vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo refuses to acknowledge receipt of a fax requesting documentation that they were not an investor in a mortgage they service ( # XXXX XXXX. This fax was sent on XX/XX/2021 at approximately XXXX GMT. I have digital receipt documenting the transmission of this message. 
Furthermore, they have refused to respond to a recently sent fax requesting record of telephonic communications pursuant to my mortgage XXXX # XXXX ) sent on XX/XX/2021 at approximately XXXX GMT. 

Both messages include multiple methods of contact, none of which Wells Fargo has deigned to utilize. 

As they are pursuant to a loan modification process that has caused me to file numerous complaints, and has been met with numerous stalling procedures and false information generated from Wells Fargo, I can only assume that this is an attempt to Foreclose on my mortgage.

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 2021-06-22 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX I found out that my unemployment benefits were being cashed by a roommate She helped me file my claim and I got a denial letter from XXXX and I thought my claim was denied. Wasn't the case. She cashed out over XXXX k of my money. The bank closed my account took five months to open back up and paid me only XXXX of the XXXX that was stolen.thr bank has denied my claim again and you're my last resort.

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 2021-06-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, XXXX  claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX/XXXX  XXXX XX/XX/2020 XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020

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 2021-06-22 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: GA

Complaint narrative:
I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, XXXX  claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX, XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020

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 2021-06-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, Equifax claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX XXXX XX/XX/2020 XXXX BANK XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  CARD XX/XX/2020 XXXX BANK XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My wife and I tried to get a new cell phone plan. We learned that our credit reports were frozen. Yesterday ( XXXX ) I worked to contact all three credit report companies to have the freeze temporarily lifted. I was successful in doing this with XXXX and XXXX  since these firms have human customer service agents who worked with me to fix the problem. Experian, however, is another story. No matter what I did I was not able to fix this problem, and I was unable to get connected to a human agent. I later learned that Experian doesn't have any human customer service agents working in the US. I had to send them a letter with my personal information and will have to wait to get a resolution. They are essentially holding me for ransom. I suspect that if I had a paid membership, they would provide human support. This XXXX company SHOULD NOT be allowed to do business with Americans and collect money on their " service '' and selling our data without providing human customer service as do the other firms that are American companies. I would love to be able to " QUIT '' Experian. But I can not since they have me and every other American by our short hairs. The CFPB should FINE and heavily regulate Experian and encourage congress to pass a law forcing all credit reporting companies operating in the US to provide human customer service with a waiting time not to exceed 10 minutes. I have sent letters to my Representative in the House and to my two Senators with this same complaint.

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 2021-06-22 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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:
These are not my accounts and I want them deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Never paid late XXXX. XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/1979

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 2021-06-22 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: LA

Complaint narrative:
These are not my accounts and I want them deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Never paid late XXXX. XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/1979

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: LA

Complaint narrative:
These are not my accounts and I want them deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Never paid late XXXX. XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/1979

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 2021-06-22 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: GA

Complaint narrative:
I respectfully asked for all signed promissory notes with my wet ink signature on these student loans, I haven't attended any school in 20 years!!!! These loans DON '' T belong to me and I demand that they get removed immediately!!! you left them on my report with a consumer statement but have yet to supply any document to validate these loans. I am a victim of IDENTITY THEFT and all verified documents have been SUBMITTED to show the PROOF!! I have never lived in XXXX, GEORGIA, NEVER!!!!!!!! remove these fraudulent accounts immediately!! NEVER HAD ANY BUSINESS DEALINGS WITH ANY COMPANY CALLED XXXX .... 

