vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Having bought a home for {$310000.00} at the height of the market in XXXX and struggling to keep it during the housing crisis plus dealing health issues ; I decide to sell in XX/XX/XXXX to move to another town for work. My home was still under water and had to list it at {$190000.00} as a short sale while a new developer was selling homes around the corner for {$160000.00}. Despite that, it was under contract within the first week although Wells Fargo would not accept the sale. Between XX/XX/XXXX and XX/XX/XXXX, Wells Fargo repeatedly refused to accept the sale until I made it clear I was already living in another town due to work I was physically able to do. The house finally closed as a short sale in XX/XX/XXXX for XXXX. I have the paperwork to show their agreement to the SHORT SALE, however it was years later that I finally discovered the short sale was listed as a foreclosure. In fact in XX/XX/XXXX I attempted to get a mortgage only to be hustled out of the office without being told why. This broker at a State Bank location in XXXX Arizona did not tell me my short sale was shown as a foreclosure and I went several years more before someone would tell me what they were seeing on my credit report. I have tried since then to have this corrected with Wells Fargo denying any wrongdoing. Now my credit report is excellent but now I am retired after years on XXXX and can not afford a home when I should have been able to purchase a home the summer of XXXX ; 2years after the short sale was completed. 
Wells Fargo ruined my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: NY

Complaint narrative:
Someone has used my information for XXXX XXXX. I've been paying it to keep from getting a negative mark on my credit. But I was XXXX  during the time the account was set up. 

XXXX XXXX - Balance {$8100.00} Credit limit {$9800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Received notice from credit report XX/XX/XXXX and contacted Synchrony Bank identify theft and XXXX still has not resolved. XXXX still open and XX/XX/XXXX called Synchrony Bank disagree and reopened. Filed police report XXXX and sent police report with FTC report to XXXX XXXX  XXXX In XXXX keep receiving phones call and statement harassment from Bank. XXXX and I called XX/XX/XXXX and remailed police report. 
In XXXX XXXX and I called together and XXXX XXXX and mailed FTC report, police report XX/XX/XXXX, XXXX XXXX XXXX XXXX. XX/XX/XXXX we called bank reopen investigation. I am not able to be answered phone because hospitalizations. Then I received collection letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am deeply concerned about the errors that still appear on my credit reports. These errors are ruining my credit profile and damaging me a consumer. Under the Fair Credit Reporting Act, incomplete, innaccurate and unverifiable information should be promptly removed from my credit file. This journey has taken over 30 days. I have not received the information I requested. 

XXXX XXXX number : XXXX XXXX XXXX number : 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 non-monetary relief
Consumer complaint received 2023-01-25 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: NJ

Complaint narrative:
The XXXX Account # XXXX is charged off and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: NJ

Complaint narrative:
The XXXX Account # XXXX is charged off and should 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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SYNCHRONY FINANCIAL I DID NOT APPLY FOR THIS LOW LEVEL NONSENSE I DID NOT APPLY FOR SYNCRONY IN MY LIFE THEY ARE KNOWN FOR SCAMMING FOLKS WITH BAD CREEDIT I DID NOT HAVE BAD CREDIT AT ANY POINT AND LASTLY I HAVE ONLY EVER APPLIED FOR MY HOUSE AND MY XXXX  XXXX AND THATS THAT I WANT THIS INQUIRY REMOVED NOW THIS INQUIRY IS FRAUDULENT AND NOT MINE, AND IF YOU SAY ITS MINE I WANT CONCRETE PROOF BY FCRA GUIDELINES THAT PROVE THIS WAS ME IN WRITING WITH PURE PROOF THAT THIS WAS WIHTOUT ANY UNREASONABLE DOUBT ME THAT APPLIED FOR THIS ACCOUNT OR NONSENSE I FNOT REMOVE THE INQUIRY OR I WILL SUE YOU FOR SLANDER, FRAUD AND INVOLVE THE ATTORNEY GENERAL AND TRADE COOMMISSION AND I AM NOT KIDDING HOW DARE YOU TAINT MY REPORT WIHT 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 non-monetary relief
Consumer complaint received 2023-01-25 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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: CA

