vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
There is a fraudulent account on my report that shows as a charge off but still shows a past due balance.

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 2021-06-16 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: LA

Complaint narrative:
I HAVE DISPUTED THESE INACCURATE INQURIES WITH EXPERIAN SEVERAL TIMES AND THEY ARE SAYING THEY VERIFIED THEM AS ACCURATE, BUT THEY AREN'T I NEED THESE REMOVED ASAP.
THE INQURIES ARE LISTED BELOW:

XXXX  XXXX XXXX
Inquiry date:XX/XX/XXXX
XXXX XXXX XXXX  Bank Credit Cards
Inquiry date:XX/XX/XXXX

XXXX XXXX XXXX  Bulk Purchase Finance - General
Inquiry date:XX/XX/XXXX

XXXX XXXX XXXX XXXX
Bank Credit Cards
Inquiry date:XX/XX/XXXX

JXXXX XXXX
Bank Credit Cards
Inquiry date:XX/XX/XXXX

XXXX XXXX
Bank Credit Cards
Inquiry date: XX/XX/XXXX
XXXX  Finance Companies - non specific
Inquiry date: XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was charged an overdraft fee on my Wells Fargo Checking account when the balance was shown as positive in the App after said transaction. The representative states that there was a previously posted transaction in the system which was placing my account as a negative Balance, yet that was never shown on the Wells Fargo App. I am now being charged a {$35.00} fee for a transaction that did not reflect to have sent my account into the negative. Furthermore, said transaction was a funds transfer through their XXXX system, and this system will not permit a transaction to be processed unless funds are available at the time of 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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to this company to request that inaccurate addresses be removed from my credit report. There are 2 addresses that are inaccurate on my report and as a consumer my results have not been furnished.

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 2021-06-16 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:
There are two accounts on my credit report that are not mine I need these off my credit report since I dont knwo what these are and I have not signed or authorized any amount like this what is going on??? 


XXXX XXXX - Account # XXXX Amt {$0.00} Opened XX/XX/2015 XXXX  - Acct # XXXX Amt {$0.00} Opened XX/XX/2015 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: PA

Complaint narrative:
I am writing to delete the following information in my file.I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level. The items I need deleted are listed in the report.I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Affidavit. Please delete the items as soon as possible. FDCPA SECTION 807 VIOLATION for misleading false reporting! Along with the violation of my right to privacy 15 USC 1681 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
I LOOKED AT MY CREDIT REPORT TODAY, AND XXXX SHOWS FROM THE MORTGAGE COMPANY, PHH MY LAST PAYMENT WAS MADE ON XX/XX/2021 WHEN IN FACT THE LAST PAYMENT OF {$1900.00} WAS MADE ON XX/XX/2021. THE DATE OF THE UPDATE ON TRANSUNION IS XX/XX/2021. PLEASE HAVE PHH UPDATE ALL CREDIT REPORTS TO REFLECT MY XXXX  PAYMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Received an envelope with a promissory note of an {$800.00} loan and total loan amount to pay back {$2000.00}. This is Fraud!! Cashnet USA is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: PA

Complaint narrative:
There are two accounts on my credit report that are not mine I need these off my credit report since I dont knwo what these are and I have not signed or authorized any amount like this what is going on??? 


XXXX XXXX - Account # XXXX Amt {$0.00} Opened XX/XX/2015 XXXX  - Acct # XXXX Amt {$0.00} Opened XX/XX/2015 2015

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 2021-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My mortgage company M & T Bank is currently giving me the run around. I am under the Covid 19 Forbearance program. I have asked on numerous occasions that I have various different options to pay back the forb payments. One of the options is a loan modification. I have asked on numerious times for a loan mod. The mortgage agents have told me I do not qualify, I do not qualify for a hamp mod because I have to have my mortgage with them for one year. Finally I called FHA and they told me that I do qualify for a HAMP MOD and I would qualify for a lower rate. So they gave me a case number XXXX. They told me to call M & T back and speak to a manager. Again I call and I finally thought I was making progress I get transferred to a female who said she was a manager and her name was XXXX she told me that I was right and that they never reached out to FHA to see what rate I would qualify for to get the loan mod. She told me that she would do everything possible to assist me and get with the loss mit team and contact FHA to resolve this matter she told me she would call me back in one week. Well today I get a call from M & T bank asking me if I decided on what options I wanted to do to repay the forb payments, when I asked about the manager calling me back and loan mod hamp she told me she did not see that anyone was scheduled to call me back, Again I am getting the run around. I need to file a law suit or take legal action and I need FHA to get involved ... ..I am not getting the assistance that they promised and I continue to be lied to ... ..and I believe that the agents are claiming to be managers but only pass me over to one of their co-workers which is misrepresenting their company. I want to see what I can do legally for M & T bank giving me the run around

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 2021-06-16 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: I.C. System, Inc.
State: KS

Complaint narrative:
Hello, I have been trying to get this problem fixed since XX/XX/2021 with XXXX  and XXXX  and these reporting company hasn't sent me ANYTHING regarding this alleged debt. They haven't verified this XXXX Company debt and they haven't sent me any documents that i asked for or anything. So i am so confused who will be able to help me get this removed. Also the debt collector is I C SYSTEM and also hasn't notified me in any way ( 15 usc 1692g ) variolating my rights and keeping me in the dark I'm starting to feel like they are knowingly reporting false information and they wont fix it. It is really stressing me out since it's really been over 100 days of me trying, calling, and sending in disputes yet this XXXX Account is still on my report for no reason. They have violated so many consumer laws it is crazy. 15 united states code 1681 ( i ) ( a ), 1681 ( i ) ( 2 ) ( a ), 1681e ( b ) are just a couple and it should be deleted off my report immediately. Or else I will be forced to litigation since they seem to not be compliant with the law. 15 usc 1681n for willful noncompliance.

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 2021-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX, my address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, my cell # is XXXX. I am a customer at the Capital One Bank in XXXX XXXX location. My father passed away and I am the only ( one alive ) beneficiary on his bank account. He has a large amount of money at Capital One bank in XXXX XXXX. This branch doesnt have customer service. I had to go to a teller, and XXXX the teller, submitted forms that I had to sign along with death certificates which were faxed to the legal department. These matters are only done by their legal department via email and phone. After several emails since Mid XXXX, I didnt get any response, so I called the legal department only to find out Your fathers account has been closed, but I didnt receive a check. The customer service person in the legal department, just kept repeating that without any explanation as to why. So I went back to the XXXX XXXX branch. Since all services are done thru the tellers window, I had to stand on a long line for over 30 minutes, then at the teller window for over 1 hour so they can locate my fathers account. I have a XXXX XXXX and standing causes XXXX XXXX. The teller finally did find the account. Apparently the legal department placed my fathers account under my name and closed it out under his name. But no check was issued to me.After more then a week, I then had to go back to the bank because I did not get any response or a check still. I was told by XXXX the teller that they needed again the death certificates of my father, mother and brother as they are all listed on the account, but all passed away. Again I gave the teller original death certificates to send to the legal department. Still no response a week later. My lawyer XXXX XXXX XXXX, XXXX  XXXX ) even contacted them, but no response to him either.. This is also holding up my fathers estate. My calls, emails and trips to the bank is doing nothing. I also have a large sum of money in this bank. Im concerned that something will happen to all this money. Because there is no reason for this bank to not release the money. Please help me receive the money my dad worked so hard for and that belongs to me so we can also finish the estate. I dont trust this bank. The bank is robbing me. Capital One contact information is : Bank XXXX XXXX Account Ambassador ; XXXX, Customer Service Phone : XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
My case numbers are XXXX-XXXX-XXXX XXXX and XXXX-XXXX-XXXX. XXXX. I have additional documents I need to provide but unfortunately I do not have a username and password. On XX/XX/XXXX, XXXX XXXX misappropriated my mortgage payment instead of correcting its system on XX/XX/XXXX, it filed foreclosure proceedings against me. From XX/XX/XXXX until the present XXXX XXXX  have filed false claims using the same transaction on XX/XX/XXXX, as an excuse to financially abuse me. On XX/XX/XXXX, the Federal BR Court held that XXXX XXXX 's claims and filing were invalid. On XX/XX/XXXX, after I paid my property taxes, On XX/XX/XXXX, XXXX XXXX  reversed the payment as well as added a known abuser 's name to the complaint whose name is not on the note. XXXX XXXX  continue to publish a false chain of title which eliminated the first ten pages of the document attached to their false claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: IL

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had complete fraud on my account and need ALL my funds