US DEPT OF EDXXXX # XXXX {$16000.00} US DEPT OF EDXXXX # XXXX {$3300.00} US DEPT OF EDXXXX # XXXX {$5100.00} XXXX XXXX  XXXX  # XXXX {$2000.00} XXXX # XXXX {$3700.00}

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 explanation
Consumer complaint received 2021-06-22 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: GA

Complaint narrative:
I respectfully asked for all signed promissory notes with my wet ink signature on these student loans, I haven't attended any school in 20 years!!!! These loans DON '' T belong to me and I demand that they get removed immediately!!! you left them on my report with a consumer statement but have yet to supply any document to validate these loans. I am a victim of IDENTITY THEFT and all verified documents have been SUBMITTED to show the PROOF!! I have never lived in XXXX, GEORGIA, NEVER!!!!!!!! remove these fraudulent accounts immediately!! NEVER HAD ANY BUSINESS DEALINGS WITH ANY COMPANY CALLED XXXX .... 

US DEPT OF EDXXXX # XXXX {$16000.00} US DEPT OF EDXXXX # XXXX {$3300.00} US DEPT OF EDXXXX # XXXX {$5100.00} XXXX XXXX  XXXX  # XXXX {$2000.00} XXXX # XXXX {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: PA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 3 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 2nd 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 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

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 2021-06-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have inquiries and a inaccurate address on my credit report. I have sent two dispute letters and waited over 45 days but they have ignored my letters and I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: NJ

Complaint narrative:
There are Multiple accounts on my credit report that are not mine

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 2021-06-22 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: NJ

Complaint narrative:
There are Multiple accounts on my credit report that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/21 I've sent {$1000.00} from my Bank of America Account to XXXX ( so they could forward the money to XXXX ). 
The " receiving bank '' for XXXX  XXXX was XXXX XXXX. 

Since then, I've never seen my money again. Bank of America has shared confirmation numbers for the transfer and has informed they tried to recall the payment but they couldn't get in touch with XXXX or the receiving bank. Bofa tells me I need to reach out to XXXX. 

I've provided all the available information to XXXX but they say they have never received the money - and that I need to sort this out with Bofa. 

This has been a nightmare, {$1000.00} is making a huge difference to us in XXXX and we feel unsupported by the two institutions involved in the transaction.

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 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: AL

Complaint narrative:
On XX/XX/2021 I attempted to withdraw money from my Binance.US account but realized when I purchased my new phone, it did not transfer my XXXX XXXX  I still had access to my trading account. I filed a ticket with Binance.US and received an automated response. I immediately responded with all required information to have my XXXX removed so I could reinstall a new one. On XX/XX/2021 I received a response only saying that my ticket had been escalated and sent to the appropriate team. They updated their application for my phone on XX/XX/2021 and I have now lost access to my account completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: TX

Complaint narrative:
I got a letter saying I have available funds that looks pretty official but it's basically one that wants me to refinance with Homeside.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have six ( 6 ) inquiries on my credit report that I did not authorize. My personal information was released without permissible purpose and the credit bureau has refused to respond to my dispute. I have sent two letters and waited over 45 days without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
They have overdrawn my account by over a XXXXXXXX XXXX ( XXXX ) for expenses I have no idea of. I have explained to them that i did not receive my merchandise from the vendor but they insist on charging me for it. They reversed my credit because I filed a dispute in XXXX and now my account is overdrawn for {$1000.00}. If it goes to collections, it'll destroy my credit which is already in bad shape that im struggling to fix.

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 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
An account was opened with TD Bank in my name and checks were ordered and delivered to my parents address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 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: MS

Complaint narrative:
I have communicated on numerous times to Equifax, XXXX  and XXXX  in regards to the incorrect reporting of information on my consumer reports!!!! It has been well over 30 days and nothing has changed! My most recent attempt was submitted on XX/XX/2021 and there has been no response, and there has been no changes made to my consumer reports! XXXX, Equifax, and XXXX refuse to make the necessary changes to my reports, which is unlawful. Ive made several calls and submitted various disputes throughout the past year and my most recent dispute letter has yielded the same results!!!

According to 15 U.S Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer with whom it relates. This makes everything that they are reporting unlawful and these inaccuracies should have never been reported without my written consent in the first place!!!!!

Company response to consumer: Closed with explanation