vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
ON XX/XX/2021 I applied for a wells fargo credit card. I am no longer interested in the card due to lengthy customer service process and want to rescind my application. I am not being allow too. They are asking for in person verification and will not send me a full list in writing or email of the applicable documents nor a safe method to provide those documents during a pandemic.

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 2021-11-23 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: SC

Complaint narrative:
XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX Collections {$83.00} 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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FILE NUMBER ; XXXX ..... 

I was A victim of identity theft and as A result there are hard inquiries & A closed XXXX  account in which i did not authorize on my consumer report. I have attached the identity theft report that was requested from me to have the hard inquires removed as well as the XXXX account. I have wrote letters, faxed and submitted documentation and this issue has not been resolved. Here is A list of the unath hard in. 

Also the XXXX XXXX account is ia A FRAUD ACCOUNT. I DID NOT ATHORIZE THIS ACCOUNT. Please remove the fraud account along with all of the fraud hard inquries below. I HVE ATTACHED ID THEFT REPORT. Here is the list of hard inquires that should be removed due to fXXXXXXXX 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

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
On XX/XX/21 I started a free trial with XXXX The free trial was for XXXX weeks. I had problems logging into my account to get XXXX XXXX to work. It would not. I called XXXX on XX/XX/21 for help. The phone number ( XXXX XXXX XXXX ). We went through several steps and finally got it to work. I attempted to setup a second device, that would not work. After several attempts I stopped. I made several calls to XXXX from XX/XX/21 to XX/XX/21. During that XXXXime span XXXX XXXX stopped on the first device. When an agent answered he wanted to sell some other products. My answer to him was all I wanted was to make the device work.He kept trying to sell other products. After much frustration, I told him to cancel the subscription. He did on the evening of XX/XX/21. The trial was to end on XX/XX/21. 
My credit card was bill for {$54.00} for XXXX and XXXX. The service had been cancelled before the trial period ended. XXXX never sent any confirmation of cancellation or any e-mails. XXXX finally sent an e-mail on XX/XX/21 to complete your XXXX XXXX XXXX  purchase. There was nothing for me to complete since the service was terminated XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I did not give consent or authorization of any kind to this company to have my information or come after me for an alleged debt ( identity theft ). I did not give consent for this company to contact me in any way, shape or form. In XX/XX/2021 I was contacted through the XXXX postal service that I owe them an alleged debt ( this is also postal fraud ). On XX/XX/2021 I sent a letter to them letting them know the fraud that has been committed by them in my name and I have yet to hear back from them. I have been paying my them and never entered into a contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I notified experian they were incorrectly reporting that I missed a car payment on my credit report. The account in question is XXXX XXXX Acct # XXXX. The account payment was due XXXX and the payment according to XXXX XXXX own billing statement, XXXX payments was received XXXX. This missed payment is gravely effecting my financial endeavors and I continue to plead with experian and never get any results unless I submit a complaint thru cfpd. 

According to FRCA, a account can not be reported as late, until it has been XXXX  days late. In this case, its been XXXX days. Due XX/XX/21 XXXX received XX/XX/21

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 2021-11-23 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: AES/PHEAA
State: GA

Complaint narrative:
On XX/XX/XXXX, I wrote to Fed Loan Servicing and told them my credit report is showing XXXX XXXXays late in XX/XX/XXXX. I have XXXX loans with Fed Loan, and XXXX out of the XXXX loans are reporting this error. I have provided XXXX, XXXX, and XXXX with a confirmation XXXX XXXX XXXX XXXX from Fed Loan Servicing that includes all loans that went under deferment from XX/XX/XXXX to XX/XX/XXXX. I requested the forbearance due to domestic XXXX I went through, which was filed in the courts, resulting in a divorce. 

This reporting error is literally ruining my credit. I have been turned down for employment and other credit because of this. My last attempt to get this resolved was XX/XX/XXXX and the credit bureaus have changed anything. I honestly believe they are simply not doing their due diligence in getting this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
This company has continue to contact me after ceasing and desisting all communication in behalf of a debt that is not an obligatory right of this company. I have not given written consent to this company to locate my place of dwelling, in pursuant to an alleged debt not owed directly from me the consumer. This is a violation of the FDCPA, XXXX, Congressional title XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I mailed XXXXwo ( 2 ) Cease and Desist documents to XXXX XXXX, XXXX XXXX-Chase XXXX XXXX  XXXX I sent these documents certified mail, I received the return receipts. Which are stamped XX/XX/2021, when they signed for the documents. My Cease & Desist request that if they need to communicate with me, to do it by mail also 1. Zero out the balance on both credit cards. 
2. Reinstate this account and reissue me a card with the same account number.

3. Increase the limit to {$15000.00}, youre in violaion of 15 USC 1602 ( k ) when you denied me an increase on my open end credit plan 4. Furnish me the Audit Trail 5. Furnish me the entire File on me XXXX XXXX. 
6. Furnish all Documentary Evidence on me ; all documents, forms, files, correspondence, books of accounts, financials and corporate records.

7. Report {$0.00} balance on all consumer reports every month. 
XXXX. At this point you are in violation of 15 USC 1 and 15 USC 1693, take heed to all of my remedies or I will begin the legal processes. 
XXXX. I do not give Chase XXXX XXXX permission to speak to any third party regarding these alleged debts as that would be a violation of 15 USC 1692c ( b ). 
XXXX. I do not give Chase XXXX XXXX permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ). 
XXXX. I do require you, Chase XXXX XXXX to remove immediately information about this alleged debt from my XXXX, XXXX, and XXXX credit report which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).

