vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have received repeated telephone calls from a caller identifying itself as Goldman Sachs, the two most recent from XXXX XXXX. The caller claims that I owe more than {$500.00} to Apple for purchases made on an Apple credit card. Because I have done business with Apple in the past, I called and was assured that I have no outstanding balance and that Apple does not request payments by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GB Collects, LLC
State: CA

Complaint narrative:
Despite communications with XXXX XXXX who is the original creditor that no balance was due to them, they turned over this bogus balance over to an outside collection agency. I have tried multiple times to find out what happened and merchant keeps giving me the run-around and false promises. In the meantime, they have destroyed my credit on a fraudulent baseless allegation of a balance due which had previously been satisfied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was notified by email last week that an account was opened at Citizens bank in my name. I did not open the account. Today I closed the account with the fraud department at the bank and they told me to also open an account here. So someone stile my identity and I'm reporting it to you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief
Consumer complaint received 2022-01-11 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:
Equifax has refused on to remove/delete false, incorrect information from my credit report on multiple occasions. Current accounts in question are US DEPT ED XXXX US DEPT ED XXXX On numerous letters direct to Equifax and sent through CFPB I have expressed and made them aware of false incorrect information reporting on these two accounts. On each dispute they have verified or updated account but account still shows inaccurate/incorrect information reporting. Leaving me to believe either this account does not belong to me or they are ignoring my request. Once again this account reflects a balance I do not recognize, the account is reporting multiple inaccuracies across all 3 different bureaus XXXX, Equifax, and XXXX. I have already sent in documents showing the incorrect information from all three bureaus. I will send in supporting evidence once again. Equifax, when I send them in this supporting evidence likes to open and close accounts in question. They opened account in XXXX, closed accounts in XXXX, XXXX now they opened the accounts for month of XXXX. On numerous disputes Equifax has closed the accounts, then later opened the accounts on my report allowing for my credit score to sway back in-forth being very detrimental to my well being. These accounts are reporting as collection account but Equifax has them open once again also with late payments. These are major errors and I have repeartedly asked them to remove these errored accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: DC

Complaint narrative:
On XX/XX/2021 I sent a letter to the XXXX XXXX department for XXXX XXXX XXXX regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much distress, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.

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 2022-01-11 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: DC

Complaint narrative:
On XX/XX/2021 I sent a letter to the XXXX XXXX department for XXXX XXXX XXXX regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much XXXX, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: DC

Complaint narrative:
On XX/XX/2021 I sent a letter to the XXXX XXXX department for XXXX XXXX XXXX regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much distress, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express credit card annual fee for me renews every XXXX. In XXXX of XXXX they offered XXXX of their points to renew. In XXXX they had not added it so after contacting them again they corrected their mistake and added them. In summer of XXXX they increased their annual fee and when I went to close my account a year later in XXXX of XXXX they are preventing me for the earlier reason. They are saying there is a XXXX dollar charge to close the account within 12 months even though their offer for the retention was made in XXXX this 14 months. American Express will only allow me to pay XXXX dollars to stay or XXXX to close my account even though I have held my end of the 12 months and they raised the fee nearly XXXX dollars a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I received a text claiming they were Wells Fargo XXXX they were trying to XXXX funds claimed they had to block numbers and transfer funds in order to stop scam when I went into my account my funds were gone I then called Wells Fargo they said to wait I called back on Friday XX/XX/XXXX they finally filed two claims one for {$1000.00} and one for {$700.00} told me I had to wait up to ten days for conclusion. I have been calling on XX/XX/XXXX I called back they closed my claim on XXXX I never received a call back and they are telling me sorry there is nothing we can do you have been scammed!!! I cried!!! It might not be much money but Im on XXXX and its all I had. I am extremely devastated Ive been banking with Wells Fargo and on the online app they guarantee XXXX transactions unless authorized well it was authorized to me!! But was never deposited into my account.. PLEASE HELP!!

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 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
I disputed an alleged debt with Caine & Weiner. All of the consumer reporting agencies deleted this account from Caine & Weiner off of my consumer report. Caine & Weiner has since reinserted this unverified, inaccurate, alledged debt to XXXX again. This is a direct violation of the Fair Credit Reporting act. According to 15 USC 1681i ( B ) ( II ) a written notice must be given no later than 5 days after reinsertion. I never received any notice. Caine & Weiner also violated 15 USC 1681i ( B ) ( I ) which states that information cant be reinserted without the information being reported 100 % complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I already have a US Bank Credit card. I tried opening a easy checking account. It asked do you have some existing relationship with us, I said yes and tried to login. It gave me an error that it can not pre-fill the form and I need to enter all the information. I filled all the form accurately and then it declined my application. This account had a promotion also and I will miss the promotion if the account is not opened. 

I got this email We appreciate your interest in a U.S. Bank account. Based on the information you provided, were unable to grant your request for the following account : U.S. Bank Easy Checking The decision was made as a result of additional verification attempts made to protect your identity. In review of your application, there were inconsistencies in the information provided. As a result, an account can not be opened for you at this time. Please visit a U.S. Bank branch in person to provide proper identification. We take our customers identity and privacy very seriously and appreciate your understanding. 
XXXX ID : 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 2022-01-12 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: NC

Complaint narrative:
On the morning of XX/XX/XXXX I received an email from Wells Fargo stating that overdraft protection had been activated for my checking account. I logged into my Wells Fargo account to see why this was and discovered that 2 fraudulent payments had been made on my account. The first charge was posted on XXXX for {$2500.00} for XXXX XXXX to " XXXX XXXX XXXX XXXX'. The second charge was showing on the XXXX but according to the Wells Fargo website didn't actually post until XXXX for {$4500.00} for XXXX XXXX to " XXXX XXXX  XXXX ''. I do not have credit or debit accounts with either bank in the posted transactions. I do not share my online banking information with anyone and only ever log in from my personal computer or phone on private networks. After discovering these charges I changed my account password and then immediately called Wells Fargo at the number XXXX at XXXX XXXX on XX/XX/XXXX. When I was connected to a representative I informed them of the fraudulent charges. The representative attempted to cancel the charges but was unable to do so. For security reasons the representative put a temporary freeze on my online banking, changed my username, password, and account number, as well as started a fraud case for me. On XX/XX/XXXX Wells Fargo mailed an Online Fraud Affidavit for me to fill out and I received it on XX/XX/XXXX. I filled out the affidavit and returned it to a Wells Fargo in XXXX, North Carolina on XX/XX/XXXX where a banker was able to assist me finishing filling it out and faxed it in to Wells Fargo 's fraud department. On XX/XX/XXXX I received a letter from Wells Fargo saying that they had completed their investigation and denied my claim due to the fact that the transactions were requested during a secure online banking session using my username and password. I called Wells Fargo at the number XXXX at XXXX XXXX on XX/XX/XXXX after receiving the letter to find out why my claim had been denied. The representative on the phone was unable to give me specific details about why my claim was denied. She was able to put in a request for the documentation used in the investigation to be sent to me and let me know it may take up to 30 days to receive it. As of XX/XX/XXXX I have very little information about why my claim was denied and will continue to appeal it.

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 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EnTrust Funding
State: MD

Complaint narrative:
On Friday, XX/XX/2022, I received a letter from Entrust Funding, LLC ( see attached ). As indicated in the letter, by refinancing my mortgage at a rate of 2.25 % for thirty years, I would be able to lower my monthly payment to {$1500.00} ( from {$1700.00} ), and thus receive annual savings of {$6600.00}. 

Since my current mortgage rate is 3.25 %, I contacted the EnTrust Customer Support Representative XXXX XXXX XXXX to find out how I could take advantage of the offer. XXXX told me that the offer was for an XXXX  loan and that I would need to purchase Mortgage Insurance amounting to approximately {$200.00} per month. If I agreed to purchase such insurance, the benefit of refinancing would disappear since the total new payment ( mortgage + mortgage insurance = {$1700.00} ) would be approximately equal to my current payment of {$1700.00} per month. 

I told XXXX the letter received from Entrust was misleading ( bait and switch ), and I was not interested in pursuing the matter any further. After I hung up, I received a phone message from a XXXX XXXX XXXX (? ) ( XXXX ) who claimed to be an EnTrust VP. When I called back, I couldn't reach XXXX XXXX. 

I am making this complaint because I feel the EnTrust letter was misleading and that the offer made was not serious. The only possible harm I have suffered is the possible hit on my Credit Score due to the credit inquiry made by EnTrust. Also, given the shady nature of the EnTrust offer, I am somewhat worried because I provided my SSN and my wife 's SSN to EnTrust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: VA

Complaint narrative:
This XXXX XXXX placed accounts under my name at different times with different balances without my consent. They also reported them to my credit reports. We spoke with their employees namely XXXX XXXX - introduced as a sales consultant, & manager XXXX XXXX who both claimed not to work on commission. They enticed us saying we're making good financial investment, that it has some tax benefits similar to owning a 2nd home. They promised that XXXX XXXX would be possible. They also told us that we can make money from the timeshare if we decide to sell it later on especially because the resale value would also go up. They promised us not having to pay maintenance fees again. We were absolutely profiled, they asked us if we have credit cards, married, employed etc. Then they make it sound like they're giving a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. They promised us money, free vacations anywhere we want on top of the regular purchase which we weren't able to use because we never really received or got any of them as promised. We were also pressured by telling us that it's our last chance at the lowest price. They had us opened a credit card but we never signed any application, never received any copies of application, we were never informed of card or any other fees involved. Everything was rushed, they didn't even allowed us to read & fully understand the contract, we were also under the XXXX of XXXX. They have our IDs, we also felt threatened when they told us we have no choice but to do this. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. We could not get any answers after multiple attempts of trying to cancel, they just wouldn't let us cancel. We struggled with financial difficulties caused by this timeshare, plus the Covid issues that we made them aware of & that we just couldn't afford this. We're experiencing stress, high tensions because of multiple issues caused by this timeshare, we even loose sleep over the stress brought by this. Worst parts of my experience with this was not being told the truth about what was being purchased, telling us they are consultants, lies about maintenance fees. Overall, we felt manipulated, taken advantage of, lied to & defrauded throughout the entire thing. They'd even go as far as telling us that we had no choice but to purchase this.

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Over the last 3 years I have Dealing with Equifax regarding fraudulent information on my credit report. My credit report was duplicated, and they add lots of fraudulent information that did not belong to me. After several months fixing the problem of the duplicated report, they completed the process of separating the reports. On my report they pass many incorrect and fraudulent information from the removed report from other person. I have provided evidence of my identity of my address, police reports, etc. etc. more than 20 page of evidence and they refuse to remove the information after being provided with proof. When I call, they say its because of documentation or different excuses each time. They do not response to letter, we must spent 2 hours on the phone to talk to an agent, most of the time their system is down, or they agents hang up the phone. Also, when I disputed by fax they sent letters indicating the information was removed from the report, but they never do so and at the same time they send a second letter indicating they need additional information regarding identity. They Have from me my US passport, Drivers Lic. Concealed weapon lic, birth certificate, social security, and all the legal information needed including at least 4 address evidence on myt name. This has become a nightmare, and they do not work with customers, they do whatever they want, and each agent provides illegal information not supported by law on each call information like, Inquiries are not covered under the FCRA, we do not accept birth certificate, we do not have to remove the information after 30 days. Etc. etc. They are rude over the phone, 80 % of the calls are terminated by them when they see to many issues on the cases, or when its to early or 30 minutes before closing. 8 from 10 calls they do not have system available. Please do something Equifax is the worst company ever. And no body does anything with their illegal and ride practice.

Company response to consumer: Closed with explanation