vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Early this year I left my debit card in front of this computer I am now using, which I allow my XXXX year old son and friends use. It disappeared and I put a stop on it. When it didn't show up after weeks, I requested a replacement, by phone. One was sent, but only to the street address, and I live in XXXX. It seems to me that disgruntled and poorly paid employees are engaged in a kind of work slow-down in which they intentionally fail to do things properly. I noticed the address on my account had been changed to one without province or country and contacted Wells Fargo Bank to correct that. The address was again changed incorrectly, but mail continued to arrive from them, just not mail with a replacement debit card. I made contact again and again, wasted hours and hours on the phone, and finally asked if I could use my credit card to access my funds, and not be charged extra for doing that. I was advised to go ahead then request a fee waiver afterwards, and did so. I was charged about {$240.00}, requested a waiver and was offered a discount of {$20.00}. I said that that wouldn't do. 
At one point I was asked to accept and return a code number sent by SMS. I said I couldn't get to the SMS code while remaining on the phone with the " Banker '' - we disconnected and I'd have called back with the code but none ever arrived. I have complained and complained but for half a year now have been in difficulties because of Wells Fargo ineptitude and incompetence. I could deposit a check but would then be forced to wait SIX MONTHS for the money to arrive to my account here in XXXX. Or I can use the extortionate " cash advance '' through my credit card to access funds already in my account. This has gone on far too long and I now have no faith in Wells Fargo to provide the services they have long been engaged by me to provide. My address has not changed in 10 years and I continue to get mail from them, mostly to say that an address change for me has been made, despite that my address has NOT changed, except by one numeral in the road name, a change made by local government over which I have no influence and which the post office here doesn't care about anyway. Please help. I have a family to feed, and today my wife, in fear, left for work in another province. None of us in this family are pleased about THAT!!! My address here in XXXX is 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 monetary relief
Consumer complaint received 2021-07-12 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Company reporting 30 day late payment on credit report when payment is up to date and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: AR

Complaint narrative:
After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.

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 2021-07-12 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: OH

Complaint narrative:
I have been working on my credit for over a year and a half. I've corrected most of the errors. Now they have put an old disputed collection back on my credit. I thought they couldn't do that. 2nd I've called the credit companies only to have them tell me they don't have any control over my score. My score hadn't changed in 6 months no matter how good I'm doing. So to sum up my complaints, I'm writing because they put an old collection back on my credit. I'm also writing about my score not changing. If they don't control what our credit score is them who does.

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 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I purchased a new vechle in XX/XX/2019, making on time and additional monthly payments. Confirmed with lender and states every end of the month correct balance and payments with the current amount due is reported. However experian has not been reporting that account information preventing my credit score increase due to debt decreasing. Every 4 months the account is being updated with past account information. My score should have and would have been increasing if the accurate account information was being reported correctly. If information is incorrect by law it should be removed if experian can not verify the information correctly. I contacted the lender and complained because I am a XXXX veteran and my rights are being violated while recovering from injuries and this issue is creating a hardship. I should not have to submit accurate documents for the account to be updated months later. When I disbute, experian is by law supposed to report accurate information and if not verify with the lender within the time frame allowed before it is removed by law. Not report inaccurate information causing me to disbute every month because the verified or non reported information is still inaccurate. It's been to many years of inaccuracies reporting and experian refusing to verify or remove the information. Since my complaint I have been getting updates However if my accounts have been inaccurate and obviously not verified because the current account information is still inaccurate, that states it is not being verified correctly by law. I shouldn't have to pay a 3rd party to correct information reporting on my credit file because I lack a letter or status of job title. I am not asking for anything but what the law states I have rights to and that is accurate reporting information in a timely matter as negative reporting is not missed for any month, which shows improper tactics preventing score increases.

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 2021-07-12 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: MO

Complaint narrative:
Date of Transaction : XX/XX/XXXX Problem Date : XX/XX/XXXX Amount of Dispute : {$2200.00} I am not liable for this debt with XXXX XXXX XXXX and I don't have a contract with them and they never provided me an original contract like I asked. 

I have made several attempts to call XXXX XXXX XXXX XXXX and I have not received a response back.

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 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Someone opened a Pentagon Federal Credit Union Credit Card and Personal Loan in my name back in XX/XX/XXXX. I have contacted the credit union many times I have multiple police reports and FTC reports. 

XXXX has removed these 2 accounts but XXXX and XXXX have yet to

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 2021-07-12 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: United Credit and Collections Inc.
State: MO

Complaint narrative:
Date of Transaction : XX/XX/XXXX Problem Date : XX/XX/XXXX Amount of Dispute : {$2200.00} I am not liable for this debt with United Credit Collections and I don't have a contract with them and they never provided me an original contract like I asked. 