12. Pursuant to 15 USC 1692h ( If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer 's directions. ) I want all payment excluding the first one, sent to me the consumer. By check to the address furnished at the top. 

On XX/XX/2021 at XXXX, XX/XX/2021 at XXXX and XX/XX/2021 at XXXX, I was contacted by phone by XXXX. The first time was to tell me that they received my documents and are doing an investigation. The second time was to tell me that the investigation have started and they will get back to me asap and send me the documents I requested. On XX/XX/2021, I was contacted by XXXX, to let me know that my request has been denied and my remedies will not be met. My demands on the cease and desist where very clear and I reminded them that they have a copy of it in hand

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
XXXX XXXX, ENCORE CAPITAL GROUP ARE INCOLLUSION WITH XXXX XXXX AND ARE BREAKING THE FINANCIAL CREDIT APARATUS FOR CONSUMERS AS WELL AS XXXX XXXX XXXX AND FCRA XXXX XXXX SEC XXXX XXXX. both illegal collections are still reporting on transunion llc after sol. expired XXXX  years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
XXXX have never had an account with this company CREDIT COLLECTION SVCS  XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXXI am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are CREDIT COLLECTION SVCS the debt collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX to XXXX XXXX XXXX XXXX ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX.As mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: LA

Complaint narrative:
on XXXX XXXX there was a letter sent to Transunion about inaccurate account information that has been reported on my credit profile, I have sent in information 's showing that this information on my credit profile is reporting inaccurate and this is the XXXX time reporting this information and to Transunion and they refuse to remove it from my credit file it has been over XXXX days and nothing was removed neither have they send over a updated credit report with a response, Due to this derogatory item being reported on my credit report this has caused me great hardship and I have been denied credit for myself and my family which has now carried over into my business as a business owner. 
This situation has really put my life on hold I ask that immediate action take place to resolve this issue and the item is removed ASAP. 

Thank You, XXXX XXXX,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
XXXX XXXX, ENCORE CAPITAL GROUP ARE INCOLLUSION WITH XXXX XXXX AND ARE BREAKING THE FINANCIAL CREDIT APARATUS FOR CONSUMERS AS WELL AS XXXX XXXX XXXX AND FCRA 15 U.S.C.. SEC TION 1681g. both illegal collections are still reporting on XXXX XXXX after sol. expired XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the XXXX XXXX XXXX XXXX seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under XXXX XXXX code XXXX and XXXX XXXX code XXXX ( b ) ( XXXX ). 
I am aware that they each have XXXX days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( XXXX ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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:
I was A victim of identity theft and after reviewing my report I notice there are several hard inquires that I did not authorize on my credit report. Additionally there are fraudulent accounts that are closed but reporting on my report that I never opened. I have attached the copy of the identity theft report my drivers license and social security card for reference. And listed below are both the accounts that are needing to be removed due to fraud and the hard inquires that are also fraud. 

The accounts that are fraudulent are the XXXX XXXX XXXX ACC NUMBER ; XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX ***THERE ARE XXXX OF THESE ACCOUNTS LISTED WITH XXXX DIFFERENT OPEN DATES**** XXXX SHOWING XX/XX/XXXX & XX/XX/XXXX. BOTH ARE FRAUD ACCOUNTS. PLEASE REMOVE. 


The Hard inquires that I didn't list are also listed below. 


XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX NA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX EXPERIAN XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX NA Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/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 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
While submitting an application and required documentation for a home loan I provided earnest money for {$2200.00}. After several months submitting documentation and the lender changing the closing date several times we found that we did not qualify due to two auto loan payments not being verified by the processing manager. The house was put back on the market and the earnest money was not returned to me. We followed all the instructions for submitting documentation, and were given several Loan Estimate and Closing Disclosure packets. I emailed the loan team including the loan originator, processor and processing manager, but did not receive a response. Please let me know if my complaint is valid. This is the last person that emailed me to submit documentation. 
XXXX XXXX | XXXX XXXX XXXX  : XXXX | F : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX | XXXX, TX XXXX Thanks :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have phoned on the XX/XX/XXXX and XX/XX/XXXX and spoken with customer service pertaining to credit score reporting to credit bureaus, it seems like, when our payments were late the credit card company XXXX would report the card late, but now the card is current, the card information has not been reported to the credit bureaus. when speaking to someone in the credit department on the XXXX they stated it would take XXXX billing cycles, but, I stated that was unacceptable and, that should not be when your company has been reporting on a regular basis. This has cause an issue on our end, because, we are trying to purchase a home, been living in a hotel over a year and been working on our credit to get things straighten out myself and my husband and now we are at a stand still, with negative remarks on our credit reports, because of this, we stated to the credit card company that the credit bureaus said they never sent anything over to them this is why no information was reported and a file number was given to my husband to given to XXXX and the customer service in that department did not even want the number, but when, told her what the representative from the credit bureau said she just stated her supervisor will take care of that. All she had to do was enter the file number into the system for the report she kept stating it will be looked into before, XX/XX/XXXX. I said that's unacceptable and, I would be calling back. 

I phoned back XXXX was the last day we spoken to the company and the issue still wasnt corrected, I was given a number to the credit department but it just ranged and, I hung up, I am doing there job, I am the customer, and this is not my responsibility but am looking for solution Sincerely Yours XXXX XXXX

Company response to consumer: Closed with explanation