vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I don't even know where to start, there is a lot of incorrect information showing on my credit report, As soon as I realized that I contacted the credit Bureaus via letter, they are not answering me and they said they opened an investigation. They are not providing any kind of clarification and at this point I'm starting to feel frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/2021, my husband and I entered Chase Bank uptown, a major Chase Bank branch in XXXX, Minnesota to open up new checking accounts and make name updates. The branch address : XXXX XXXX XXXX, XXXX, MN XXXX. We entered the branch lobby at XXXX. There were a male lobby manager, a female general manager who is a banker, and another male banker who was helping a client. It was empty in the lobby and there were no other waiting clients there. However, we were told that since they will be closing after an hour ( they close at XXXX. ), they wont have enough time to open up new checking accounts and do name changes for us and treated us in a very bad way and kicked us out of the branch around XXXX. ( again they close at XXXX ). We are not sure if we were being discriminately treated because we are same XXXX couple but we did have a very horrible experience. As a major Chase Bank branch in uptown XXXX, they stop accepting and serving clients more than XXXX hour before the closing time which is upset and disappointing. My husband and I have been loyal clients with Chase but this is really unforgivable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: GA

Complaint narrative:
The addresses that are listened are not mine. I've never lived in any of those addresses before. Please delete them or be fined {$1000.00} per minute for fraudulent information, identification and bills.

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 2021-10-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The addresses that are listened are not mine. I've never lived in any of those addresses before. Please delete them or be fined {$1000.00} per minute for fraudulent information, identification and bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I received a collection notice of {$390.00} from XXXX XXXX. I called XXXX and the account number provided on the notice is not XXXX and I was told to call XXXX XXXX. I called XXXX XXXX and the account they pulled up shows a balance of {$55.00}. The account is currently in dispute as account was opened fraudulently. XXXX stated there has been no activity on the account nor has ever had a balance other than the {$55.00}, so I am not sure where EOS CCA is coming up with their balance of {$390.00} because it is completely incorrect and not owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Notice, it is a fact, I, the affiant is a consumer and has the right to privacy in accordance with 15 U.S.Code 1692 ( a ). Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, affiant is aware that the amount specified by the original contract is different from what XXXX XXXX is attempting to collect. There is no prior contract which authorizes them to collect the amount, shown in Exhibit ( A ), that XXXX XXXX is attempting to collect and no part of the contract expressly authorized the collection of this amount. This is a violation of 15 U.S.Code 1692f ( 1 ). Notice, it is a fact, affiant is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to { Name of CRA } which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. Exhibit ( A ) shows proof of XXXX U.S.Code 1681b ( a ) ( 2 ) being violated by Equifax, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The account, XXXX XXXX must be removed. Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to XXXX XXXXs abusive and deceptive business practices. Notice, it is a fact, affiant is aware, If judgement is made against XXXX XXXX I, the affiant, can and will pursue class action for the amount of XXXX to 1 % of your company in accordance with 15 U.S.Code 1692k ( a ) ( 2 ) ( B ). I DEMAND these items be removed from my consumer reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have just checked my credit report today and Equifax has posted a delinquent account on my credit file as of XX/XX/2021 when it was previuously disputed and deleted. They have done this twice. The dispute was filed with XXXX but the result effected all the bureaus. As I originally informed the dispute is for a collection account with XXXX XXXX over cancellation of a policy for a vehicle that was scrapped. The request was called in on the day the vehicle was scrapped and I spoke with an agent. I did not have a replacement vehicle at the time and policy cancelled immediately. The amount in question was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Santander Bank denied my application for a credit card and so notified me today XXXX XXXX! 

The decision was NOT make by a human being! 
Re : Santander Bank " Application Reference Number : XXXX '' It was made by a computer! 

No consideration at all was given to I am! It was all done, as I say, but a computer. No human involvement at all. 

We live in the USA, not in the XXXX! 

In the USA people govern, not computers! 

Santander has violated my legal rights under the various age discrimination laws both on the Federal and state level ( New Jersey ). 

I am told by Santander Bank to file an appeal with something called " XXXX '' about which I know nothing and which is apparently allied with Santander Bank. 

The aforementioned notice was signed by a " XXXX XXXX XXXX " XXXX, Head of the Customer Service Center Operations '', whatever that is. Sounds similar to something one would have found in some totalitarian country, not in our beloved and blessed USA! 

This XXXX XXXX knows not a thing about me at all. He did not even sign the notice which was made by a computer somewhere in his office or in Santander Bank. 

What kind of justice is this? 

What kind of bank is this? 

