vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is trying to unethically foreclosing on a property! 

XXXX XXXX, XXXX, I sent a cashiers check from XXXX XXXX for {$5500.00} to catch up on the mortgage of my deceased mother 's home. 

A few weeks later I was told by a Wells Fargo rep funds had been received but now the check disappeared & funds were never applied to the account. I want to stop the foreclosure & pay the remaining mortgage. 

Details - This problem is the result of two financial institutions acting improperly. We didnt know we were behind until I called Wells Fargo because of stopped statements. XX/XX/XXXX, I called & ask why no statements. I was told we were over {$4000.00} behind. I let the rep know I had not been aware due to NO statements & I would send funds. I asked statements to be sent so we could keep up with account & for automatic payments to begin again. I was told everything would be taken care. I had my credit union cut a cashiers check for {$5500.00} & mailed it XX/XX/XXXX. 

I found out XXXX XXXX XXXX XXXX took the payoff of mothers car from her account without authorization leaving the account without funds for the mortgage. This caused the missed payments. 

I still was not receiving statements so called a few weeks later. The rep assured me yes, everything was great. Check was received, account was fine & I should be getting statements soon. 

Next I heard from Wells Fargo was paperwork to foreclose. 

THIS is why Wells Fargo is foreclosing : -Mortgage amount due {$27000.00}... 
-Property tax value {$160000.00}... 

If I had been receiving statements all along, I would have known about problems. No suprise... the Wells Fargo rep lied to me. She knew I was not receiving statements and would never would. 

ONLINE ARTICLE. <<<Why Did They Stop Sending My Mortgage Statements After Bankruptcy? 

https : XXXX XXXX home mortgage lenders who send monthly statements to their borrowers will stop sendingstatements once a bankruptcy is filed. They will stop withdrawing automatic payments from your bank account. 

They claim sending the statements and withdrawing your funds might be seen as a violation of the bankruptcy automatic stay on collection and they dont want to run afoul of the bankruptcy law. >>> My mother passed away XX/XX/XXXX. We kept her accounts for payments but her credit union removed funds. 

Wells Fargo is known for unethical treatment of senior citizens. I went to a branch & was told a different story. In XXXX, the account was in " pre-foreclosure. '' I had proof from of the cashiers check but I was called a bad debt & they never got a check. 

I wish to pay off the mortgage & have no more business with a company who preys on 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 2022-11-30 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: CA

Complaint narrative:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-30 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: VA

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FXXXX 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 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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-30 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: IL

Complaint narrative:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

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 2022-11-30 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This account was charged- off as ordinary income and I was supposed to receive 1099 form. I never received the 1099 form IRS, this is showing incorrectly and has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I disputed a transaction for a merchant that failed to deliver agreed product. 
Original transaction was XX/XX/2022 for XXXX I disputed the transaction on XX/XX/2022 Apple card/Goldman Sachs asked for more info on XX/XX/2022 I provided proof from the merchant that they did not provide the product in the form of an email from the merchant agreeing that the charge should be refunded on XX/XX/2022. 
Apple card/Goldman Sachs notified me they denied the dispute on XX/XX/2022. 
They were unable to provide additional info on XX/XX/2022 when I contacted them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30 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: GA

Complaint narrative:
I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/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 2022-11-30 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.

Complaint narrative:
Good morning, when I checked my latest credit report I found some discrepancies, I would like you to remove those discrepancies and lock my credit profile, please. 

Accounts : XXXX ) XXXX XXXX XXXX  opened XX/XX/XXXX this account is too old to remain in my report. 
XXXX ) XXXX XXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX XXXX XXXX XXXX opened XX/XX/XXXX ( second account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX ( third account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX ( fourth account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX ( fifth account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX  XXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX  opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX  opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX  opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 


Addresses : Please delete addresses below XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Credit Inquiries which I dont recognize : XXXX ) XXXX from : XX/XX/XXXX XXXX ) XXXX XXXX from XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX FROM : XX/XX/XXXX XXXX ) XXXX XXXX XXXX FROM : XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX  FROM : XX/XX/XXXX XXXX ) XXXX XXXX XXXXK FROM : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  FROM : XX/XX/XXXX XXXX ) XXXX XXXX from : XX/XX/XXXX XXXX ) XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-11-30 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-30 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
My USAA account has been frozen for over XXXX weeks. They will not tell me when it will be rectified and keep telling me to wait XXXX business days. I'm overseas with a XXXX, a toddler, and a wife, and the only income provider for my family we don't have access to our funds to pay bills or provide in our kids. I have been with this company for XXXX yrs., and this is the first time I have had any issues. I deposited XXXX credit card convenience checks blance transfers from my USAA visa card and bank XXXX XXXX XXXX card from offer with XXXX percent interest for 18 months. The money was taken from both credit cards. The bank held the funds and the money in my account for XXXX days. XXXX also confirm the funds went to USAA. Someone needs to find out why my funds it's frozen or when I can access my money! USAA has held my last XXXX payroll deposits. They even put a delinquent hold on my credit card and charged me a {$25.00} return fee because I couldn't pay the bill due to them freezing my account. This can't be legal? I have a large amount of money in my account and will close my accounts and change banks when THIS IS OVER. For weeks, I have called the banks to release the funds to my paycheck. The bank said someone would call about the issue and apologized for the situation, but I am still waiting to receive a call XXXX weeks later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: FL

Complaint narrative:
This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-30 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This account was charged- off as ordinary income and I was supposed to receive 1099 form. I never received the 1099 form IRS, this is showing incorrectly and has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: FL

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation