vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I FOUND THAT I AM VICTIM OF FRAUD ON XX/XX/XXXX WHEN I ARRIVED TO INSPECT MATERIALS FOR XXXX AT XXXX XXXX XXXX XXXX XXXX CA XXXX ON XX/XX/XXXX ABOUT XXXX TO XXXX XXXX XXXX WE CALLED THE WELLSFARGO BANK AND INFORMED THEM BY PHONE AND THEN REPORT ONLINE FOR RECOVERY OF OUR AMOUNT FROM ACCOUNT # XXXX ( THIS ACCOUNT IS XXXX XXXX ) WHICH WE HAVE THE CONFIRMATION BUT STILL WE DONOT HAVE ANY UPDATE. 
PROMPT ON XX/XX/XXXX WE ALSO INFORM TO OUR BANK XXXX XXXX XXXX BUT THEY REPLIED THEY ARE UNABLE TO HELP US. OUR ACCOUNT # XXXX IN 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 2022-02-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-14 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: MI

Complaint narrative:
Please Remove all Fraudulent accounts and inquiries as i have no knowledge of any of these accounts they are being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation is over.

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 2022-02-14 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: MI

Complaint narrative:
Please Remove all Fraudulent accounts and inquiries as i have no knowledge of any of these accounts they are being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: LA

Complaint narrative:
I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. I have not heard back from XXXX. If they can not validate, please remove from my XXXX credit report. The following accounts are what I am questing : CollectionXXXX XXXXL XXXX & XXXX Opened XXXX {$110.00} XXXX XXXX Opened XXXX {$410.00} XXXX XXXX  Opened XXXX {$840.00} XXXX XXXX XXXX Opened XXXX {$970.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
My Ex Husband and I purchased our home together in XXXX with a private investor at the time. We are both on the deed and the Mortgage note. 
We took out a conventional Mortgage with XXXX XXXX  XXXX  in XXXX, both listed on the Mortgage but only my husband listed on the NOTE. 
I filed for XXXX in XXXX with it all becoming finalized in XXXX. We then had to either sell the home or one of us assume the mortgage. 
My ex husband refused to let me remortgage the property, so we listed the home for sale. The market was down and there were too many repairs to be done to the home, so there ended up being no extra equity in the home and no offers on the home at the time. 
My ex husband moved out of the home in XXXX. 
I stayed in the home with our son and XXXX animals. 
At this point the mortgage had been sold to XXXX XXXX. 
I went into XXXX XXXX branch and let them know the situation and tried to make payments on the mortgage loan so we would not fall behind. XXXX XXXX refused to let me make payments on multiple attempts stating " I am not an authorized user on the account '. Although, I was on the original mortgage loan documents. This went on up until I received the certified " notice of XXXX '' /Foreclosure '' documents. ( My ex husband was un-servable and received a " default '' ) I submitted " request for payoff '' to opposing counsel in the dockets prior to foreclosure hearing without response. 
At the hearing, I presented the timeline of events to the XXXX. She did not listen and granted the foreclosure. 
Please help ... .I have been trying to make payments and trying to pay off the loan to save my home. My ex-husband is no where to be found and they are going to auction off my house. At the time I requested payoff we owed {$180000.00}. Now the final Judgement on Foreclosure is listing the XXXX XXXX to be {>= $1,000,000}. They have cost me and are stealing {$51000.00} from the current equity in my home. 
All Documents attached : Mortgage Loan Documents and Payment History Final judgement on Foreclosure Formal Request to Fay Servicing for Loan Payoff with Denial Response ( same response since XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My current credit report indicates 6 late payments. They are all attributable to Mr Cooper ( previously NationStar ) reporting which was the servicing entity for my mortgage at the time. 

In XX/XX/XXXX, I contacted Mr Cooper Customer Service to discuss my concern about receivables that were affected by the government shutdown would delay payments which would directly affect my ability to make a timely mortgage payment. I was instructed to make what payments I could and they would work with me. I missed the XX/XX/XXXX payment deadline because of the receivable payment delay, but made extra payments and was completely caught up by XX/XX/XXXX. They reported late payment for months 1, 3, 5, 7 and 8. Payments were made within the 30 days of those months, but the " late '' amount from XXXX was not fully caught up. When bringing to their attention the missing months of 2, 4 and 6 of this process, the responses was that their " system '' generated the credit reporting and nothing could be done. All the other subsequent months reported were a result of Mr Cooper 's application of received payments starting in XX/XX/XXXX, so the monthly payments were made and received within 30 days of due date, including associated late payment fees. So there was no ability to provide the reason for the subsequent monthly reporting entries made. 