I have made several attempts to call United Credit & Collections and I have not received a response back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 7th dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I closed this discover account in XXXX XXXX XXXX and there was heavy fraud on the account and to find out the card was being used since and now has a high balance of {$11000.00}. And they're trying to make me responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TN

Complaint narrative:
Section 802 states that abusive practices - unfair debt collection practices by many debt collectors contributes to a number of personal bankruptcies to marital instability, to the loss of jobs, and to invasions of individual privacy. This is extremely unfair and demand the following accounts be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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:
with equfax dates where i lived are wrong their are collections,, many i have never heard of. over half the info thay have i dont recogniz

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: DE

Complaint narrative:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I don't recognize majority of the accounts and i never opened any service with this companies and i think someone else in using my information without my knowledge and i don't recognize them. 
Plus i never been notified about this not even the credit report agency have never notify me this. 
And i dont recognize them and i request ask them to send me any proof of my signature otherwise they are responsible for affecting my credit for reporting wrong information on my credit report score as well the credit report agency are responsible that is affecting that why I can't access to get credit or any federal funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$500.00}, {$1000.00}, {$300.00}, {$100.00}, {$35000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I signed up to Gemini ( Gemini Trust Company LLC, XXXX XXXX XXXXXX/XX/XXXXl XXXX XXXX XXXX, New York XXXX United States ) on XXXX XX/XX/2020. I used the service successfully until XXXX XX/XX/XXXX. 

I discovered that my account was froze n on XX/XX/XXXX. I submitted a support ticket the same day. Gemini contacted me on XX/XX/XXXX to advise that my account was being reviewed by their compliance team. On XX/XX/XXXX, I receive an email appearing to suggest that the iss ue, from their point of view, has been resolved. However, from my point of view, it is not resolved : the account is still frozen. How I have been affected? 

I have XXXX GBP in my Gemini account. I am unable to withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: MO

Complaint narrative:
On XX/XX/21 I sent letters regarding inaccurate information on my credit reports with XXXX, Equifax, and XXXX. Too this day 60+ days later I have not heard a response back regarding this matter. I understand my rights and in section 611 of the FCRA it states that a failure to investigate these accounts within 30 days the items must be removed. I demand these accounts be removed and that I be issued a written statement from the aforementioned Credit Bureaus disclosing as to way they have not responded to my written request. My credit file was compromised during the Equifax Data Breach and I am constantly fighting fraudulent activity because of that breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I brought my first car they westlake financial under a dealer I thought I can trust. They sold me a XXXX  XXXX XXXX XXXX. It was smooth for only 4 months and I had to take it to the manufacture dealership. Dealership told me the car wasnt fully 100 % and was sold to you almost run down. I lost the warranty n the car by the miles already put in it. I couldnt afford repair and monthly payments. I was between jobs and I couldnt travel since my cars wasnt working properly. I only had the car for a year and only drove it for half that year. Im very disappointed that I fell for the old take your money and trust deal. I need to get the settled and charge off my credit in a great way. My dad is now sick and needs help back home. My mom been taking care of him but I need transportation to help them around. Please contact me.

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 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I have filled numerous complaints against Axos Bank and their lack of response to my numerous request for providing me with details of my loan and loan modification requests. They have repeatedly ignored my requests and the only times they responded to me has been when I have sent my communications to them through Consumer Financial Protection Bureau. 

Even with your help, I have yet to have a clear answer on the balance of my arrear loan balance and they have failed to provide me with any explanation of how they have arrived to the balance they are requesting. 

They have repeatedly threatened me and my family with foreclosure without even providing me with any explanation about my mortgage and any proper notice. 

I am not sure if they have added late fees and penalties to my loan which I believe is illegal since I was effected by Covid19 Crisis and think I am protected by Act of Congress from any added fees and/or penalties to be added to my account Since the last letter sent to me from Axos Bank dated XX/XX/XXXX, I have contacted Axos Bank over one hundred times ( without exaggeration ) and only were directed to a voice mail and no one returned my call answering my questions and concerns resulted by the threatening letters sent to me with foreclosure causing tremendous stress and fear for me and my family. 

Axos Bank only feel obligated to respond when it hears from CFPB and even then they completely ignore the questions and requests indicated in the letter and use cookie cutter answers unrelated to the communications sent to them. 

The last correspondence I received is identical letter to the correspondence I received last XX/XX/XXXX with different topics and different requests for information.

Company response to consumer: Closed with explanation