vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I had my House Foreclosed on, after I had an Agreement with Wells Fargo. You filed a suit which was decided in XXXX of XXXX. Wells NEVER did contact me so I contacted you and have Case Number. I then received a letter from Wells Stating they would contact me by today, XXXX. I also spoke with the Person handling it at Wells ( XXXX XXXX ) Friday who stated he would discuss. So I called him today, he was " out of the Office so I called Wells Management and was told, he would be calling me ( guess he magically appeared in the office ( smh ). He then stated, today, He needed another 10 days. All this, its a stall tactic for Wells to hold onto the money and get interest. They started screwing me in XXXX ( about time of Foreclosure ) and now that I filed, they are asking for my time. In summary, Wells agreed to the reduce payment in XXXX, took my checks, then Foreclose on me and then sent me about {$7000.00} which was the payments I made, on time and agreed to. Now, 15 years later, after admitting liability they want to keep me hanging longer in order for me to get restitution. This 10 day delay is a stall tactic and simply Wells keeping our money to gain interest. These guys are rampant abusers of Consumers

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Hello. To whom it may concern, i XXXX XXXX logged into my wayfair credit card account to sign up for payment arrangements in XXXX XXXX. With no knowledge that Wayfair as a company simply closes your account if youre ever behind & have to set up a payment arrangement i agreed to pay {$50.00} every so often. Not only did they close my account after i set up payment arrangements Wayfair reported to the credit bureaus that I the consumer closed my account which is false! They're telling me it was in the disclosure paperwork online. I never saw it say scheduling payment arrangements would close my account. im very furious as this is not fair to me as a consumer. I scheduled payment arrangements and was able to XXXX my balance before the ending of the scheduled payment agreement. ive never heard of any company closing your account because you have to set up payment arrangements. This exact information was shared with me by XXXX XXXX id # XXXX who refused to let me speak with anyone else to confirm what she had said or even to help me resolve this further. I the consumer never closed this account I only set up payment arrangements to pay off my XXXX balance. XXXX again expressed to me that its their policy to close the consumer account if payment arrangements are made. This is NOT FAIR. Also this should be BROADLY ADVERTISED that Wayfair doesnt offer payment plans to catch up on your balances, but only to take your money to pay off that current balance and then falsely report that the consumer themselves has closed the 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 2023-03-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an alert on my XXXX app on XXXX XXXX, 2023 that a macys hard inquiry was pulled from my report. I did not XXXX for any Macys credit card and reported this as fraud to the XXXX bureaus. We placed a freeze on my report and setup up fraud alerts. Please have this inquiry removed as it was not from me. 
There is also a collection account XXXXXXXX XXXX XXXX ( XXXX ) that is also displayed on my XXXX and XXXX credit reports. This is also not my account and needs to be deleted.

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 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: TN

Complaint narrative:
I closed my account properly with the original company that the debt was for. This collection agency is not sure any money for this old closed account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Early in XXXX the escrowed insurance company was pulling out of FL & it took me a bit to procure new insurance. Insurance was paid by Mr. Cooper XX/XX/XXXX. XXXX months later I was informed because my name was not on the mortgage, we needed to submit documentation that the courts had awarded me the estate and changed the deed. Which I did on XX/XX/XXXX. Fully understandable and not an issue. 

The next statement showed the estate of my mother c/o of me, but they mispelled my name. I didn't think anything of it until they added {$6500.00} worth of force placed insurance onto my account in XXXX when doing the escrow audit. After multiple calls to multiple departments being told numerous time 7-10 business days to correct, nothing is corrected. 7-10 business days to correct their error in typing my name is insane. Then another 7-10 business days to possibly correct the {$6500.00} in forced insurance that should not have been there. In the meantime they have added {$540.00} per month in unnecessary insurance causing my payments to be 60 days late with unapplied funds. 

7-10 business days to fixe their errors in multiple ways is insane. Mr. Cooper should be held liable for the hours and stress they have caused. We are at the end of XXXX & still being told 7-10 business days to fix THEIR errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are present on my credit report. I have reviewed my report and have identified a number of items that are either inaccurate or unauthorized. I request that these items be removed from my report as soon as possible. 

The first issue is regarding an inquiry made by XXXX XXXX XXXX on XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I demand that it be removed from my report. 

Similarly, I also dispute the inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, as well as the inquiries made by XXXX and XXXX on XX/XX/XXXX. I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Additionally, I dispute the inquiries made by XXXX XXXX XXXX XXXX and XXXX XXXX - XXXX on XX/XX/XXXX, as well as the inquiry made by XXXX on XX/XX/XXXX. I have no recollection of authorizing these credit pulls and demand that they be removed from my report. 

I also dispute the inquiry made by XXXX XXXX on an account number XXXX. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Furthermore, I demand that this account be either fixed or deleted from my report completely. 

I also dispute the inquiries made by XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX on XX/XX/XXXX, as well as the inquiries made by XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX  on XX/XX/XXXX. I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Moreover, I dispute the accounts associated with the following account numbers : XXXX and XXXX. I have never had any business relationship with these companies, and hence, there is no way that these accounts belong to me. I request that you delete these unknown accounts from my credit report right away. 

Lastly, I dispute the following personal information present in my report, which is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX. Please remove these errors from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: OH

Complaint narrative:
I believe in XXXX I opened a loan with XXXX that was offered as a grow plan. You technically borrowed a certain amount but only received half while the other half went in a savings account. In XXXX XXXX transferred these loans to a provider called SST. SST never had information about the savings account as it still shows locked with XXXX. I paid off my loan on XX/XX/XXXX of this year and that starts the process of getting the money that is rightfully mine that I had to pay interest on for almost 2 years. I called today XXXX days after payment and was told that when customers pay off the loan they are put on a waiting list to receive their funds. This process takes XXXX days is what I was advised. Besides the fact that the company charged interest on money never received during the loan process and now holding the money after loan is paid off with no interest paid to me the customer who has had a savings account that actually lost money. I want them to acknowledge that this practice of holding on to the customers account for said amount of time is wrong when they fully know that payment was made, always on time and the final payment cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
Seventh Ave # XXXX {$390.00} this account doesn't belong to me I was a victim of identity theft, I have attached my FTC , and police report please remove this account from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ON XXXX XXXX I PULLED MY CREDIT REPORT AND NOTICED UNAUTHORIZED INQUIRIES. I CALLED TRANSUNION SEVERAL TIMES TO HAVE THESE INQUIRIES REMOVED AND THEY REFUSED TO HELP ME. I HAD NO PROBLEM WITH XXXX AND XXXX INVESTIGATING THESE INQUIRIES, CREDITOR : DATE INQUIRIE WAS MADE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX TRANSUNION WOULD NOT HELP CORRECT MY FILE BY DELETING THE UNAUTHORIZED INQUIRIES REPORTING TO MY CREDIT REPORT. THANKS IN ADVANCE

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 2023-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
I keep received email from Chime Outreach, saying they need verification, on where I get funds to win at the casino from, my checks go direct deposit, every two weeks, they can see that, but they want to close my account, because I won some money at the casino,. This is so frustrating, I sent them everything that they ask for. I even sent my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: MD

Complaint narrative:
I mailed Equifax a letter on XX/XX/23 to request, the a credit report was accurate and correct .When i received the up dated report .The XXXX account was, different on the on every Credit report. The payment history and the charge off date and account type -detail. Plus there was several more errors. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States, I have a right to my privacy 15 U.S.C 1681 604 A section 604 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit inquiry named XXXX XXXX is damaging my credit rating.

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 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There has been multiple teller withdrawals for my J.P. Morgan Chase Bank accounts since XX/XX/2023 in the total amount of est. {$4500.00}. I have spoken with branch manager at Chase, Chase protocol in preventing future frauds is unsuccessful. More fraudulent withdrawals kept happening to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
This is about previous complaint # XXXX The Wells Fargo response was not about me trying to assume the loan into my name, which they denied. I sent them the assumption application in XXXX  not XXXX  like they sent me.That was a entirely diffrent loan with XXXX XXXX to get the mtg. payments lowered. I was forced to sell my home due to their denial. I had been paying the mortgage without my ex-husbands help, since XX/XX/XXXX. I sent all the email responses from wells fargo to do with the assumption also. I consider there so, called responses as unfair practice. Their so-called resolution dept. is a joke and their Mtg. team was of no help. They never returned my calls and never answered the phone.It 's been a total wast of my time..

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 2023-03-20 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: GA

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. 
According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department Of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX sent my account to collections after I paid the account off at the closing of my house. NCB has closed the account with only XXXX. XXXX account should be deleted completely since XXXX should have never sent to collections. XXXX this should be done with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: AmeriCollect
State: WA

Complaint narrative:
AMERICOLLECT XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Reporting the following ( less account info here for privacy ) to the credit bureaus on my behalf without the written instructions of myself the consumer. I have no relationship or agreement with the company named above, therefore, they do not hold any permissible purpose for claiming or reporting this information. 

I am filing a report of identity theft against Americollect. Re 15US Code 1681b Adt'l info regarding fraud : LOAN TYPE : COLLECTIONS AGENCY/ATTORNEY DATE UPDATED : XX/XX/2023 BALANCE : {$580.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
A notice of default was sent to Equifax by certified mail # XXXX attached with an invoice for their acceptance and agreement by acquiescence and failure to cure the issue within the specified time frame given and by not removing the unauthorized inquires done under identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
I consolidated my student loans in XX/XX/XXXX in order to qualify for student loan forgiveness. As of XX/XX/XXXX. All of my student loans were consolidated under one company as has since been updated to my credit report under the new student loan company. I contacted American Education Services XX/XX/XXXX in reference to the loans that remain open on my credit report that is currently showing opened that are consolidated with another company. The representative for the company advised me to call back on XX/XX/XXXX to receive an update for thr removal of this information from my credit report. I was advised to make a complaint to get this errors from my credit report. I have also been advised by American Education Services that my my student loans are no longer with the company and the balance is XXXX however the balance is still listed on my credit report. I believe I should not have to file a complaint in order for this company to remove these accounts in order for my credit report to be updated. I am requesting the accounts listed on my credit report be closed and defrom my credit report.

Company response to consumer: Closed with explanation