vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/XXXX, i sended a money transfer by XXXX thru my bank ck acc ( Wells fargo ) ( {$300.00} ) for a wrong phone number and called back right way to the wells fargo bank and explained my error and they opening a claim ... Time passed by and after 15 days, i called and the bank said was not they error and is not they responsability and the case is closed. 
I founded by the old number, who received the money thru anothers pay app, and the person name is XXXX oneill ( old number on my XXXX XXXX actual number ) ..I text to her and she respond and said the money was reversal on XX/XX/XXXX and the bank will contact me and that never happen! and she sended the copy of the transition ... I went on the bank after 3 days online apointment ( Confirmed by my email ) and explain again in person and they said my clain was not closed ( Lied to me ) and them i called and open another claim on executived office ( claim:XXXX ) on XXXX and today on XXXX they said the same thing again over the phone ... ..Was not they error and the case was closed! and them i reopening another claim after talk to a executive officer ( mr XXXX J-Wells fargo ) claim XXXX.need Help! And for who may concern, very truly yous, XXXX XXXX XXXX and customer of well fargo banking and account end on -- XXXX -- -My phone numberXXXX Email : XXXX Thank you!

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 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc.
State: GA

Complaint narrative:
American First Finance has attempted to contact me numerous times everyday for the past month, to the point where it has upgraded to complete harassment on their part. They have refunded money to my accounts, only to debit it back out in order to keep their collection tactics active and continue to harass. The amount being collected on has been contested by myself and my financial institution and several stop pays have been initiated, costing me even more money from my bank, XXXX. It has been a true terror dealing with this company and I really hope this report is a warning to other on doing business with American First Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: NY

Complaint narrative:
Subject Fair Credit Reporting Act 609 I want from Equifax The Original Contract Pay off disclose Interest pay disclose Balance History Payment history Credit insurance From XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: TX

Complaint narrative:
XX/XX/2021 : Fake debt collector insisting to talk to a person that I do not know and who is not related to my phone number. Already told him not to call anymore, but they still called until the number is blocked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: DISCOVER BANK
State: CT

Complaint narrative:
These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft DISCOVER FINANCIAL SER Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX {$7300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: TN

Complaint narrative:
The Original Creditors XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX already sent the Credit Reporting Bureaus letters requesting for the deletion of my XXXX XXXX XXXX XXXX and XXXX XXXX IN XXXX account which XXXX and XXXX grant the request and remove the account. I tried to call XXXX XXXX XXXX XXXX XXXX and they said that to call Equifax about it. I also called XXXX XXXX XXXX and they said that the deletion request has been sent on XX/XX/2021. I called Equifax and the person that I talked with said that they did receive deletion request letters and wait for the next billing cycle. I received a letter from Equifax dated XX/XX/2021, that states that they have verified the account and updated the fields. I don't understand why are they doing this to me. The deletion requests had been received but they won't remove the accounts when XXXX  and XXXX  removed the account upon the creditor 's request. 

Attached is the letter from XXXX XXXX, a Letter from Equifax, and Screenshots of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK
State: IL

Complaint narrative:
On or about XX/XX/2021 I fell victim to two multilayered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my EASTWEST account to these fraudulent investment companies. 
Due to personal circumstances I was particularly vulnerable during this period ; I was also relatively financially illiterate and very inexperienced in the finance sector which made me a prime target for criminal enterprises in this field. Details of my case can be found in the attached

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 2021-06-30 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: CITIBANK, N.A.
State: CT

Complaint narrative:
These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

4. Identity Theft CITI CARDS CBNA Date of inquiry : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

3. Identity Theft BK OF AMER Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX  This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Our USDA mortgage is with BB & T Home Mortgage. We understood that we could have our COVID forbearance extended to 18 months due to the fact that we requested forbearance prior to XX/XX/2020. BB & T states this is only available for XXXX XXXX and XXXX XXXX mortgages and that our USDA mortgage does not qualify for the extra extension to 18 months. My husband was in the hospital for an extended amount of time due to COVID. We were hoping for the extra time to pay off the hospital bills before we resume paying our mortgage. I am very disappointed that they are not following what has been laid out.

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 2021-06-30 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/XXXX at approximately XXXX central I was at a place of business and attempted to use my newly received Chase Sapphire XXXX credit card. I had activated and used the card on XX/XX/XXXX ; 6 total transactions were successfully made within the XXXX XXXX XXXXXXXX area with a cumulative total under $ XXXX compared to my credit limit of $ XXXX. 

When at a place of business I attempted to use my card for a purchase of about {$500.00} and was declined. The issue caused embarrassment with no path to resolution. The card was my only means to pay. I called the Chase XXXX XXXX and was auto routed to a security team that was not available and the call disconnected without my consent. I called back and spoke to a person who transferred me to the same security team that again disconnected my call. On the third call I spoke to a XXXX who advised the security team was not available and there was nothing further he could do ; I would have to call back on XX/XX/XXXX and not be able to complete my transaction with the merchant awaiting payment. 

I had received no text or email warning me my next purchase would be declined. In asking the next day if this was an option I was told it was not ( Chase can send out reactive notices when you are declined, but no proactive warning of when they will next block an authorization ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I receive a second letter from Equifax stating they can not find me in there system. However I pulled my report today doesn't allow me to dispute anything .It want my personal identity which I refuse to send

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have had issues with Navient in the past. They have been charging interest/fees ect. that I was told I would not have to pay as a part of the COVID stimulus. But, that is not my issue right now. My employer issued a check for {$5200.00} in an attempt to pay part of my student loan. That check was cashed almost immediately but not applied to my account. When I questioned it ( Case # XXXX XXXX they stated that I sent the check to the wrong address and gave me a different payment address to send it to. That address specifically states on their website that it is for inquiry only. Over a month after the initial payment was cashed, my employer received a check back and reissued the payment to the address I was given. Now it has been over a month since the re-issue and still the payment has not been applied to my account. Since I am on the accounting team at my place of employment, I could look up that the check cleared the bank on XX/XX/XXXX. It is now XX/XX/XXXX and it has not been applied properly. I now have nearly 4 months worth of late fees and interest that I should not have had to pay. I am at my wits end on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: WY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 


XXXX XXXX XXXX {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I personally saw XXXX XXXX XXXX and XXXX XXXX went in my mailbox to steal my mail. I believed they stole my first edd card because I waited almost 5 weeks to get my first card which I activated in XXXX. Same month the card was issued out. How can I have XXXX transactions? I brought this to their attention for months until i was told the transactions are too far back to dispute. These little worthless kids have victimized my family for years and many more people were victimized I'm sure of it due to the fluency of their crimes. They were helped by XXXX XXXX who fraud my dead dad for 20 years. He didn't want to get caught so he set my whole family up allowing anyone to take advantage so in case he gets busted, it's way too many people to get in trouble.

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 2021-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
they are calling for someone named XXXX who appears to have had my number prior as this is a new phone ( 3 months ) also received from multiple other companies however they are able to remove my number. 
Bank of America said they can not remove the number as I'm not the account holder. they call frequently during the week.

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 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: GA

Complaint narrative:
This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by __LENDMARK immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Nelnet, Inc.
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation