vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
A checking account was open in my name without my knowledge or consent. I found out about this because I got an email from wells Fargo saying account approved and here are your documents and disclosures.

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 2022-03-24 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I just completed my Trial Payment Plan ( TPP ) for a FLEX modification for my mortgage loan with Wells Fargo. I completed the three TPP payments as agreed upon with Wells Fargo, for the agreed upon amount. As Wells Fargo and myself agreed, I paid {$1600.00} in XXXX, XXXX, and XXXX of XXXX. I confirmed the payments with my bank and with Wells Fargo, and made sure that when I made each payment over the phone with Wells Fargo, the amount was correct, and Wells Fargo confirmed that it was. Now, after I've already completed the TPP agreement, Wells Fargo is telling me that the payment amount is not enough. They are telling me I owe more. Additionally, Wells Fargo suggested I make an escrow payment of {$49.00} which would reduce my monthly payment amount at the end of the TPP. I made the {$49.00} escrow payment in XXXX of 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 2022-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
This debt is not mine I need validation that this belongs to me They need to remove this immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AppFolio, Inc.
State: GA

Complaint narrative:
" Adverse action letter ' dated XX/XX/XXXX @ XXXX Indicated " rental history ' was the reason for denial -- namely a tenant screening report that references a 'Dispossessory ' {$300.00} which was actually a 'Consent Agreement ' in my ( Defendant ) favor of {$300.00} which represented a a security deposit to be returned and court document noted : " Tenant has vacated the property. '' XXXX XXXX XXXX. See Consent Agreement Date d XXXX The other error indicated that I used an alias " XXXX XXXX XXXX '' which is false whereas another person resides at the address by that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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:
These are inaccurate and should not be on my credit report, I demand to have them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
I just received a Debit Card from United Bank. I have never banked there. I went to the branch and it looks like someone opened a bank account with my ssn, home address. But with their phone number and email address, online. I did close and flag that account. 

I just received a check from XXXX XXXX XXXX XXXX for {$30.00}. I've never owned a savings account there either. I called and it seems the person with the same phone number opened and has been using a Savings Account with my name and ssn.

This is 2 bank accounts opened in my name by the same person. I'm not sure what to do about it and need help. 

I have frozen my credit with XXXX and XXXX. 

I need 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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 statement account was paid in full. Overpayment actually. However there was small interest accrued and brought balance to {$1.00} - I did not receive any statements or email notifications of the balance. I signed up for electronic statements. I checked my junk email and nothing. So sense I didnt receive any mail or email notifications all was good. On XX/XX/2021 apparently there is a minimum finance charge and a late fee assessed to the {$1.00} which brought it to XXXX. Once again no email or mail notifications. XX/XX/2021 again another minimum finance charge and late fee and no notice or email notifications. I was closing escrow on a house in XX/XX/2021 and this showed up on my credit report. Credit dropped almost 80 points and changed the rate on my home loan and I had to pay discount points. All for {$1.00} and I wasnt notified. I did another over payment and paid all interests, late fees, and minimum finance charges. After I reached out to them I was shocked to find out they do not have a reporting threshold of XXXX or XXXX like most financial institutions. So if your late {$1.00} it will negatively effect your credit for years. Shocked! I asked for it to be reviewed by management for the small dollar amount of {$1.00}. The rep said it cant be escalated and I would need to contact XXXX or the CFPB. They would not review or help me with the XXXX Its my hope and request for the circumstances involved, the negative late reporting on my credit be removed from my credit. Just seems unreasonable and a financial hardship on the consumer for years. 

Im humbly requesting this be removed.

Any questions please ask. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXXXXXX / {$2100.00} XXXX XXXX XXXXXXXX / {$2900.00}

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 non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 


XXXX XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a proud XXXX old American citizen and a good standing Citi client for three decades. I firmly believe in the sound American moral values and can not believe that the Citi team of investigators took the side of a criminal XXXX Organization by the name of XXXX XXXX in a case where the scam/fraud is so evident. 
I normally take my precautions to avoid criminal traps and schemes, and, in hindsight, I should have not used my card in a XXXX Bar, but I errounesly taught I I would have some protection from an institution like Citi Bank that claims to be on the consumer side before, during and after any purchase. 
Almost {$20000.00} ( approximately my Social Security yearly payment or the price of a car ) where charged in a couple of hours in a foreign country Bar on XX/XX/2021 without triggering suspicion and an alert to the card holder. 
In absence of red flags, I expected some form of protection from Citi Bank, and I called as soon as possible asking to block my card, when the criminal charges were still pending. 
The calls and the circumstances were vetted and verified by the Citi Office of the President. Denying the absurd charges to these criminals would have been the easiest way to resolve the matter. I have no doubts that I am one of hundreds victim of their criminal scheme. These habitual criminals would not and could not have any justification for their fraudulent charges and would have accepted the denial of their bogus claims without questioning. Ruling in their favor means to encourage criminal activities.

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 2022-03-24 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: IL

Complaint narrative:
I have sent dispute letters to XXXX, XXXX and Equifax several times. This is unlawful for these credit agencies to continue reporting inaccurate information on your credit reports. This is affecting my life. They are not verifying the information. Even after, I sent a snippet and explained the inaccuracy. This is not right or fair to the consumer. 

In accordance with the FCRA, XXXX XXXX  has violated my rights. The initial collector XXXX XXXX violated my rights. The collection was removed from XXXX and never appeared on Equifax. Now the account has been sold to XXXX XXXX  and the collection has reappeared on all bureaus with inaccurate information. This has taken my score down over XXXX points. 

XXXX5 USC 1681 602 A states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent dispute letters to XXXX, Experian and XXXX several times. This is unlawful for these credit agencies to continue reporting inaccurate information on your credit reports. This is affecting my life. They are not verifying the information. Even after, I sent a snippet and explained the inaccuracy. This is not right or fair to the consumer. 

In accordance with the FCRA, XXXX XXXX  has violated my rights. The initial collector XXXX XXXX violated my rights. The collection was removed from XXXX and never appeared on XXXX. Now the account has been sold to XXXX XXXX  and the collection has reappeared on all bureaus with inaccurate information. This has taken my score down over XXXX points. 

15 USC 1681 602 A states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
On XX/XX/2022, at XXXX am, I received a call from Rocket Mortgage ( also known as Quicken Loans ). They are the holders of my current mortgage, and they said that I could refinance, that way I could take money out to pay off my credit card debit. I was asked how much I paid for the unit which I told him that it was around {$210000.00} and I was also asked if I knew what the current sale price on my unit. I told him I did not know so we both went on to XXXX and it came up to {$280000.00}. He said that was good. I talked with them for XXXX minutes, where they went through the whole refinancing process. We even went through the breakdown on my credit card bills. They gave me all the figures of what my new mortgage payment would be and how much extra cash I would have after I paid off my debt. They went through the entire process of the refinance even telling me that I qualified for the refinance without a home inspection. When they got into the final piece of the mortgage Application, they said they had a series of questions which I was not obligated to really answer. But after qualifying I did not see a problem with answering. There was XXXX specific question about XXXX. Some of the questions was XXXX  XXXX, XXXX, XXXX, XXXX, or XXXX XXXX. I answered that I was XXXX XXXX. After I answer the question, he suddenly says something like oh I will be right back, I made an error in your application. He comes back and says oh I forgot to put in the unit number then everything changed. First, when we started this process, I gave them my address which included the unit number. My current mortgage is with Rocket Mortgage, so they had my address and unit number already. According to Rocket Mortgage I still qualify but for less. Just a fraction of what he quoted me. At that point I was suspicious, and I was angry because if I had not said XXXX XXXX, I am quite sure there would not have been an issue. I was discriminated against by Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I received a text message on XX/XX/XXXX and another one today from a debt collector who does not show any amount due etc., It states the company that is collecting from is XXXX XXXX XXXX XXXX. XXXX whose phone nbr is XXXX. 

We had never had any dealing with the above Insurance company and we do not owe any money to them. 

We believe it is a scam, and I am trying to report it. 

The text does not show any amount due at all. Only to reply to them to opt out etc. 
or call them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Few months ago I received a call from XXXX  XXXX about a transaction taking place at XXXX XXXX XXXX XXXX  and XXXX, I did not approve the charges once I was at work. So XXXX XXXX cancelled the card and sent a new one and charges weren't on my account. However, I did discover few weeks later that those charges did hurt my credit score since I went over the limit. This week I received a letter from XXXX XXXX XXXX  that the {$450.00} were for cleaning that took place to a car I rented from them last year. They did apologize for that and sent me a correction and apology letter, but I would like to take this off my record please.

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 2022-03-24 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: NC

Complaint narrative:
Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. I spoke with an agent on XX/XX/2022 regarding the removal of these fraudulent accounts and as a result of the several laws that I had listed that were and continue to be broken by Experian, account were successfully deleted. Subsequently, the account was added after no notice was given as per the law. With blatant disregard for FEDERAL LAW, the account has been added to my consumer report. This is a blatant disregard for the law since they aren't following the instructions of law according to the FCRA. Please see attachment.

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 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX / XXXX / {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) / XXXX / {$860.00} XXXX XXXX / XXXX / {$0.00}

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 non-monetary relief
Consumer complaint received 2022-03-24 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I submitted the despites with the credit bureaus regarding my Macys account. the account was charged off in XXXX of XXXX the account continues to report as a NEW charge off every month. I called and explained that to both XXXX and Macys. the account should not continue to report every month as a charge-off. It should only report as charged-off in the month that the charge-off actually happened. They have refused to remove the monthly history of the charge off and continue to report every month. I need these deleted from 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 non-monetary relief
Consumer complaint received 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer report : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer report : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation