vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
someone unknown filed an illegal garnishment through social services. I am Mr. XXXX XXXX XXXX and the person or persons filed a illegal document that garnished my settlements from Wells Fargo bank XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX there is no power of attorney over me I suppose to receive 100 % of all income settlements inheritance and and all the money under my social security number they are forwarding my mail unauthorized and have no legal rights to my income or any financial money under my name they are breaking the law i havent received any in the last 5 years and further back Wells Fargo has the evidence I am trying to gain my financial independence I am single my only child is an adult these people are fileing faulse positions and telling lies Im trying to get them arrested and get a retrieval of all my income dating back at least 7 years I havent received any not even a tax return

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 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX RE : A/C # XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX To Whom It May Concern : I opened the above-referenced account on XX/XX/XXXX while establishing a correctly titled attorney trust account. 

The representative from your XXXX XXXX branch offered a new VISA card and informed me that I would receive {$300.00} after spending {$3000.00} within the first three months. It sounded too good to be true but I accepted the offer and spent the required amount within the specified period. Unfortunately, I now feel that I was conned. 

Last week, I spent 45 minutes on the telephone with five different representatives from your credit card division. Three of them transferred me to people who just disconnected me after hearing the story. Needless to say, no one called me back. 

Unless you promptly pay me the {$300.00} rebate promised I shall be closing all of our accounts at Wells Fargo and will pursue appropriate further action to compel you to honor your commitments. 

Very truly yours, XXXX XXXX XXXX XXXX cc : Bureau of Consumer Financial Protection

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 2021-07-31 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 filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have opened an XXXX XXXX account in XXXX of 2020. According to XXXX XXXX, it has been reported to all 3 credit bureaus since XX/XX/2020. I have opened this account to build credit. 
As of today, it has not shown on Transunion, even after I have been told by XXXX XXXX, that it has been reported to them for approximately 18 months. 
I have opened another account with XXXX XXXX, and again the other 2 credit bureaus already had it in my credit report a month by now, but Transunion doesnt have that on my report either. 
For same exact information on all 3 bureaus reporting, Transunion is 60 points less, than the other 2, which is not just extremely unfair, but prevent me to be able to purchase a house for a year now!

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 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been trying to get this information cleared up for over 150 days. Every time i reach out to the CFPB i get a response back saying " The company doesn't recognize you '' If they don't recognize my disputes then how are they able to continue to report inaccurate information on my account? I am really confused because i always thought that the information had to be 100 % accurate or it shouldn't be on the report? I also asked them to verify the information was mine but still nobody has verified anything, and the info is inaccurate. I need help from somebody.

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 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
Im writing this letter to inform you that my charged off account ( credit card ) amount was changed by US Bank. As a consumer I know my rights, once an account is charged off the amount can not change. The US Bank account was charged off in XX/XX/XXXX with an amount of {$2300.00}. That amount was changed and updated on my credit report XX/XX/XXXX for {$2300.00}. 

A letter was sent to me on XX/XX/XXXX, stating that US Bank do periodically checks on consumer report. The letter stated that a charge was on my account that did not belong. It states a return payment fee was charged to the account. If the account is charged off, the amount should not change. I would like this deleted from my credit report account due to USBANK negligence. 

This is ground for deletion. Please delete account from my report. Please delete from all three credit agency.

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 2021-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: GA

Complaint narrative:
This has been a problem since the loan began : 1. ) They repeatedly call me 5-6 or more times a day, every 3 hours, if I go beyond 10 days late.

2. ) At the 10th day, they charge an excessive {$70.00} late fee on the loan 3. ) In their effort to humiliate/harass you if you are late, they actually cut off access to using their online bill pay service. Because they receive pleasure in humiliating/threatening/harassing you over the phone.

4. ) If you give them no exact time table when you can pay before the 30 day late grace period, they keep calling you repeatedly.

I'm actively working on credit repair. I CAN NOT WAIT to refi my car loan elsewhere and get away from this abusive company. This activity should be something that is ILLEGAL!!

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 2021-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The company known as CREDIT ACCEPTANCE falsely accused me of presenting fraudulent paystubs after previously verifying paystubs presented to a dealership for finalizing a deal that was said to be near completion.

The company CREDIT ACCEPTANCE previously contacted my employer to verify my employment and information presented upon the paystubs and successfully verified the information.

The company CREDIT ACCEPTANCE is using XXXX discriminatory practices in denying certain XXXX demographics the ability to finance vehicles and receive loans by redlining and using discriminatory tactics of alledging fraud and requiring proof of validity in order to proceed with financing vehicles. 
The company CREDIT ACCEPTANCE is using XXXX discrimination & requiring certain demographics to basically " beg for '' and prove beyond any shadow of their already racially prejudiced biased and doubtful assumptions. 
The company CREDIT ACCEPTANCE has already contacted my employer and verified my employment status yet the cmpany CREDIT ACCEPTANCE is continuing to use racially discriminatory tactics to deny credit to certain XXXX demographics.

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 2021-07-31 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: TX

Complaint narrative:
I am disputing inquiries from Transunion on my personal credit report that I did not recognize. 
Please find the following : Notice of recent dispute to Transunion under the FCRA. 
Copies of items I am disputing and do not recognize. 
Notice of identity theft report/ notice. 
Cooy if my identification

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 2021-07-31 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My now ex husband refinanced our home multiple times without my knowledge. The lender sees nothing wrong. Well, what Wells Fargo has on file doesnt even match what XXXX XXXX has on record. My now ex husband refinanced in XX/XX/XXXX, somehow taking my name off the loan? Getting a whole new loan? How is this possible without me even knowing? He did a modification in XXXX of XXXX. The records XXXX XXXX has show us supposedly signing in front of a notary on XXXX XXXX. I was in XXXX! I spoke with the notary and she denied notarizing the loan, until she was contacted by the detective for the sheriffs department. She told him I signed in front of her. That is a lie, and I had the proof to show him. He didnt care to see anything I had. The notary said I signed in front of her so the investigation was at a stand still? Wells Fargo sent me a copy of the same modification. Not only did they have a totally different notary on their papers, but, she signed and notarized on XX/XX/XXXX, and XXXX XXXX and I supposedly signed on XX/XX/XXXX. Wells Fargo sees nothing wrong with just that? 
They are trying to assume 0 responsibility for all of this because they no longer have the Loan? Well, they are the ones that helped cause this nightmare I am now living! I cant do anything because nobody will talk to me as Im not on the loan!!! He borrowed against my home in XXXX of XXXX. While we were going through the divorce. I was and still am living in my home. 
The deed shows my house is in XXXX XXXX XXXX? No, no its not. Its in XXXX XXXX, and that whole deed is nothing more then a scam anyways. I blame Wells Fargo for this mess. For letting him borrow borrow borrow without me even knowing. I am on the deed and the title and the original note from XXXX of XXXX. As far as Im concerned, this is mortgage fraud at its finest. I feel I have been discriminated against because Im a woman. So naturally I must be overreacting? No, no Im not. I am reacting. There should be consequences for this sort of thing. I have been fighting a battle to keep my home, all because of an incompetent lender.

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 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I transferred 3 wire and ACH bank transfers into my Regions bank checking account from 2 different external bank accounts. Regions only gave me 1 out of 3 transfers : 1 was for XXXX $ a wire-this was received. 
1 was for XXXX $ an ACH transfer- which takes 1 day- never received 1 was for XXXX $ an ACH transfer- which takes 1 day- never received. 

The bank did not handle the disbursed funds as instructed as they were never received. 
I wasnt the XXXX $ they NOW owe me.

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 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX i have taken the steps to pay my collections and remove them I also pay my credit cards in full all 3 major companies are falsely claiming late payment and charge off not reflecting I paid in full XXXX  XXXX  on its sites indicate that if I pay my collection I get score increase by removing that debt I did that and no score was updated Ive email them proof ask them to update information and they have not done so XXXX car site promise it does not pulled hard inquiries o show proof they refuse to remove it please help me

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 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I had made a purchase totaling {$39.00} on a XXXX XXXX credit card on XX/XX/XXXX, half of which was delivered to me via mail at my address at the time. Prior to the purchase, I had changed my address with XXXX XXXX, online on their website, which clearly went through, as I began receiving catalogs, and my ordered merchandise, at that address. 
In XX/XX/XXXX, I received mail notification from Midland Credit Management ( MCM ) that I now owed {$310.00}, on the original unpaid {$39.00} purchase. The agency handling the billing for XXXX XXXX, XXXX, had been sending my statements to an old address from XXXX, despite my having changed the address with XXXX XXXX in XXXX. On XX/XX/XXXX, I called MCM to dispute the charges, and offered to immediately pay the original amount due, which I was told was unacceptable to them. I never received the billing statements, sent to my prior address, as my forwarding had run out 24 months before. Somehow between XXXX XXXX, XXXX, and selling my debt to MCM, my current address had been dropped. In the meantime, I had purchased thousands of dollars worth of home furnishings from XXXX XXXX, paid by XXXX, and was clearly good for the original purchase. I do not believe I should pay for their clerical errors or database merges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
Today I had a conversation with a representative of Quicken loans, XXXX. I thought that I was complying with this company 's request to explore some mortgage assistance plan. However, the conversation revolved around an extra payment of {$9.00} that was supposedly added on to my XXXX mortgage. if I paid this {$9.00} addon ( not listed on my XXXX bill ) then supposedly I wouldn't need to pursue my assistance goal?? This process seemed like a " set-up ''. I told the representative that I would mail the {$9.00} but that wasn't good enough. I had to give them my account # immediately to satisfy my mortgage payment ( by the way my mortgage payment was timely for XXXX XXXX. They wanted my bank account # etc. to fullfill their needs. I was totally frustrated by this turn of events. I ended the conversation with a request for a transcript of our conversation. So far they haven't complied!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: Pavilion Payments US BuyerCo, LLC
State: CA

Complaint narrative:
Always Directed to a voice-mail through automated system and Employees in non complaint services like sales.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
RE : XXXX XXXX XXXX My Suntrust Account was charges a series of {$120.00} debit against my Suntrust Account. These appear to be XXXX Charges but vendor was not able to be identified. Usually these types of transaction have a way to connect with the Payee ... but in this case there were 11 transaction to XXXX XXXX XXXX totaling {$1300.00} that I disputed with Suntrust and and was not able to get reconciled. I have attached a copy of the transaction detail supporting the charges.

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 2021-07-31 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: FL

Complaint narrative:
Yesterday my Credit score was XXXX. Today out of retaliation for me filing a complaint against them Equifax dropped it by 38 points. Nothing has changed on my credit report since yesterday. In fact my credit score had went up XXXX to XXXX. The only reason my credit score dropped is because Equifax is retaliating against me for filing complaints against them. If this is not so then why did my score drop 38 points when nothing changed from yesterday. Nothing and I mean nothing changed from yesterday yet my score dropped 38 points. this is retaliation and its unethical and just wrong. If Equifax would do their job like they are supposed to I would not file complaints against them. This is more evidence to add to my complaint against them that I filed with the Georgia Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: Phoenix Financial Services LLC
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Phoenix Financial Services, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have been trying to get my credit reports since XX/XX/XXXX. I filed a Chapter BK in XXXX of XXXX and it was discharged in XXXX. 

Equifax has removed 90 % of my history. I had to send a 10 page fax proving my identity. I still can not access my report. 

XXXX  also has identity issues but I can get to a partial report online. 

XXXX also has me blocked from obtaining my report even after uploading on my phone to the representative who said I would be able to access. 

I have had a 160 point drop in my score. I have been denied PPP, FEMA and SBA assistance and nobody will disclose why. 

I had no issues with my Covid tax stimulus or IRS Tax return but in XXXX when my score dropped, and Equifax removed most all of my history I can not access ID.me for the IRS, SSA, and I have not gotten my unemployment credit not advanced child tax credit payments. 

I have a medical collection bill that was paid in full by XXXX XXXX XXXX XXXXXXXX XXXX XXXX that was sold to collections for {$250.00} and never got a bill. I have been working with two debit collectors, the insurance and medicaid. Every month its worse.

Multiple debt collectors discharged in BK in XXXX are reporting discharged debt and selling to new collectors. 



I need help.

Company response to consumer: Closed with explanation