Complaint narrative:
I am a victim of identity theft and am in the process of discharging accounts off of my report. It is the duty of the CRA 's to be reporting accurate information on my report. My credit reputation is damaged due to a supposed late payment reported on my account. I have always paid things on time and have never had an experience with late payments. As a result of this alleged debt being reported on my account, it has tanked my score and made it extremely difficult to act in commerce publicly. I am attempting to apply for apartments and with a score as low as this it is impossible, especially in California. I am working on getting the entire account removed from my report but in the meantime I need this late payment mark removed as soon as possible so that my credit reputation can return to its normal range.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Hi I am hoping to be able to get help here, I have a mortgage account with Santander Bk Account # XXXX. I am having lots of difficulty. I make my payments on time all the time. I am unsure if Santander is misallocating the funds or they are not providing accurate amounts. They also keep changing the amounts. I keep making payments and we keep having issues. When I call there seems no-one to speak to. I am hoping you can help me out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: NJ

Complaint narrative:
All accounts with XXXX XXXX have been charged off and should 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 non-monetary relief
Consumer complaint received 2023-01-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to 15 U.S.C. 1681i Experian, XXXX XXXX XXXX XXXX shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and RECORD the Current Status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The credit bureaus mentioned above have absolutely Violated my rights numerous times. I have attached my disputes for each credit bureau, my identification information and the certified receipts for when I sent my disputes to each credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor Navy Federal Credit XXXX XXXX XXXX has violated my rights under 15 USC 1681SECTION 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a credit card account under a open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: NJ

Complaint narrative:
My Father was compromised with Citi bank CC twice. I am his POA and his daughter. The first time I was not even aware since he was living on his own ( XXXX ) and he called them on his own. They took care of the fraud and I think sent another card. By the time I found out we were together in a dollar store and his card was declined for a mere few dollars. We immediately called roughly around XXXX XXXX. After talking with fraud department, card was shut down and told us not to worry. Since the charges were so many, around {$12000.00}, we were told since he is a long time customer, check off his charges and send a check. The rest was going to go to fraud and taken care of. This was also to be expedited. We did as told, and sent a check for {$500.00} on XX/XX/XXXX and even enclosed a note to remind them. ( why his card was not red flagged immediately I will never understand ). 
We continued to receive bills but were told when I called that it was computer generated and assured it was being taken care of. We then received a letter about the dispute that we were not responding therefore closing the case. I called and re-explained that I was handling this and POA and he was now in assisted living and hard of hearing. Long story short, I have dated and documented all my calls. One call told me the charges were being worked on to not worry. Another Call documented tells me it was zero balance and would see this in 3-5 days. I could not get into his online account and decided that I need not worry since I was already told it was Zero. 
XX/XX/XXXX, I received a letter of collections for {$7400.00}. I have copies of bill and told the collections this story and also submitted all that I could to show them that at XX/XX/XXXX years old his charges were minimal and they should clearly see this. He has no XXXX, no internet, and nowhere to go. I am honesty trying to clear this for him since he has been wronged, and here I am pleading for help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In XXXX  I started a short sale process with Wells Fargo, because the value of my home was less than I owed, and I had become married, and had XXXX children and needed to leave my small one bedroom apartment. 

Unfortunately, I had persistent capacity problems with Wells Fargo for two years, which was awful. 

I went into the process of a short sale with Wells Fargo, after having my house on the market for 18 months with zero offers, I decided to pursue a short sale. 

However, after two years in the short sale process with Wells fargo, I was appalled at Wells Fargo 's improper handling of my case. There was constant turnover with regard to who was handling my property, every time we seemed to have movement, the person responsible for my case transitioned, and I had to start over. I received incredibly absurd requests in the processing of documents for Wells Fargo, for things like making my signature darker, or having a signed letter on company letterhead as to why my two pay periods a month are not always on consistent days. This incompetence led to three offers ( for within hundreds of the entire amount of my loan with Wells Fargo ) falling through. 