Decisions made by a computer, not by a human being! 

Therefore, the decision was arbitrary and capricious and violative of my rights as a United States citizen! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX ( ret ) pro se PS : There is no point in my continuing to have an account with the Santander Bank given its brutal and cruel treatment of me as some data point in some computer! This is not how things are done or supposed to be done in the good old USA! This is how they do things in XXXX and Communist XXXX and in XXXX and in XXXX XXXX and did things in the XXXX and in XXXX XXXX and 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 2021-10-16 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: PA

Complaint narrative:
I don't even know where to start, there is a lot of incorrect information showing on my credit report, As soon as I realized that I contacted the credit Bureaus via letter, they are not answering me and they said they opened an investigation. They are not providing any kind of clarification and at this point I'm starting to feel frustrated.

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 2021-10-16 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: NY

Complaint narrative:
I contacted Equifax on XX/XX/2021 about some negative accounts that I need them to investigate. It's been over 60 days since I send them the letter which I attached with this complaint along with my ID. I know that under the Federal Credit Reporting Act they need to complete their investigation in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2021 I got a email on my phone from Wellsfargo, the email looked suspicious so I forwarded it to Wellsfargo XXXX to report it which is attached. So, on XX/XX/2021 I received 3 notifications on my phone stating ( 1 ) Telling me I enrolled in the wireless service ( I have never done a wire transfer in my life ) ( 2 ) You added the receipant XXXX XXXX to the wire transfer ( 3 ) You sent a wire transfer to XXXX XXXX in the amount {$2800.00}. I noticed I received these notifications around XXXX XXXX. My phone records that are attached shows I contacted XXXX at XXXX @ XXXX & stayed on the phone 70 minutes telling them someone hacked my account & I did not authorize or make this wire transfer. I have 4 accounts that links together. I have the account listed as ( 1 ) XXXX  ( 2 ) XXXX, ( 3 ) XXXX  ( 4 ) XXXX  & XXXX  account. The hackers transferred all the money from 3 accounts into the XXXX  & XXXX  account. Then they did a wire transfer in the amount of {$2800.00} from the husband & wife account to XXXX XXXX acct with XXXX XXXX. I have never heard of this person. The representative told me they were going to see if they could stop the transfer because the hackers had just done it at XXXX. I submitted a online claim & a wire transfer claim on XXXX Wellsfargo Fraud Department. I also filed a police report with XXXX XXXX Police in XXXX, Ga ( Case # XXXX ) Couple days later I called to check the status of my claim & they tell me they didnt try to retrieve the fund until XX/XX/2021. In my mind they gave the hackers plenty of time to get away with my money & why wasnt the wire transfer stopped in XX/XX/2021 the same day i notified you & the day it happened? So, after this I made a appointment to speak with a branch manager at Wellsfargo & when I got there they just let me spoke with someone else which all she did was called the fraud dept. & said there was nothing she could do. I To my knowledge I did everything right, but I get a letter from Wellsfargo like they blaming me & refuse to reverse the funds back to my account. I thought my money was safe & insured. I been with this bank for over 20 years & never had anything like this happen & get treated like this. I work too hard for my money for someone to hack my acct & steal 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 monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
Tried to resolve multiple times with PNC Bank on Homeowner 's Insurance policy on our current address. There was a lapse in coverage due to an error during loan processing and no binding from the homeowner 's insurance on the previous home to the new home. PNC Bank placed a forced hold amount nearly doubling the amount we currently pay in homeowner 's insurance in backpay. PNC would not inform us of which company is collecting backpay and assured us that we can find another insurance company, if we wanted to cover the backpay. We found out no other insurance company will cover backpay because it is considered fraud. Multiple attempts were made to PNC to reduce the amount of what they are trying to collect in backpay, a total of {$1900.00} approximately, nearly double of what we pay now. 

Back pay $ XXXX vs $ XXXX - nearly double the amount we pay now for homeowner 's insurance. We are willing to negotiate with PNC on the backpay amount of what we currently pay on the Homeowner 's Insurance policy. Doubling the amount of our current policy should be considered unethical business practices on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MI

