vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2020, I applied to WellsFargo to have my husbands {$210000.00} WellsFargo mortgage loan refinanced at a lower rate. After having submitted all the necessary paper work, underwriting said that it " LOOKED '' like I had a mortgage loan in XXXX that was foreclosed on. I informed underwriting, via my loan processor, that I payed cashed for the property, so there was no mortgage. Underwriting requested that I submitted a statement to that effect, which I did. My loan officer later told me that the statement was not sufficient, so I submitted to the loan processor proof that I paid cash for the loan. That was still not sufficient. Later, I was told that we were denied the loan. 

Additionally, WellsFargo was the bank that we initially when to to get a loan from for the property which we were attempting to refinance with them. They denied us then, but WellsFargo ended up purchasing the loan from XXXX, go figure. 

Finally, we will be closing on Friday with another lender who could not understand why WellsFargo denied us the loan.

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 2021-03-14 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: SC

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Company is a third-party debt collector ; attempting to collect on a debt that has passed its statute of limitations.I have relayed letters to the company, to notify them of my consumer rights and in an attempt to have the blemishes removed form my credit report. Even after recieving my letter, the company continues to attempt to collect and is damaging my credit, while taking no regard for the federal and state statues that apply to my situation.

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 2021-03-14 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:
XXXX, TransUnion and XXXX  have overused their assumed position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.

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 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX transferred {$1200.00} from my Chase bank account for purchase of a XXXX XXXX XXXX. I immediately contacted chase bank. They informed me nothing could be done as monies were already transferred. Also she rcvd 3 gift cards for delivery totalling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This company has been reporting that I have a XXXX $ debt for 8 years on my credit report. I have told them thus is not my debt. They have no concern for laws or rules. They keep adding to this debt that is not mine and more importantly they keep reporting this debt to the 3 major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted XXXX about this account. I have been disputing this account since XX/XX/XXXX. I have sent a total of 7 letters to the credit bureau 's disputing this account. I have sent debt validation letters to XXXX and to XXXX XXXX XXXX XXXX XXXX XXXX. I have sent certified letters to XXXX on XX/XX/XXXX XXXX XXXX ) and they did not respond back to me in 30 days. So I sent another letter back out to them asking them for more verification about the debt on the account ( XXXX ). I was ask them for proper verification about the debt and they sent me a letter saying that they conducted an investigation, and was unable to substantiate the allegations in the dispute. I just received letters back from the credit bureaus on XX/XX/XXXX and I saw that updates was made. But, how was updates made and I been disputing this account since XX/XX/XXXX? They should'nt be making updates now bc I haven't asked them to update anything. I just don't understand how they can be updating this account. The credit bureaus should not be updating anything about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: GA

Complaint narrative:
I mailed an certified letter to Trans union to verify incorrect info reporting on my credit report. Ex Bankruptcy Case Number : XXXX In response to my request, Transunion did not provide documentation where the information was verified to be accurate. Transunion also claimed to have verified with XXXX XXXX  in the past, i have sent them a letter from the company starting they were not able to verify this info.

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 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am looking to purchase a house this year. I am a married father of XXXX. I noticed an inaccuracy on my account. I reached out to the courthouse and was asked if it was possible that the mistake could have happened on their end. I was alerted that they do not report to bureaus and that a person 's social was never shared. I then attempted to reach the bureau by phone, but to no avail. XX/XX/2021, I proceeded to mail a letter demanding to see verifiable proof as stated by the FCRA. I included the correspondence from the courthouse. They were shipped certified mail. I waited 30 days and sent a follow up. Almost 60 days later, I have yet to hear from them. I feel like my rights are being violated. I just want to be able to provide a decent home for my family and their errors are making it difficult. They are picking on the little guy.

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 2021-03-14 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I am looking to purchase a house this year. I am a married father of XXXX. I noticed an inaccuracy on my account. I reached out to the courthouse and was asked if it was possible that the mistake could have happened on their end. I was alerted that they do not report to bureaus and that a person 's social was never shared. I then attempted to reach the bureau by phone, but to no avail. XX/XX/2021, I proceeded to mail a letter demanding to see verifiable proof as stated by the FCRA. I included the correspondence from the courthouse. They were shipped certified mail. I waited 30 days and sent a follow up. Almost 60 days later, I have yet to hear from them. I feel like my rights are being violated. I just want to be able to provide a decent home for my family and their errors are making it difficult. They are picking on the little guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/2021. Purchased an XXXX  on XXXX using XXXX - paid with my citi card. Seller would not ship item. Tried to file a claim with XXXX, they referred me to XXXX. XXXX said go to XXXX. I filed a claim with Citi cards. I have not received the item, nor have I received a refund. Citi has not yet fixed this. This is causing undue stress in these times.

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 2021-03-14 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: DISCOVER BANK
State: MA

Complaint narrative:
For the first time I ordered XXXX credit report XX/XX/XXXX I found in my XXXX credit report # XXXX dated XX/XX/XXXX Discover card # XXXX issued XXXX I dont know any thing about this card and never been in my possession on XX/XX/XXXX at XXXX XXXX  I called discover customer services I told them that I never receive the card mentioned above I also stated that I never sign any application for that card I asked the rep to give me any proof of signing any application the send me a form to fill for investigation. On XX/XX/XXXX I received a discover letter stated that the application I requested is not retrievable. 
On XXXX, XXXX at XXXXXXXX XXXX I called XXXX ( discover rep ) I asked him if customer services fix the issue and remove my ownership of the card ending XXXX out of credit agencies he told me that he will send me a form to fill for disputing the owner ship of the credit card I filled the form and returned it direct. On XX/XX/XXXX I received discover letter stating that the card issued on XX/XX/XXXX was sent to XXXX XXXX XXXX XXXX MA XXXX meanwhile my address was and still XXXX XXXX XXXX since XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called XXXX / XXXX XXXX XXXXXXXX Representative she said that she will start a new investigation and to send me any proof of ownership of the credit card I kept calling an calling but no solution. 
The card mentioned above was reported in my XXXX  credit report since XXXX I filled chapter 7 bankruptcy on XX/XX/XXXX if the card mentioned above was in my possession why wouldn't include it in my bankruptcy. after long searching I hired an attorney to sue discover On XX/XX/XXXX my he sent a letter to discover regarding the card but my bad luck was that he passed away before follow up. Lately discover claim the amount that was not related to me with a form 1099 to pay taxes on.

I don't know what to do I hope you help me avoiding the tragedy that I suffer years and years they hurting me financially I still can not buy a house. I am still looking for an attorney who accept sue discover you don't believe how nit was and still hurting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have contacted Santander about this account. I have been disputing this account since XX/XX/XXXX. I have sent a total of 7 letters to the credit bureau 's disputing this account. I have sent debt validation letters to Santander and to XXXX XXXX XXXX XXXX XXXX XXXX. I have sent certified letters to XXXX on XX/XX/XXXX XXXX XXXX ) and they did not respond back to me in 30 days. So I sent another letter back out to them asking them for more verification about the debt on the account ( XXXX ). I was ask them for proper verification about the debt and they sent me a letter saying that they conducted an investigation, and was unable to substantiate the allegations in the dispute. I just received letters back from the credit bureaus on XX/XX/XXXX and I saw that updates was made. But, how was updates made and I been disputing this account since XX/XX/XXXX? They should'nt be making updates now bc I haven't asked them to update anything. I just don't understand how they can be updating this account. The credit bureaus should not be updating anything about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I have bitcoin stored in a bitcoin vault on coinbase.com. I am unable to transfer the bitcoon out of the vault. I should receive 2 emails to approve the transfer but only receive one. I have tried many times without success. I have also sent support tickets with no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This account were previously removed from my credit report ( s ) as a result of identity theft. This is now back on my account after theyve been purchased my a 3rd party debt collection agency ( s ) who now keeps harassing me.. The original creditor ( XXXX XXXX XXXX  ) deleted this account from my credit report on XX/XX/2020. I've recently been receiving collection calls, and mail from MIDLAND CREDIT MANAGEMENT. I'm not sure why they continue to contact me or report this inaccurate account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AL

Complaint narrative:
My name is XXXX XXXX. This is my second complaint being filed for not receiving funds from a closed Chime account. My complaint is to receive the remaining balance, {$7200.00} via check. On XXXX XXXX my Chime account was closed because Chime 's partner XXXX XXXX said it wasn't in compliance with Chime 's policy. In Chime 's agreement it states that all funds will be returned via check. My first complaint was responded by the company said I did not qualify for the {$7200.00} that remains in the account and that the originator of the funds would get the funds. I am the originator of the funds. The {$7200.00} was not sent to account at one time. The {$7200.00} was saved over time. The {$7200.00} was saved by me therefore belongs to me. I would like the funds that I sacrificed for and saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. collection XXXX  Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment.

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2021-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
Ive asked for dates of service from original place I received treatment. Three accounts have no name or account numbers. Very little information to go on. I have one bill that the Veteran Affairs is going to pay. I told them that and they still put it on my reports. I was XXXX XXXX and CBC is really getting to me. I have XXXX bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Denied credit card by chase base on in -accurate information in my credit file. Reference Number : XXXX, CHASE. 

MY INCOMES - XXXX SOURCES - FAR EXCEEDED MY EXPENSES - AS ALSO PASSIVE INCOME SUPPORTED MORTGAGE MONTHLY DEBTS. 

CHASE DENIED CREDIT CARD BASE ON IN-ACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
In XX/XX/2021 Honda Financial Services put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
notices some unauthorized, and fraudulent entries listed on my report. The following accounts submitted below please block and remove from my report. These unauthorized, and fraudulent entries are hindering my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: National Recoveries, Inc.
State: TN

Complaint narrative:
I contacted the collection agency that states that they have an extremely expensive amount of loans in my name. I am attaching the verification letters that I sent to them that appear on my credit reports. They sent back to me a loan application with my name on it for 2001, no other information. I informed them that they did not verify all the accounts that they had listed and that they should be removed from all three bureaus. I am asking or your help to enforce that this collection agency does not break the law on my behalf.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The lawyer collecting and I agreed on XXXX by XX/XX/2021 to settle the debt in full. 2 weeks later XXXX sent a credit update that shows it was never paid. I started disputing the information and provided bank statements and the agreement for payment. XXXX denied this and continued to report as not payed. So I disputed with a second crediting agency. Now XXXX is reporting that I still owe a balance that was not agreed upon and the account is still open and behind and unpaid. So I submitted the letter from there lawyers stating that I have paid in-full as of XX/XX/2021 and this account is closed and not late as of XX/XX/2021. Which is dated before all of their bogus reports.

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