I had a short sale realtor, and a short sale attorney and was still paying my HOAs so the property remained in good condition. All of my paperwork was in place, and there was an offer for three months ), and Wells Fargo was unresponsive. 

I enlisted managers and others to be involved, and I kept copious notes on process. I finally received an ok to proceed, almost three years after the process initiated, all the while still paying an attorney and HOAs. 

I believe I should be a part of the settlement identified here : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX But I have not been contacted by Wells Fargo despite outreach .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: CA

Complaint narrative:
I am a victim of identity theft and am in the process of discharging accounts off of my report. It is the duty of the CRA 's to be reporting accurate information on my report. My credit reputation is damaged due to a supposed late payment reported on my account. I have always paid things on time and have never had an experience with late payments. As a result of this alleged debt being reported on my account, it has tanked my score and made it extremely difficult to act in commerce publicly. I am attempting to apply for apartments and with a score as low as this it is impossible, especially in California. I am working on getting the entire account removed from my report but in the meantime I need this late payment mark removed as soon as possible so that my credit reputation can return to its normal range.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: CA

Complaint narrative:
I am a victim of identity theft and am in the process of discharging accounts off of my report. It is the duty of the CRA 's to be reporting accurate information on my report. My credit reputation is damaged due to a supposed late payment reported on my account. I have always paid things on time and have never had an experience with late payments. As a result of this alleged debt being reported on my account, it has tanked my score and made it extremely difficult to act in commerce publicly. I am attempting to apply for apartments and with a score as low as this it is impossible, especially in California. I am working on getting the entire account removed from my report but in the meantime I need this late payment mark removed as soon as possible so that my credit reputation can return to its normal range.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: WV

Complaint narrative:
Received a foreclosure notice from mortgage lender XX/XX/XXXX ( only two months behind ) {$1700.00} Sought help with a housing counseling agency XXXX XXXX XXXX ) Agency submitted my information to the lender to stop the foreclosure ( XX/XX/XXXX ) Agency submitted my information to WVHDF HAF program ( XX/XX/XXXX ) Agency checked on status of the HAF Funding XX/XX/XXXX ) HAF funding was able to pay on one months arrearage with note from Mortgage Solutions that they do not work with HAF funding ( {$570.00} ) Agency contacted Mortgage Solutions and was told even with a third party authorization document faxed and mailed to them on XX/XX/XXXX it was not valid because the " signatures did not match '' ( XX/XX/XXXX ) Agency was trying to determine if the funding would bring the account current or if the account would be one month behind still and in jeopardy for future future foreclosure actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MA

Complaint narrative:
I have used cash app to recieve money from my coaching clients. Whenever I try to log into the cash app i am not recieving a confirmation code. I tried to call cash app support on several different occassions and all i have gotten in response is they can not locate my account and they even accused me of using a different name which is not true. When i tried to ask the different customer service reps to talk to a supervisor they denied me to talk to them.. this is very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
on becoming aware of my consumer rights. I obtained a copy of all my credit reports. on review I've noticed numerous inaccuracies on my reports and also that my data has been breached. I reached out to all the agencies. but still haven't had my info corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Well Fargo closed my account for no reason and refused to give me the credit owed!! Overdraft fees charged! Denied reopening my checking accounts!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maury Cobb, Attorney at Law, LLC
State: DC

Complaint narrative:
Hello, I closed my account with XXXXXXXX  to transfer to another mobile carrier a while ago. Moving forward a few days, I got a hard inquiry on my XXXX XXXX and was surprised to see I had a collection from XXXX on my account. 

I immediately contacted XXXX, who confirmed there was nothing they could do and advised me to contact the law firm of Maury Cobb & Associates LLC.I 've been calling them via relay due to the fact I'm deaf, but they kept hanging up on me, so I don't know what to do and am worried it will impact my credit line as it shows I have collections. 

I never received any notifications, warnings, emails, or letters about the remaining balance, which I believe to be around {$160.00}. I had no idea about all of this. 

Please sit down and remove this debt, as this must be an error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation