vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a mortgage with wellargo bank and wells Fargo is stolen XXXX from my mortgage account on the escrow account. the case is in court now and wellsfargo refuses to give a fair review on my account though I asked multiple times now. it is the obvious reason wellsfargo donot wany=t justfy reasons for fake charges. I need help because the court is not responding on my case now. I lost $ XXXX on this no settlment reached now.. I can provide all evidence that have with me. please talk to me before closing my account

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 2022-07-10 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Accounts # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grow Credit Inc
State: CA

Complaint narrative:
Their autopay system failed to process my payements even though I had funds in my account. I reached out to their team but they just won't give me straight answers as to what happened. 

This already negatively impacted my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: Conn's, Inc.
State: CT

Complaint narrative:
Someone ran my credit today, XX/XX/2022 from a different state for appliances. I DID NOT apply for credit anywhere today! Especially in Texas. I'm getting the run around from the company- Conn 's Appliances in Texas XXXX This is a " buy here pay here appliance store. First they said their systems are down and to call in a few days. I called back and the transferred me to their Fraud department- I was immediately disconnect. I call back, they sent me to the fraud dept again and the phone rang for 3 straight minutes with no answer, no voicemail etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have a BJs comenity credit card. It has been unusable since XX/XX/22. The card payment is up to date and there is available credit on the card. There is no way to contact Comenity because they continue to say their offices are temporarily closed. This is supposedly due to a scheduled update. The company hasnt been accessible and have given no explanation other than the update has taken more time than expected. I would like someone with authority to check into this as Comenity has no regard for their loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
They keep calling me frequently about 34 times a month from different numbers asking me for my information telling me about the debt when I already know and I know that I paid the momey i owed but they continue to add late fees to the account.

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 2022-07-10 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: FL

Complaint narrative:
XX/XX/2022 Good day- I would like to inquire on how/why there is a balance with XXXX XXXX. I sent in several letters that indicate that this was fraud. 
You removed it off my credit file. 3 years later you tell me its had been validated and its not fraud. No one can tell me why its not fraud, can not send me anything with my original signature, on even a charge but its still on my report with an open balance. 
Can you explain how can something be charged off and have a balance? If its charged off then it was then written off as bad debt by the company and in this case it would be XXXX  XXXX. SO if its written off by XXXX XXXX, why am I showing a balance on something that was already written off the companys profit and loss statements? Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX. 
So Experian is not actually verifying the legitimacy of the reporting, they are basically relying on the furnisher to ensure that this is correct. THE FCRA compliance bulletin XXXX requires hat furnishers conduct a investigation of disputed information. How can this have been completed if it still is not Metro 2 compliant? Can someone please let me know.

That is not the law.

If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A NEE NEW REPORT WITH THE DELETION> Again, you are reporting this and its inaccurate. MY children and I will be on XXXX XXXX due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report.. 
Thanks 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 2022-07-10 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: FL

Complaint narrative:
XX/XX/2022 Good day- I would like to inquire on how/why there is a balance with XXXX XXXX. I sent in several letters that indicate that this was fraud. 
You removed it off my credit file. 3 years later you tell me its had been validated and its not fraud. No one can tell me why its not fraud, can not send me anything with my original signature, on even a charge but its still on my report with an open balance. 
Can you explain how can something be charged off and have a balance? If its charged off then it was then written off as bad debt by the company and in this case it would be XXXX  XXXX. SO if its written off by XXXX XXXX, why am I showing a balance on something that was already written off the companys profit and loss statements? Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX. 
So Experian is not actually verifying the legitimacy of the reporting, they are basically relying on the furnisher to ensure that this is correct. THE FCRA compliance bulletin XXXX requires hat furnishers conduct a investigation of disputed information. How can this have been completed if it still is not Metro 2 compliant? Can someone please let me know.

That is not the law. 
If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A NEE NEW REPORT WITH THE DELETION> Again, you are reporting this and its inaccurate. MY children and I will be on the street due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report.. 
Thanks 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 2022-07-10 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: TX

Complaint narrative:
I reported all XXXX major credit bureaus XXXX, Equifax, and XXXX that the collection from XXXX XXXX for XXXXXXXX XXXX XXXX has many inaccuracies. 
XXXX and Equifax reporting a high balance of {$1500.00}, and XXXX is reporting a high balance of {$1500.00} which is different from XXXX and Equifax. 
Balance owed XXXX and Equifax reporting {$1600.00}, and XXXX is reporting {$1600.00} however the Balance owed is higher than the high credit and amounts are different as well. 
Account number for XXXX and Equifax are different from XXXX. 
Date of last activity for XXXX is XX/XX/XXXX, Equifax is XX/XX/XXXX and XXXX date is XX/XX/XXXX all XXXX dates are different from each XXXX bureaus. 
XXXX is reporting on account status as open which is if its in collection account status can not be listed as open account. Equifax and XXXX account status is listed as closed again all XXXX bureaus reporting inaccurate information on my file credit. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying having to pay high interest due to these inaccuracies. 

XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX -- XXXX High Balance : {$1500.00} -- {$1500.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- XX/XX/XXXX Date Reported : XX/XX/XXXX -- XX/XX/XXXX Date Opened : XX/XX/XXXX -- XX/XX/XXXX Balance Owed : {$1600.00} -- {$1600.00} Closed Date : -- -- -- Account Rating : Derogatory -- Derogatory Account Description : Joint -- Joint Dispute Status : Account not disputed -- Account disputed Creditor Type : Collection Services -- Other Collection Agencies Account Status : Open -- Closed Payment Status : Collection/Chargeoff -- Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- Consumer disputes thisaccount informationSubject has not XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Payment : -- -- -- Past Due Amount : {$0.00} -- {$0.00} Account Type : -- -- -- XXXX XXXX XXXX XXXX Account # : -- XXXX -- High Balance : -- {$1500.00} -- Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX -- Date Reported : -- XX/XX/XXXX -- Date Opened : -- XX/XX/XXXX -- Balance Owed : -- {$1600.00} -- Closed Date : -- -- -- Account Rating : -- Derogatory -- Account Description : -- Joint -- Dispute Status : -- Account not disputed -- Creditor Type : -- Other Collection Agencies -- Account Status : -- Closed -- Payment Status : -- Collection/Chargeoff -- Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. 
-- Original Creditor : -- XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : -- {$0.00} -- Account Type : -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
I advised that this account that is reporting on my credit profile through XXXX as of XX/XX/2017 from an unknown collection company by the name of Choice Recovery for the amount of {$600.00} do not belong to me and is reporting inaccurate incorrect information on my credit profile this medical bill showing up on my credit profile is not mine. I do not go and have not been to any hospital 's or doctors ' in Over 20 years. I only use natural remedies only I do not believe in XXXX XXXX or prescriptions. XXXX is breaking the law along with Choice Recovery with report inaccurate incorrect information. Per 15 U.S. code section section 1681b ( g ) ( 3 ) prohibits such information from these collection companies and credit report agency from breaking the law with their alleged investigation 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
They keep calling me frequently about XXXX times a month from different numbers asking me for my information telling me about the debt when I already know and I know that I paid the momey i owed but they continue to add late fees to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus stated my account was properly investigated, but how is that possible if the high balance, last verified dates, dates of last activity, date reported, date opened, balance owed, creditor type, last payment, term length, account type, payment frequency, payment status, account status, XXXX-year history, payment status, and days late- 7 year history are not accurate. This is grounds for removal and they also violated my rights under 15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10 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: FL

Complaint narrative:
The credit bureaus stated my account was properly investigated, but how is that possible if the high balance, last verified dates, dates of last activity, date reported, date opened, balance owed, creditor type, last payment, term length, account type, payment frequency, payment status, account status, XXXX-year history, payment status, and days late- 7 year history are not accurate. This is grounds for removal and they also violated my rights under 15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TN

Complaint narrative:
At the beginning of XXXX I was charged twice by the same merchant for the same service. So because the Merchants resolution process could take up to 90 business days I called my Bank Credit Karma Money Spend Account ( MVB Bank ). I notified them that I wanted to file a dispute for the double charge and provided them with the evidence of these duplicate transactions. Upon doing so my account was immediately locked or frozen, then several days later I recieved a notice via email that my account had been provisionally credited for the amount pending the remainder of the investigation. The only issue is that my account remained locked and completely unusable and has since that date. I never received an alert, a warning or a notice that my account was being locked or reviewed. No one contacted me and has not reached out to me since. When I contact customer support I am told the same answer every time. " We can not see any information about your account but it is under review by our " higher team '' and this " Higher Team '' can not be contacted by phone or email. They will reach out to you within 10 business days with a response or resolution about your account. Well its been over 45 days and my account is still locked, all the money i had was in that account and I have a family to take care of. I have since received several emails saying my account is still under review and other emails stating that my account is closed and the money would be sent to my linked external checking account within 5 business days. Still nothing. Still no response or details, this just can not be legal. I need someone to look into this, after reading up on my situation online I can see that thousands of other people have had the same experience. It's time someone puts a stop to this, its not ok. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX. I am writing this complaint myself, there is no third party involved. After reviewing my most recent credit report from EQUIFAX I noticed fraudulent and unauthorized inquiries on my report. I have filed an FTC report and sent EQUIFAX a handwritten notice and identification ( tracking # XXXX XXXX XXXX XXXX XXXX ) with instructions to delete 8 fraudulent and unauthorized inquiries within 4 days, pursuant to 15 USC 1681c-2. I am demanding the immediate deletion of a collections account for {$240.00} listed with incomplete information. I do not recognize it as an obligation of mine. 
There is no creditor listed and no contact information to inquire for more details. It is impossible that EQUIFAX could have validated and verified this account before reporting it without detailed information on the creditor and the account. In addition, I am also requesting a full record of how the collection account from XXXX XXXX was validated and verified. EQUIFAX must prove to me that they are in full compliance with the FCRA and FDCPA, as I'm aware that credit reporting is voluntary and not mandatory, I do not recall giving XXXX XXXX written permission to report private potentially negative information to a third party, nor did EQUIFAX receive such consent from me. It is against federal law to report alleged debt when the account has not been properly verified and validated with original documentary evidence. EQUIFAX must provide me with such documentary evidence or remove the XXXX XXXX account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I signed up for XXXX ads ( Account XXXX ) based on our business budget. Please see the Attached screenshot XXXX XXXX Agreement, as it says : Keeping with average daily spends of {$19.00} across all account, which fits our budget no more than {$600.00} per month. 

In XXXX, I was shocked by the amount automatically charged from my credit cards almost {$500.00} every 4-5 days. ( My normal XXXX Ad through this account is no more than {$60.00} per month ) I was charged {$2000.00} in XXXX alone on the card end with XXXX, plus {$1000.00} for just HALF MONTH on XXXX on the card end with XXXX. 

The details are as below : On card XXXX : {$500.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX, {$500.00} on XXXX, {$500.00} on XXXX ( that is billed on XX/XX/XXXX, the last day of XXXX by XXXX ). 

On card XXXX : {$500.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX. 

After a dispute, I received only the wrong charge on XX/XX/XXXX and XX/XX/XXXX, but not those on XX/XX/XXXX and XXXX, which is a total of {$1000.00} wrongful charge.

Company response to consumer: Closed with monetary relief