXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.

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 2021-06-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am trying to recover money that was taken from my checking account by citibank and wired to an unknown person. I have been a Citibank Priority customer for more than 30 years and have never used their wire transfer services. 

On XX/XX/22 at XXXX I received an email alert from citi that I had added a new payee ; at XXXX I received an email alert that I had been successfully enrolled in wire transfer services. There was a note on email that if I hadn't enrolled, I should call them. I immediately called. 

While on hold and simultaneously online, I watched as three transfers for a total of {$2500.00} were made to a stranger, XXXX XXXX, at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in XXXX. 

When Citibank answered, I told them that the transfers were unauthorized and fraudulent. I asked to be transferred to their fraud department and reported to " XXXX '' what had happened. She transferred me to another person and I again relayed my story. I was told Citi would investigate and get back to me. I also asked that I get a copy of Citi 's written records adding the new payee and authorizing the wire transfer. I have not received either. 

Over the next couple of days, I put a hold on my Citi accounts, went to my local Citibank office and spoke with my personal banker ( and she told me I was the 3rd person that day to have been victimized by the same wire transfer transactions ), went to the XXXX and filed a report for Grand Larceny, called Citi 's Global Cash Investigation group and filed three notarized affidavits of unauthorized online wire transfers.

Although it's been 3 months, about 10 branch visits and 30 phone calls, I have not received written notice of the disposition of my case. Nor have I been shown written records of the fraudulent transactions. Upon calling the XXXX XXXX XXXX XXXX, I was told I would not be repaid b/c the receiving bank no longer had the funds.

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 2021-06-13 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: LD Holdings Group, LLC
State: LA

Complaint narrative:
Dear Sir/Madam Loan Depot, account # XXXX I filed a dispute with all three-credit bureaus, XXXX XXXX XXXX and XXXX on XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor Loan Depot to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to Loan Depot, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit reporting agency furnished inquiries and accounts on my report without permission. I, as the consumer, also asked them to remove all of these inquires and accounts not initiated by me ( The Consumer. ) This company is violating the law and my rights as a consumer. I'm exercising my rights to have these accounts be removed per 15usc 1681b section C 1 ( a ) : '' I do not grant TransUnion, XXXX, or XXXX  the right to furnish this on my report.

My instructions are for you to Remove all inquiries from my report.

Per 15 usc 1681b section C ( 3 ) : A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Remove all student loan accounts from my report. Per 15 usc 1681b section ( e ) ( 1 ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

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 2021-06-13 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: TX

Complaint narrative:
Please remove all unverifiable and unauthorized information off my credit report or I will have File for litigation. I have been working on this for a while and I have not been updated.

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 2021-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i got involved in the corona relief plan offered by Wells Fargo on XX/XX/XXXX. It was to be 90 days, no negative reporting and it ended XXXX XX/XX/XXXX. I made my 3 payments and was offered a one a month defferal. I made 4 more payments and realized they never did the defferal and filed an executive office complaint. I had 5 representatives over a 6 month period with excuses and explanations and when pressed the they deffer 5 months which put my account way ahead and will cost a lot of extra interest in future so i requested it be repaired. They stopped reporting my credit in XX/XX/XXXX to cover their errors while they created dozens of adjustments and made a mockery of my payment history. I finally got a representative in XXXX that got account put back together and have made 6 more payments since. The main issue now is they are not reporting to credit bureaus, improper crediting of payments to principle from their adjustments and they even deleted the tradelines on all bureaus making my credit score drop 100 points. I have asked, complained and threatened legal action and they say its not the law. They want me to agree to a statement that they can report everything? The only thing that should be reported is forebearance XXXX and the 12 payments and deferal done since XX/XX/XXXX. The dozens of adjustments made and mistakes made by Wells Fargo is not my doing. I was offered defferal, did not ask for it. I did not ask for a year of issues when i signed up XX/XX/XXXX they are trying to cover their errors with my credit reporting and also making it impossible to refinance or obtain other loans. I have been injured by this greedy and corrupt bank and want compensation, redemption and my XXXX score back. They should at a minimum be reporting payments made, balance and current status since XX/XX/XXXX when they finally put this together on all 3 major credit bureaus. I have dozens of documents and bank statements from my other bank if you need documentation. My account at Wells Fargo changed daily between XXXX and XX/XX/XXXX from 4 months ahead to 1 month behind, payments held in holding account and all types of adjustments they made to cover themselves and they want to report that? Factual information is that Wells Fargo is corrupt, incompetent and devious.

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 2021-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: OR

Complaint narrative:
I tried to look at Furniture through XXXX XXXX XXXX online XX/XX/XXXX. I wanted to see what the financing terms of furniture would be, so I completed the financing check online through American First Finance.

I was approved XX/XX/XXXX through American First Finance for a loan. I did not purchase ANYTHING through any furniture retailer online. I did not receive any money through American First Finance to my bank account. 

American First Finance began charging me for a loan of {XXXX}. I called them multiple times during the week of XX/XX/XXXX and XXXX, XXXX, regarding this loan. They told me the money would be deposited to my account and thats why I was to repay this amount. The money never came. I had to switch banks to get the automatic payments to stop. 

I just received a letter from XXXX XXXX XXXX for this fraudulent debt in the amount of {XXXX}, dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear Sir/Madam XXXX XXXX, account # XXXX I filed a dispute with all three-credit bureaus, TransUnion XXXX XXXX and XXXX  XXXX XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor XXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.

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 2021-06-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear Sir/Madam XXXX XXXX, account # XXXX I filed a dispute with all three-credit bureaus, XXXX XXXX Equifax and XXXX on XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor XXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.

Company response to consumer: Closed with explanation