vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
NEW EVIDENCE 1 ) WELLS FARGO CONTINUES TO STATE FALSE NARRATIVE PHONE RECORDS SHOW THAT MANY CALLS TO PERSONNEL FROM A XXXX IN TEXAS TO XXXX IN XXXX HAS ALWAYS BEEN RETURNED BUT XXXX PASS IT ON TO MESSAGING XXXX HAS NEVER RETURNED CALLS 2 ) CALLS TO NAME & NUMBERS OF INDIVIDUAL ANSWERING CAN NOT CONFIRM THAT THEY ARE WITH WELLS FARGO- LIKE SCAMMERS THEY ATTEMPT TO GET INFORMATION THAT IF THEY WERE WELLS FARGO THEY WOULD HAVE 3 ) CLAIMS OF INCREASING MONTHLY MORTGAGE DUE TO INCREASE IN ESCROW BECAUSE OF INCREASE TO VALUE OF HOME, COST OF INSURANCE AND TAXES HAS BEEN CONFIRMED WAS FALSE IN MONITORED RETURN CALL ON THURSDAY WHERE PERSON LEAVING MESSAGE INDICATES THAT THEY ARE AN ATTORNEY BUT THEY DO NOT LEAVE A NAME 4 ) IN # 3 THEY WERE INFORMED THAT PROPERTY IS BEING SOLD TO RELIEF OWNER OF ALL OF THE FALSE NARRATIVE & i EXCESSIVE CHARGES THAT XXXX XXXX OF SOUTHERN NEVADA XXXX XXXX A LAWYER " XXXX XXXX ) STATED THAT WELLS FARGO HAS A HUGE REPUTATION FOR ABUSES IDENTIFIED IN # 3 THEN LITIGATION WIL START FOR REDRESS & REPARATIONS LOST BECAUSE THE HOME WILL HAVE GO SELL FOR NEARLY NOTHING BECAUSE OF REPORTED STRUCTURAL DAMAGE THAT XXXX XXXX DID NOT DISCLOSE DURING THE SALE NOR TO THE TRANSFER TO WELLS FARGO. 
THERE ARE EXTENSIVE LAWSD THAT REQUIRE A SELLER- " XXXX XXXX  '' TO DISCLOSE CONDITIONS THAT " XXXX FAILED TO REPORT. 
& NOW WELLS FARGO HAS FAILED TO LITIGATE A CLAIM FOR DAMAGES AS THE PROPERTY CAN NOT BE BILLED FOR WELLS FARGO FALSE NARRATIVE FIGURES OF PROPERTY VALUE WHEN IN EXCESS THE PROPERTY WILL HAVE TO SELL FOR A " VAST LOSS OF VALUE '' 5 ) WELLS FARGO INSIST ON TAXES INCREASES EVERY 6 MONTHS IN THERE REPLY TO FORMER COMPLAINTS WHEN THE COUNTY HAS CONFIRMED THAT IT ONLY RELEASES TAXABLE INCOME EVERY YEAR- THUS WELLS FARGO FIGURES ARE PERJURY! 

6 ) & AGAIN XXXX  IS CLAIMING INCREASE IN ESCROW DUE TO INCREASE IN INSURANCE THAT IS BEING BILLED BOTH BY AXXXX XXXX XXXX THRU THE MONTHLY HOA DUES FOR THE STRUCTURE AS WELL AS THE INSURANCE WELLS FARGO IS CLAIMING FOR THE SAME STRUCTURE THAT CAN NOT SELL @ " ANY MARKET VALUE DUE TO THE DAMAGE TO THE STRUCTURE. 

WELLS FARGO MUST PROVIDE A SUBSTNATIAL REFUND TO CLAIMS OF ESCROW INSURANCE FOR INSURANCE THAT IS BEING DOUBLE BILLED TO THE PROPERTY OWNER. THE INSURANCE CLAIMED BY WELLS FARGO MUST BE REFUNDED -AS WELL AS XXXX XXXX DATING BACK TO XX/XX/2018 WHEN THE SALE -VOID OF DISCLOSURE WAS CLEAR TO CLOSE!

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 2022-03-12 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: OH

Complaint narrative:
I got signature loans with XXXX XXXX XXXX between XXXX - XXXX. I paid all of them on time in full. The last on either my ex husbands responsibility. These accounts are in good standing but they aren't helping my credit score. I have wrote 3 or 4 letters asking them to remove all accounts from all 3 credit bureaus but they yet to be removed. They are way over Statue of limitations limit. I don't understand why they won't delete 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 2022-03-12 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: OH

Complaint narrative:
I got signature loans with XXXX XXXX XXXX between XXXX - XXXX. I paid all of them on time in full. The last on either my ex husbands responsibility. These accounts are in good standing but they aren't helping my credit score. I have wrote 3 or 4 letters asking them to remove all accounts from all 3 credit bureaus but they yet to be removed. They are way over Statue of limitations limit. I don't understand why they won't delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax was hired to confirm a credit card acct. This was required to close. Equifax had entirely wrong information. I had to assist the. confirming correct information. Which XXXX did confirm. They then had to call my XXXX XXXX. When put on hold Equifax agent hung up. After calling them back the new agent stated he had to start all over again even though this was completed. There was no notes in the file. I asked for a manager and he put me on hold but then hung up. I never tried the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$28000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$12000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$7900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-03-12 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
At annualcreditreport.com I can never get my credit report or credit score from Equifax. I have to call the request in and it takes 15 days to get it in the mail. I got a letter from XXXX XXXX saying that my Equifax credit report or score was " bad '' and I might have to make a deposit. I can get an immediate online Equifax credit report and score if I pay those corrupt XXXX MONEY. They are trying to extort money out of me instead of complying with the law and providing my credit report to me for free online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Synchrony Bank, has no email address or phone # Listed, has been reporting Me as I am deceased. XXXX XXXX!! 
Lowe 's XX/XX/2022 Lowe 's Cancelled my application because I am DEAD, Ha!

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 2022-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I have sent all 3 credit bureaus letters about these fraudulent accounts on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans Its been over 60 days. XXXX requesting that these accounts to be removed immediately I have uploaded my Id and current address, social security card and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Supposedly I was late 30 days with a payment in XX/XX/2021. Well at that time I was in the hospital with XXXX and I wrote that down in my credit dispute and they said the dispute is over and I checked and the 30 days late is still on my report. TD BANK the company that goes into your account and takes {$30.00} overdraft fees if you got one sent over your balance. I am also XXXX and my XXXX pension and Social Security gets directly deposited into that bank so its hard for me to change without going through hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
As of XX/XX/22 my wells fargo credit card ending in XXXX was brought current. However, Wells Fargo is still reporting a past due balance of {$1500.00} to the credit bureaus. Since XX/XX/XXXX I have made additional payments to which the current balance is now {$720.00}. 

The current information on all 3 of my credit reports is inaccurate. This account is not longer past due and currently has a balance of {$720.00}. 

Wells Fargo Credit Card ending in XXXX Last four of my social security number are 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 explanation
Consumer complaint received 2022-03-12 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My identity was stolen and used to make a fraudulent purchase on a Chase XXXX Credit Card. The amount is {$1300.00}, used for a fraudulent " XXXX '' purchase. The transaction/pickup of the merchandise was made 1 hour from my residence. Why would I have a package delivered an hour away from my residence? It is fraudulent and I will have an attorney present with me in court. This purchase took place on XX/XX/2021. A police report was made, as well as contacted the attorney generals office, and made a report with the FTC. The first attorney told me I needed to hire a private investigator and would cost me more than the charge I am currently fighting. Chase will not stop harassing me for payment for this FRAUDULENT charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax deleted items out of my credit report without my consent. The loan XXXX  should be furnished on my report and today XX/XX/2022 it was removed with my consent as a consumer. I spoke with Equifax and they stated that they have the right to do whatever they want to do, which is incorrect because I am the consumer I have the right to tell Reporting Agencies what should be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: LA

Complaint narrative:
1 ) XXXX and Experian REFUSE to remove an account that was as a result of the XXXX breach, while XXXX removed the fraudulent account, despite me having a police report and complaints filed with the FTC and FBI. 
2 ) Experian has my account listed with past due amounts, delinquencies, accounts not paid on time. I have 100 % EXCELLENT PAYMENT HISTORY. 
3 ) all three reporting agencies have credit inquiries on my report that were NOT authorized! REMOVE THEM NOW

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 2022-03-12 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
To whom it may concern : My name is XXXX XXXX account ending in # XXXX, I am a loyal card holder looking for help. I was paying my bill online as I normally do and noticed charges totaling more than {$1700.00} from several merchants on XX/XX/XXXX in hopes of helping me ( a loyal customer who has ALWAYS paid my bill on time for years XX/XX/XXXX and never had a problem, not even a late payment ). I immediately called in and reported my lost card and the charges that were not from me. I was transferred to the fraud department where I explained and pointed out all those charges that were not from me. I was told someone might contact me for more information and a full investigation would be conducted. 


On XX/XX/XXXX I receive a letter stating that the investigation was complete in less than 2 weeks and a decision was made making me responsible for all charges.I have been trying to contact someone ( XXXX XXXX EXT XXXX ) from the FRAUD MANAGEMENT TEAM but oddly her phone goes directly to voicemail and she NEVER CALL BACK.even as I have left multiple voice messages stating this is a urgent matter. I am completely devastated and disappointed in your company which also seems a bit sketchy being that there are over 300 complaints similar to my situation on the XXXX website. I've never heard of a company that have a DEPARTMENT MANAGER that # 1 has no last name on the letter at all & # 2 phones go straight to voicemail and never return calls. 


I would hope to have this matter resolved as soon as possible and speak to someone who can really conduct an investigation and replace my money back on my card because I am a VICTIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S. C. 1681 Section 602 A. I have the right to privacy.

15 U.S.C. 1681 Section 604 A. It also states a consumer reporting agency can not furish a account without my written instructions. 

They sent me a lot of private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX  hereafter ( SPS ) has failed to execute their legal responsibilities to manage and execute due diligence with our mortgage and by doing has has placed us in a harmful and dangerous position due to loss of insurance coverage. 

XX/XX/2022 Request from SPS to provide copy of Homeowners Insurance Policy to SPS XX/XX/2022 Sent via XXXX XXXX XXXX XXXX XXXX XXXX to SPS XXXX. XXXX. 
XX/XX/2022 Confirmed delivery w/signature " XXXX XXXX XXXX XXXX SPS with documents requested. 
XX/XX/2022 Request from SPS for " HOA Master XXXX XXXX ''. 
XX/XX/2022 Phone call with " XXXX '' to inquire about request from XX/XX/2022. Informed were in possession of XXXX XXXX XXXX, just needed the Master HOA policy now. 
XX/XX/2022 Contacted agent XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/2022 Confirmed fax from agent for XXXX had been sent and received by SPS. 
XX/XX/2022 via XXXX mailed hard copy of XXXX XXXX Policy to Insurance Address XX/XX/2022 Received CERTIFIED LETTER " SECOND AND FINAL NOTICE '' from SPS threatening costs to us to purchase insurance for the said property. 
XX/XX/2022 Spoke with SPS Rep who advised uploading documents through portal as " XXXX '' stated our loan shows our insurance policy as " MISSING '' XX/XX/2022 Documents uploaded to SPS via their portal ( THIRD TIME ) XXXX NOTICE FROM INSURANCE COMPANY TRAVELERS CANCELLATION OF POLICY DUE TO NON-PAYMENT BY MORTGAGEE. 

This company has made it impossible to conduct business or to reach necessary personnel to assist you. I spent two days navigating the insurance department phone maze with no success for connecting to a human. I have contacted personnel, I have mailed with proof of delivery receipt documents, my agent for the XXXX has faxed necessary documents with proof of receipt.Now we are in a very dangerous position should we suffer any sort of loss due to their continued intentional negligence with regard to our mortgage. 

They have failed to exercise their legal responsibilities and duties according to law. We kindly request an investigation and answers. We have exhausted all our possible avenues and are not receiving adequate responses or assistance. 

Thank you in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: PA

Complaint narrative:
Hello over the years I been trying to dispute these account XXXX have not provided me with correct information nor answer me within the 30days time frame this is holding me back from getting my home Im trying to purchase a home As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( Equifax violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: LA

Complaint narrative:
1 ) Transunion and XXXX REFUSE to remove an account that was as a result of the XXXX breach, while XXXX removed the fraudulent account, despite me having a police report and complaints filed with the FTC and FBI. 
2 ) XXXX has my account listed with past due amounts, delinquencies, accounts not paid on time. I have 100 % EXCELLENT PAYMENT HISTORY. 
3 ) all three reporting agencies have credit inquiries on my report that were NOT authorized! REMOVE THEM NOW

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 2022-03-12 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: LA

Complaint narrative:
1 ) XXXX and XXXX REFUSE to remove an account that was as a result of the Equifax breach, while Equifax removed the fraudulent account, despite me having a police report and complaints filed with the FTC and FBI. 
2 ) XXXX has my account listed with past due amounts, delinquencies, accounts not paid on time. I have 100 % EXCELLENT PAYMENT HISTORY. 
3 ) all three reporting agencies have credit inquiries on my report that were NOT authorized! REMOVE THEM NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Paid account XXXX XXXX XXXX in XX/XX/XXXX. The credit company did report the amount owed as {$0.00} in XX/XX/XXXX, but it is still listed as a collection on TransUnion now in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This old debt from before XXXX for an Auto purchase loan for about {$2500.00} they now want {$12000.00} for this charged off debt. This Charged off debt is continually being sold from one collection agency to another. 

In XXXX the prior collection agency Asset Acceptance , LLC sued me and the XXXX XXXX Court dismissed the debt. 

About ever 12 to 15 Months, I receive a new threat of reporting me in collection to the Credit Bureau 's and to be sued from an other Collection agency that they have sold information. 

Attached is the current threat as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
First I complained about an unauthorized card. Now they cancelled my card and kept my money. " Serve '' prepaid American Express.

Company response to consumer: Closed with non-monetary relief