vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX continued. 

Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing.

WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... 

I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. 
I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank.

WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement.

Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. 

The WF game continues. 
XXXX XXXX is a pathological liar and is following the WF line and should be in a different position or business. 
Please provide a more truth telling POC

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to return my investigation. I am distressed that the credit bureaus have included inaccurate information on my credit profile and that They have been unable to maintain reasonable procedures in their operations to ensure the maximum possible accuracy in the credit reports they publish. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately 15 U.S.Code 1681i if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation 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.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Someone opened a bank account in my name at Wells won't the name and took out a loan. It showed up on my credit report but it wasn't me. I called filed a complaint and was told it would be investigated and fixed. But never was and after several failed attempts to find out about investigation. Still nothing.

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: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have an account which is reporting XXXX XXXX Account XXXX XXXX this account has always been paid on time. I noticed a late pay reporting on my credit report in XX/XX/2021. According to my knowledge this account has always been paid on time. 
I mailed out a request to the address listed on the credit report to request payment history etc. I didn't get a response therefore I am reaching out in the hopes to get this matter resolved. I would like to obtain copies of the original contract along with payment history for the duration on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I am unable to get Mohela to review my account under the new XXXX XXXX XXXX XXXX XXXX XXXX ) waivers and guidelines. My loans were consolidated into the correct loan type in XXXX. I've been with a qualifying government employer since that time. My PSLF history goes back to XX/XX/XXXX when the program started. I've submitted employment certification regularly ( to XXXX and now Mohela ) during that time. My account currently reflects XXXX qualified payments, an additonal XXXX needing employment certification and XXXX ineligible payments. The XXXX ineligible are all forbearance months that will become eligible and qualifying once my account is reviewed. I submitted an application in XXXX that was processed in XXXX with an update to only the more recent months. I was again denied forgiveness. I submitted another application recently and am just trying to get someone to review and update my seemingly straightforward account information and path to loan discharge. Once reviewed, I will have XXXX qualified payments and my loan forgiveness will date back to XX/XX/XXXX, resulting in a substantial refund of payments. Every touch to the case seems to start a new " 90 BUSINESS day '' clock for review. It has now been almost a year that new policies regarding forbearance months were announced and there has been XXXX movement on my case. I am asking for timely review of my account and submission for discharge of my loans under XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
The amount they are stating I owe in debt is {$260.00} on my credit file yet when I call them they state that the amount is actually a much higher over {$1000.00}. I know for a fact that the medical service was not that high as I saw the bill from XXXX XXXX ( I believe the information was archived after the debt was sold to collections as I can no longer see the exact amount ) Additionally, I reached out to the agency telling them that I had insurance at the time ( due to covid it was medicare ) and that they told me it would fully cover the expenses of the therapy. They told me they would call me back over 4 months ago and no information has been updated or given to me as of today. I also sent a letter asking them to verify the debt to which there have been no results. However, XXXX seems to have stated in my latest dispute attempt that they verified and updated my file. The information shown on my file is only of name, address, and amount owed- all of which is relevant to the case. This means there was likely incorrect information regarding the debt that they updated only after my dispute and letter. 

Lastly, I tried filing a dispute through experian multiple times to which they denied me and said that the debt was valid despite me informing them not only on the insurance that I had at the time of scheduling the appointment. They continued to deny me when I told them that the debt was also invalid due to HIPAA as I never gave permission to XXXX XXXX to release my medical data nor signed any documents allowing them to do so. As such I would like to report both XXXX and Eastern Account System

Company public response: Company disputes the facts presented in the complaint
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: Shellpoint Partners, LLC
State: MD

Complaint narrative:
update : They refuse to respond to the state of maryland whose has approved HAF. They keep lying and pretending Maryland never contacted them repeatedly. 

original complaint : My Mother, a senior in her late XXXX, is being lied to and mistreated by Shellpoint Mortgage Servicing. She applied for HAF funds several months ago. In the meantime, Shellpoint offered her 3 months of trial payments to lead to a mortgage modification eventually. She didn't understand that if she completed shellpoint 's offer and also signed a mystery mortgage mod, that she would be considered up to date and no longer would quality for HAF funds. I caught this error before she signed off on a 40 year mortgage mod. Yes, shellpoint is offering a senior with a perfect XXXX credit score a 40 year mortgage. Now that HAF is back on the table Shellpoint is lying about contacting the state reps working to give out HAF funds. They ar emaking up imaginary dates that they tried to contact the state giving out the HAF funds. Meanwhile the state reps are on top of things and it's clear that Shellpoint Mortgage is conspiring to trick customers out of receicing HAF funds. It benefits Shellpoint to trick people into mortgage mods over customers receiving upto XXXX in principal reductions. They need to be monitored and investigated asap. Since first contacting Consumer Finance, Shellpoint appears to have committed fraud in the state of Maryland by lying to the Maryland Homeowners Assistance Fund which has caused a denial of a XXXX loan. They claimed that my Mother was in a modification with them and that she's not eligible for HAF loan. So they will make up total lies to undermine homeowners form receiving HAF funds.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
I have a public record of XXXX  XXXX bankruptcy on all three credit agencies that has been discharged for a little over 2 years. I would like to see that removed. 
Also I have XXXX XXXX  and credit acceptance that was on that XXXX  XXXX bankruptcy that's still on my report ( s ) I need taken off.

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: MD

Complaint narrative:
I am a natural person. I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 and they violated my rights. I demand the accounts below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Moreover items were reported fraudulently and inaccurately and in accordance with the Fair Credit Reporting Act all items must be 100 % accurate when reporting and accounts reported are not 100 % therefore I demand for All 3 accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX also called XXXX XXXX to remove all reported items XXXX Account number XXXX Equifax Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX I dont have any installment loan with XXXX  XXXX XXXX  XXXX XXXX and I never signed or authorized any installment loan with XXXX XXXX XXXX XXXX  XXXX XXXX I never written any checks from XXXXXXXX XXXX XXXX XXXX XXXXXXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page 6 of 9 ) I gave Equifax a copy of the CFPB and they ignored my request to delete account I gave Equifax a copy of my FTC filing stating that the 3 accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all 3 accounts are inaccurate on all 3 credit files and 15 usc 1681 states credit files have to be 100 % accurate Equifax stated they did an investigation however all 3 credit files are still inaccurate I want all 3 accounts deleted immediately

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 status incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
My account was closed back in XXXX and was making payments through collection. I paid my account in full in XX/XX/XXXX. When I spoke to representative I asked for payoff amount and the balance was paid in full. I confirmed with representative that my balance was paid and no longer owed a balance to XXXX. My account was closed and I no longer had a balance as of XX/XX/XXXX. XXXX apparently did not include back interest when quoting me my payoff and I was completely unaware of anything owed because I was told my account was paid. XXXX continued to charge me and is now reporting 30+ days late on my credit report and a balance of {$48.00} which include 2 months of late fees. I have called in to XXXX XXXX department and the representative that I spoke with on XX/XX/XXXX confirmed that I paid my balance on XX/XX/XXXX and should not have kept getting charged and it was their mistake. All fees were waived by rep and my account balance now shows {$0.00}. Because I was under the assumption that my balance was paid in full and my account was closed there were no payments sent to XXXX. My score has now dropped 30+ points because of their deceptive practices. If I am requesting to pay off an account in full I should have gotten the complete payoff and if there was residual interest I should have been told by the representative that I would need to make a payment the following month. I am currently trying to buy a house and this has impacted my score negatively for something that was their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: CA

Complaint narrative:
There are dept collection letters and bills sent to an address that is not mine. I know the person that the letters were sent to but don't know anything about these accounts. She would like to stop receiving these statements/bills/collection letters sent to her address. 

Thank you, 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 explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
It was back in XX/XX/2022 I was charged {$75.00} and {$35.00} in bank fees they wouldn't wave it so I paid it than in XXXX of 2022 I was {$35.00} overdrawn and they just closed my 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 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter out on XX/XX/2022 to XXXX, TransUnion, and XXXX. Here are my tracking numbers : XXXX, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to return my investigation. I am distressed that the credit bureaus have included inaccurate information on my credit profile and that They have been unable to maintain reasonable procedures in their operations to ensure the maximum possible accuracy in the credit reports they publish. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately 15 U.S.Code 1681i if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation 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.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter out on XX/XX/2022 to Experian, XXXX, and XXXX. Here are my tracking numbers : XXXX, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to return my investigation. I am distressed that the credit bureaus have included inaccurate information on my credit profile and that They have been unable to maintain reasonable procedures in their operations to ensure the maximum possible accuracy in the credit reports they publish. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately 15 U.S.Code 1681i if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation 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.

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 status incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I suddenly have two collection agencies reporting on my credit reports. Both of these agencies claim that accounts were opened in XX/XX/2022. I have never received any inquiries nor have I received any previous bills or correspondence. When I attempt to contact them theres only a recording that wants my Social Security number. I have reported this to the credit reporting agencies who have failed to rectify the situation. This is severely damaging my credit that I have worked very hard to regain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Took out a HELOC w/ USAA way back in 2008. Main purpose was to payoff a second mtg with XXXX. Well, got my title and the XXXX mtg is still there. USAA says they don't keep proof on whether or not XXXX cashed the check. A bank says they dont keep copies of their checks. Right. They also never followed up to make sure the title was cleared. USAA says they have nothing showing the loan was paid other than a cover letter and a journal entry that it was sent. Thats it. No one ever followed up to get the lien off my house. Now I am stuck with a lien on my property I can not get removed as XXXX XXXX ( XXXX ) says they want proof the check was cashed. I know it's been a long time but I just discovered this as I do not routinely review my title. Both banks say it is the other bank 's responsibility and neither has offered any way forward. I am trying to refinance and I cant get this off my title.

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