vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
A Wells Fargo credit card was opened in my name, phone #, and social security number. I did not open this account nor did I use it. I need help fixing this problem.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 explanation
Consumer complaint received 2022-05-25 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: NC

Complaint narrative:
on XXXX/XXXX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$490.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX XXXX XXXX Account Number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX XXXX XXXX Account Number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I was facing difficulties with XXXX XXXX, Specialized loan Services my mortgagor put me on a forbearance plan. While on their approved plan in XXXX of XXXX they charge me a late payment processing fee. 
On XX/XX/XXXX I was told the plan was ending on XX/XX/XXXX. 
I managed to pay back in full all the amount due in XX/XX/XXXX. 
In XX/XX/XXXX they charge me another late fee again for late payment while still on the forbearance plan and while I paid in full the amount past due in the statement I received from them in XX/XX/XXXX. 
Now they took the full payment I made. They take some money from it to pay advance principal payment and the following month I still get a bill not showing XXXX balance due.. that is the game they played til now. 
To make things worst now they say I owed total '' XXXX for 2 fees for being late on XX/XX/XXXX and another late on XX/XX/XXXX while since XXXX I repay back full payment showed on the statement I received from them.

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 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is a follow up to complaint number XXXX. 

Wells Fargo Bank NA did not address the main point of the above referenced complaint in their letters of XX/XX/XXXX & XXXX, XXXX. I did respond to their letters, on XX/XX/XXXX, pointing out their failure to understand and address my complaint, which is the refusal of Wells Fargo to recognize that the facts as presented to them, have created a dispute about the unauthorized electronic transfer of funds, as described in Regulation E of the 1978 EFTA. 

I am awaiting a reply from Wells Fargo to my letter dated, XX/XX/XXXX requesting that the bank accept the legal fact that, under Regulation E, there is a dispute between a financial institution and a poor American consumer.

Up to the date of the filing of this complaint, Wells Fargo has not responded to my reply to their letters. Therefore, I am requesting that the relevant authority at the cfpb, issue a notice of charges alleging a violation of the consumer protection statue, known as Regulation E, which forms part of the Federal EFTA of 1978. My prayer is that such a notice would initiate an Administrative Adjudication Proceeding before the Administrative Agency Tribunal as soon as possible. 

It has been almost one year since the unauthorized transfers of the {$18000.00} took place. Wells Fargo disregarded our affidavits along with other evidence showing that the transfers were not authorized by me or anyone else known to me. I provided every relevant evidence to support the type of financial situation reflected in Regulation E, the statute that assists the consumer ; However, Wells Fargo refused to reverse their decision that says, that I or someone known to me, made the transfers or authorized someone else to do so. They have declared the cases as closed. 

The purpose of this complaint is to legally make charges alleging a violation of the consumer protection statute known as Regulation E. I am looking for a ruling in my favor from an administrative judge. 

XXXX XXXX XXXX, consumer.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts do not belong to me, please block and remover per 15 USC 1681c-2.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act, XXXX XXXX bank, account # XXXX has violated my rights. 
1 5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is the second time capital one has put a credit card on my credit report. I have never owned a credit card from capital one. As well as inquiries on my credit report from them pulling my credit reports. I never gave consent for them to run my credit ever. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have contacted TransUnion and submitted FTC reports along with creditors letters supporting the removal of these unauthorized inquiries. 
I have not heard from TransUnion nor has my credit file been updated.

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
My name is XXXX XXXX XXXX, married to XXXX XXXX XXXX XXXX, deceased military I am a widow, I am XXXX, I am XXXX XXXX XXXX and I am a US naturalized citizen immigrant from XXXX. 
My daughter owns a home at XXXX XXXX XXXX XXXX, XXXX NM XXXX and is her residence, We are sued for foreclosure for a second mortgage that was kept open according to what our prior attorney said, and that the sellers after giving title away on a closing on a XXXX  on XXXX worked out a loan mod refi or forebearance with XXXX XXXX XXXX, increasing the debt which was not allowed per the escrow officer XXXX XXXX XXXX XXXX and XXXX XXXX ( alttorneys for the seller and their drafted contract ). attached This is a loan that we were told XXXX XXXX ( seller ) aka XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXr they sold the house and placed title in escrow with XXXX XXXX aka as XXXX XXXX, with title insurance by XXXX XXXX, It appears they used title companies ( XXXX ) to buy other homes and also acted as mortgagors on homes they flipped inflorida and did not make their payments to XXXX XXXX XXXXXXXX but went applied for help or loanmods. 
We ade our payements until the house was paid off per our contract which ONLY spells paying off the countrywide original loan acquired by XXXX XXXX XXXX we never were told of a second mortgage open loan by title and our contract paid off the originalfirst mortgage Apparently XXXX XXXX XXXXXXXX sold the loan that was altered to mr cooper and we did not know the loan amount balance or anyting as we are not priviledged on the loan. 
The went to foreclosure and they have failed to recuperate or state the judgment from the mortgagors XXXX XXXX and XXXX XXXX for more tha 10 years and is so staled that mr cooper can not recuperate and HUD even gave XXXX XXXX and XXXX XXXX a HUD government loan to them. They have lived in Florida forall these years since XXXX The address was provided in court and it appears that the lawyers are incompetent that represent the mr cooper or that the process server LIED TO THE COURT As XXXX XXXX DOES NOT LIVE IN NM BUT IN FLORIDA NEVER LIVED WITH MY DAUGHTER OR I, FURTHER XXXX XXXX IS ANOTHER PERSON IN HER FORTIES AND IAM XXXX WE ARE NOT THE SAME PERSON STOP XXXX TO THE COURT TO PROCEED TO A WRONGFUL FORECLSOURE. 
WE PAID THE HOME OFF THE MONEY IS AT THE COURT. 
IF THE BANK GIFTED BACK THE MONEY TO THE SELLER AND THE BANK CAN NOT RECUPERATE IT IS THEYIR FAULT IF THEY CAN PROCEED WITH FRAUD FOR THAT GO AHEAD, I BOUGHT THE HOME WITH MY DAUGHTER PAID ALL MY LIFE EARNIGNS AS A TEACHER STOP THE ABUSE OF LIQUIDATEORS THAT PREFER TO TAKE THE TITLE THAN A SMALL UDGMENT THAT IS DUE TO THEM MAYBE BY THE SELLERS. THE SELLLERS HAVE NO SKIN IN THE GAME SO IT APPEARS THEY COLLUDED WITH THE BANK TO EXTORT AND STEAL FROM ME, I AM A SENIOR AND I PAID MMY BILLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

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 2022-05-25 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: MI

Complaint narrative:
Please verify that all information is 100 percent accurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Below is the account in question : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts do not belong to me, please block and remover per 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts do not belong to me, please block and remover per 15 USC 1681c-2.

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 2022-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB THIS IS NOT A DUPLICATE MY LAST COMPLAINT WAS MARKED AS DUPLICATE MY QUESTION WAS NOT PROPERLY ANSWERED : I, XXXX XXXX, Consumer, just have a simple question for XXXX XXXX XXXX XXXX. Please provide me with Documentary Evidence meaning all papers, correspondence, books of account, and financial and corporate records. Because XXXX XXXX XXXX XXXX stated Please note that XXXX XXXX is not a nationally recognized credit reporting agency and we do not report accounts to them. I totally understand your words XXXX, However, you do report to Experian XXXX XXXX XXXX XXXX, etc. Now can you please provide me with the details, documentation of how I, XXXX XXXX, paid 85 % of the loan XXXX stated was loaned to me XXXX XXXX? Because it is evident that the same 85 % paid of the loan are being reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports to. So Im simply asking a question, Im aware that XXXX is not providing me with full disclosure according to 15 U.S. Code 1632. Now can you please provide me with full disclosure. And If you cant provide me with proof and full disclosure of what XXXX XXXX XXXX XXXX are reporting to the credit reporting agencies, I am putting you on notice and demanding that XXXX XXXX XXXX XXXX cease and desist communication with my consumer credit reporting and remove all negative and illegal items you are reporting on my behalf pursuant to 15 U.S. Code 1692c ( c ) and UPDATE my account to the credit reporting agencies as PAID AS AGREED. Also, Pursuant to 15 U.S. Code 1681s ( B ) Thanks in advance for your cooperation. Best regards, XXXX XXXX, federally protected consumer.

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