Complaint narrative:
Someone has access to my personal information and is ruining my credit by making outrageous purchases and inquiries. I have no knowledge of what or who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I have an Apple Mastercard. The Apple Card had a wallet app. Since the XXXX of XXXX I have been unable to see any individual charges on my credit card but the balance on my card is not impacted. I have contacted XXXX multiple times ( XX/XX/2015, XXXX ) and nothing has been done. I am unable to see a breakdown of my balance or individual purchases in the XXXX app and on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
This is my second complaint against XXXX. In regards to my first complaint ( Case Id # XXXX ). I sent XXXX an affidavit of Truth ( sent XX/XX/2021, dated XX/XX/2021 ). I attached two proofs of Id ( photo id, and a utility bill, and a notary attachment, and an FTC report ( # XXXX ). Which is more than enough to verify my identity. However, XXXX sent dispute results ( dated XX/XX/2021 ) saying I need to provide them more information in order for them to act upon my request for them to remove the fraudulent inquiry on my consumer report. Pursuant to 15 U.S.C 6802b ( A ) ( B ) ( C ) financial institutions may not directly or through any affiliate, disclose to any non-affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies, I did not authorize the inquiry XXXX ( see attachments ). In regards to the collection accounts furnished by AWA COLLECTIONS ( see attachments ) this is a violation of my HIPPA rights pursuant to 45 CFR 164.502 no such entity may disclose protected health information, except as permitted or required, pursuant to an authorization, and agreement, which was not given. I have also disputed the same accounts from AWA COLLECTION with XXXX and XXXX, and both have deleted these accounts. ( see attachments ) XXXX has violated my rights as a consumer and they are civility liable pursuant to 15 U.S.C 1681n. I am demanding they delete all the incorrect, inaccurate, or wrong spelling of my name ( it should match my driver 's license- see attachments ) addresses and employers and delete all the accounts and the inquiry and mail me an updated copy of my consumer report. 

Attachments included 1. Affidavit of Truth 2. Photo Id 3. Utility Bill 4 Certified Mail Recepit 5. certified mail Green Card 6. Identity Theft Report 7. XXXX  Credit Report ( disregard disputed items- personal information ) 8. XXXX  Credit Report ( disregard items- inquiry ) 9. XXXX  Credit Report ( disregard terms- collection accounts ) 10. Copy of dispute results from XXXX 11. Copy of dispute results from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan was bought by Mr Cooper/ Nationstar Mortgage XXXX in XX/XX/2021. My homeowners insurance was due and not paid by Mr Cooper. I called Mr Cooper and they issued a check but my ins co did not receive it and I was receiving cancelation notices. I called mr Cooper and they cut another check to the ins co and sent overnight. For a total of two debits of XXXX from my escrow account. Since then Mr cooper has not credited back one of the XXXX payments to my escrow account that they deducted resulting in my payment being increased. I've made several phone calls and spoke with both customer service and the escalation department and this has still not been resolved. I escalated to a manager and was told it would take 48 hours for a call back and never received a call back. In addition I've made an additional escrow payment of approx XXXX which has yet to be reflected in my escrow account as well. 

Need both amounts added to my escrow account and monthly payment reset back to my original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I received PayPal message on XX/XX/XXXXthat I can no longer use PayPal again when I try to withdraw my fund and it doesnt work out. I was not even ask to tender any document my account was just limit and I cant have access to my money I worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted an FTC report and dispute for the fraudulent collection on my Equifax report. It is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Westlake Financial The right to an accurate, timely credit report is the rights consumers have by law. 
The FCRA acknowledges the need for accurate consumer credit information for the banking system to work smoothly. And so, the law gives consumers the right to have inaccurate, incomplete, and outdated information removed from their credit reports. I have disputed many times with the credit bureau XXXX consistently. It has been well over 30 days and the errors being reported have not been corrected. The date of purchase for this particular vehicle in question I have requested due to inaccurate reporting. The payment history starting with the very first payment that was paid. The payment on XX/XX/2018 of payment in full and then another payment being made on the XXXX of XX/XX/2018 and then reporting that following XXXX of only a {$50.00} payment and asking for a payment forgiveness which then was reported delinquent or past due for that month of XXXX. The beginning balance of the loan and the purchase amount are inaccurate. The ending balance that is saying charge off amount and of bad debt is also inaccurate. Due to the many attempts to reach out to Westlake Financial to update the errors of the reporting of my credit report and the effort they have shown to NOT correct there inaccurate reportings by law and by the rights of consumers with investigation and reinvestigation I am requesting with prompt demand that all prior and from here on to date that Westlake Financial STOP, REMOVE and DELETE any and all acts of reporting to all 3 credit bureau 's effective immediately. 
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 2021-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had orginally filed a dispute with Experian in early XX/XX/2021 and it still remains unresolved. I have received an update that they are still investigating the matter. How much longer are they allowed to hold back my credit score and complete the investigation? This is absolutely absurd and now they are causing great financial damage as I am attempting to buy a home. I do not want excuse I want a reply.

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