In XXXX and XX/XX/XXXX, the sale of the property administered by Mr Cooper was under contract to be sold with a closing date of XX/XX/XXXX. During this time, the title company was in contact to determine loan payoff for the purpose of clearing title at closing. Title company submitted payment for remaining balance of mortgage to Mr Cooper, via XXXX, on XX/XX/XXXX but was not processed until XXXX. Initially, Mr Cooper reported XXXX as being late, but then agreed to address the error. They addressed it by making the XXXX payment late since it didn't get posted until XXXX. Property was closed on XX/XX/XXXX, title company forwarded payment based on information from Mr Cooper, but account was still reported as late because payment in full was not posted in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
I had, what was told to me by physician, a surgical procedure to correct problem O was experiencing from previous XXXX  with the same physician in the Spring of XXXX. I saw physician in follow up appointments but was never advised of any outstanding debt not paid by insurance company until call received XX/XX/XXXX from collection agency ( Capitol Accounts ) advising on a XXXX debt owed to XXXX XXXX XXXX XXXX Phone calls to XXXX XXXX 's office for explanation were unanswered and appointment was scheduled by his staff to come into office to resolve with physician. Again, I was also having gastro issues and wanted to be seen by physician. I drove the 3 1/2 hour drive, one way, sat in an exam room for well over an hour and was then asked to move to am office where I thought I'd have a consultation with XXXX XXXX. About 1/2 hour later, I was advised that XXXX XXXX was not coming into the office to see nor discuss my case. Please see attached documentation showing dates and attempted correspondence with XXXX XXXX. I believe what happened ( I work in healthcare billing ) was either staff never called to obtain authorization for the procedure, did not bill correctly or never billed it in time thus timely filing occurred with the carrier. This account has been added to my credit file thus causing issues with my trying to find housing as well as astronomical interest rates. He has clearly passed timely filing with the insurance carrier and is now expecting me to pay privately for a medical procedure that he advised I needed to correct the issue. Please note... I originally had weight loss XXXX  with him in XX/XX/XXXX. I had the utmost respect for him and his profession until he refused to come in the exam room to exam me and discuss " the debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: MD

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-02-14 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: MD

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I was in forbearance during the pandemic and was working with my mortgage company Shellpoint, on a loan modification. We started working on this months ago and finally a few weeks ago I was given my three options and was approved for the modification I picked. I was told via email back in XXXX, I believe XX/XX/XXXX, that there was no paperwork necessary, but now there is and shellpoint is not providing me with my documents to sign and are threatening me now that I am in default. All of this since XX/XX/XXXX is documented via many, many emails. Shellpoint keeps feeding me lies and telling me that documents were mailed, then XXXX XXXX then telling me that I can get the documents from a notary service they hired on my behalf that I can never reach and the list goes on with the delay tactics. I am now past my deadline and Shellpoint will not let me speak to anyone other than the representative assigned to me. I have tried reaching FHA but I haven't had any luck getting a live person yet. I've reached out to local FHA/HUD locations and they said it's out of their realm. How can I get this resolved so that I do not lose my home? I have most conversations via email so that I can prove I've really done my duediligence in this matter and that Shellpoint seems to be delaying and making obstacles for me. I'm so worried now that I'm going to lose my home. There are more issues that I can explain such as conflicting information given, wrong websites to go find my documents, wrong phone numbers given, etc ... that has delayed this to this point where I'm terrified of what is going to happen now. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-02-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well Fargo continues to brush me off with responses that do not provide any proof that they acted in an ethical and non-discriminatory fashion. As a matter of fact article after article, class action suit one after another including XXXXXXXXXXXX XXXX own DA has found Wells Fargo to be nothing less than nefarious. Wells Fargo has stated repeatedly that I was approved for a " Modification '' and that I didn't accept their proposal. They expected me to fall victim to their fraudulent ways just like the millions of other who were approved for so called Loan Modifications by XXXX servicing which was a subsidiary of Wells Fargo. Customers believing Wells Fargo had granted them a " modification '' to keep their home paid on their modification for 18 months, received a Truth and Lending signed and notarized to the proof of the modification. Only to find a foreclosure envelope in their mail box. Trust me says Wells Fargo we reviewed you documentation and upon fair review we were able to offer you the same loan terms and conditions, but just not call it a XXXX XXXX loan .... What? I refuse to speak with some used car salesperson on the phone trying to talk me into believing that Wells Fargo has acted and continues to act ethically and responsibly. Again all evidence points to lies and deception on the part of Wells Fargo and I reiterate that my loan modification was not assessed in an ethical and non-discriminatory court ordered manner. Before furnishing any further additional documentation Wells Fargo need to first establish an interest in establishing their claim of no wrong doing on their part as they've monetarily have paid for via class action settlements. I request Wells Fargo 's senior management team set up a meeting with me and my advisors and walk us through my entire loan modification along with the process utilized.

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 2022-02-14 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: LA

Complaint narrative:
I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the XXXX and Fair credit and billing act. I have not heard back from Equifax. If they can not validate, please remove from my Equifax credit report. The following account is what I am disputing : Collections XXXX XXXX Opened XXXX {$970.00}

Company response to consumer: Closed with explanation