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 2021-06-16 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: I.C. System, Inc.
State: GA

Complaint narrative:
I moved out of an apartment where I had XXXX internet and cable service. It was month to month with no contract. I moved in Late XXXX, early XX/XX/XXXX. I made my last payment XX/XX/XXXX. I have an email thanking me for the payment. I called to disconnect the service and was given instructions to return the equipment to avoid additional charges. I returned to a XXXX  store in XXXX, Ga. I called back to confirm receipt of the equipment and no outstanding balance. I was told there isn't a balance " at this time '', and they could see where the equipment was received in. I provided a forwarding address, and they had my email and phone number since XXXX. I have not received anything more than promotional emails from XXXX  until today XX/XX/XXXX getting an alert that my credit report changed. I looked at it and there was a collection from I.C. Systems with an approx. {$250.00} balance. I called to verify and was explained that it was from XXXX. I explained everything stated above to them but they were only interested in collecting the debt, even offering a settlement. I told them I didn't feel that it was correct. And if there is was a balance, I should have been notified prior to it being placed on my credit as a collection. I have had no notice of a past due balance for the entire time. This has to be some type of violation of consumer rights. It places a negative impact on my credit report and it is a unfounded charge that they mysteriously generated after almost 2 years, without notice.

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 2021-06-16 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: LA

Complaint narrative:
I HAVE REPORTED THIS INACCURATE SEVERAL TIMES OVER THE PAST YEAR, TRANSUNI ON ISNT DOING PROPER INVESTIGATION AND ONE OF THE INVESTIGATION TOOK LONGER THAN 30 DAYS. THE ACCOUNT IS LISTED BELOW : U.S. Bankrup tcy Court

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 2021-06-16 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: PA

Complaint narrative:
I have called and wrote in asking for an investigation for the false reporting or late payments. Under the law of federal consumers rights i am instructing you right now 15usc 81 b a 2 to remove it according to my written instructions i did not give you all pro mission to fernish any of said information. Not reporting 100 percent accurate i see errors which are FCRA violation and the law is set in place for my protection against companies like such.

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 2021-06-16 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: PA

Complaint narrative:
I have called and wrote in asking for an investigation for the false reporting or late payments. Under the law of federal consumers rights i am instructing you right now 15usc 81 b a 2 to remove it according to my written instructions i did not give you all pro mission to fernish any of said information. Not reporting 100 percent accurate i see errors which are FCRA violation and the law is set in place for my protection against companies like such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: KS

Complaint narrative:
Hello, I have been trying to get this problem fixed since XX/XX/2021 with TransUnion and XXXX and these reporting company hasn't sent me ANYTHING regarding this alleged debt. They haven't verified this XXXX XXXX debt and they haven't sent me any documents that i asked for or anything. So i am so confused who will be able to help me get this removed. Also the debt collector is XXXX XXXX XXXX and also hasn't notified me in any way ( 15 usc 1692g ) variolating my rights and keeping me in the dark I'm starting to feel like they are knowingly reporting false information and they wont fix it. It is really stressing me out since it's really been over 100 days of me trying, calling, and sending in disputes yet this XXXX Account is still on my report for no reason. They have violated so many consumer laws it is crazy. 15 united states code 1681 ( i ) ( a ), 1681 ( i ) ( 2 ) ( a ), 1681e ( b ) are just a couple and it should be deleted off my report immediately. Or else I will be forced to litigation since they seem to not be compliant with the law. 15 usc 1681n for willful noncompliance.

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 2021-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a complaint about bank of america I have been thru preditory lending and paying 2 insurance company 's for 3 years and I have XXXX XXXX and I was sent to fight the insurance company for the money back to give to bank of america which was very stressful.This t has caused us to fall back negitive in escrow. I have in writing and the housing councling at HuD XXXX XXXX XXXX XXXX XXXX that we were to pay {$900.00} a month and we had {$2300.00} in the positive for escrow they sent us letters saying our mortgage was {$580.00} and my husband and I got into a big argument about what to pay for mortgage so for four or five months he would only pay {$580.00} and we would be behind {$1500.00} in which we had XXXX in escrow at this point now we are in negitive again. The mortgage asked us to pay was supposed to be broken down into escrow and principle and the have been paying it all to principal only again causing us to be in negitive in escrow.bank has raised our mortgage to {$1000.00} killing us

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