vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: CT

Complaint narrative:
I do not know how these items ended up on my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on my Drive Licence and Social Security Number ) because if you do you will see I did not sign anything related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hello, Ive been a member with Wells Fargo since XX/XX/XXXX, and as of today I NO LONGER want to bank with them. Wells Fargo is constantly charging my account excessive fees to cover insufficient amounts for the day. within the past month I've received a total of 7 {$35.00} over draft fees. like why cant it be {$35.00} for the day and not each? They have denied me a refund on theses fees stating that I've received {$52.00} total in the past 12 months for reversal and I do not qualify for anymore. This bank has made a total of {$240.00} from me in fees. Im barely working many hours to pay my bills and no I have more fees to pay. with my children being home this summer I can not pick up any am shifts only night which has limited openings. on some of these transactions I've had the funding, its just that I miss the XXXX deposit time. at this point I just want everything closed except my credit card. t. there has been multiple issues, lawsuits, theft with this bank.

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 2021-07-13 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: IL

Complaint narrative:
I have been a victim of identity theft. All of my personal things were taken now are attempted to be used to open accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC System a collection agency which apparently has a history of false, wrong collections with strong-arm tactics, contacted me by letter a few months ago claiming I must pay a debt of {$500.00} from XXXX of 2020 ( a year ago, in other words ) for XXXX XXXX, which is not me, not my name. My name is XXXX XXXX. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, XXXX , Florida XXXX, about XXXX miles from me. I live in XXXX XXXX, CA. I wrote back to IC Systems telling them they are wrong in contacting me as I am not XXXX XXXX nor do I know anything about her debt, and to stop bothering me or I would take additional steps to get relief. Yesterday I got a sdecond letter from IC System saying they got my letter and will honor my request not to contact me again, BUT I STILL OWE THEM {$500.00} FOR the debt to XXXX, apparently a TV cable service company atXXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. I will upload a copy of the bill for {$500.00} enclosed in the second letter from IC System which has XXXX  name + address as well as XXXX XXXX 's name and address + phone and her account number : XXXX. IC System has meanwhile ruined my credit rating by filing a collection action with the 3 big credit reporting agencies -- see my attached notice from XXXX XXXX, notifying me of their damaging action and false collection effort on XX/XX/XXXX, months after my letter explaining they were wrong in pursuing me, the wrong person, in their collection efforts. So they have demonstrated BAD FAITH by ignoring my facts and pursuing harmful action against 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 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Me and other person opened an joint account online with Bank of America. I went in and deposited the money within few weeks of opening the account. The teller told me that funds are not on hold and available right away. within few days Bank of America without any communication or even no notes on my account put a huge amount in negative {$880000.00}. I called them right when I saw it and they told me that this is their code of freezing the account. I spend 2 days so far on the phone with them trying to figure out what is going on, they are not giving me any answers. Today I saw another withholding from my account for {$370.00}. I called them again and they are not giving me any information. So instead of them working and communicating with me about any issues, they are steeling money from my account without any reasons. I need your help to get my money back. This is fraud and scan on their end. I have a small child and they block all my money and I do not know how to survive. Bank of America refuses to release any amount of money. Also, I would like to request they they release all money right away and pay me daily interest on the money that they block. The account number is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I am writing to get assistance with Credit Acceptance. This is my second complaint against this company. I attempted to get this account deleted from my file due to inaccurate information being reported on my credit file. In response to my first complaint Credit Acceptance sent me documentation for a vehicle that I already paid off. They are reporting a second vehicle with the same account number. 

I deployed with the Delaware Army National Guard 198th Expeditionary Signal Battalion in support of Operation Enduring Freedom ( Spartan Shield ) in XX/XX/XXXX. I got divorced prior to leaving for my deployment. This vehicle does not belong to me. My credit report shows that there has not been a payment for this vehicle since XX/XX/XXXX. 18 months of late payments have been reported. This derogatory item is negatively affecting my ability to use my VA loan to purchase my first home along with causing me anxiety due to the adverse impact is has on my credit score. I was discouraged upon my return from deployment in XXXX of XXXX, to find that my credit score was severely damaged by a vehicle that does not belong to me. It is unfair that I am being held liable for payments that violate my rights as a Servicemember. 50U.S. Code Chapter 50-Servicemembers Civil Relief Act declares in the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under section 502 ( f ) of title 32 for purposes of responding to a national emergency declared by the President and supported by Federal funds there is XXXX. Protection under installment contracts for purchase or lease and 105 Stat. 39, related to protection of persons secondarily liable. I am filing this complaint against Credit Acceptance for violating my rights under the Servicemembers Civil Relief Act. I attempted to resolve this issue myself. Please address this matter immediately. I am asking that Credit Acceptance delete this item from XXXX, XXXX, and XXXX  immediately and permanently. As a Veteran, I have served my country honorably and would like the opportunity to live a full and productive life with credit in good standing in the country that I serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: FL

Complaint narrative:
Klarna was listed as a financing option for a product sold by XXXX. Its the only financing option. The requested amount was to cover the purchase of an XXXX I completed the online application and was approved for the full amount. I accepted the terms for 3 year fixed rate loan. After reviewing the TIL disclosure I clicked submit and then was told I was declined after being approved and the reason was listed we are unable to verify your identity. I was then reached out to the finance company and informed them of the issue and was willing to provide any type of documents to verify my identity and was told No, there is no escalation or reconsidering. I let them k ow that I thought it was illegal to decline an applicant for that reason without first allowing the applicant to prove his or her identity and the. Was told Id get a letter or email stating the same. I have never received such correspondence. I noticed on social media others are being declined for the same reason after being approved and the result is the same. No reconsideration!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL

Complaint narrative:
Recently my credit card company has started putting 14 day holds on most of my payments. This is a reward card and I had car payments, cable, cell phone, utilities and other automatic payments posted to this ard to maximize rewards. By failing to give me immediate redit they have made me remove all payments because for most of the month they are not making the funds available They never notified me of this " change '' and I only found out when scheduled transactions were declined. In over four years with this card - credit was granted immediately. I have not had any late payments or returned payments. I believe they saw that I was using the card for full reward benefits and instituted this to prevent me from earning maximum rewards. The card # below is a new card issued, XXXX 2021 and replaces card ending in XXXX which is where the unfair practice started

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
In XX/XX/2017 my home was more than 75 % destroyed by a wildfire. My homeowners insurance ( with XXXX ) paid for several type of coverage ( loss of personal goods, loss of furniture, destroyed plants, a mobile home on the property ). XXXX wrote a check for the amount of my coverage on the dwelling XXXX {$530000.00} ) to the lender and me. I endorsed it to the lender. ( XXXX XXXX at that time. I'm told the loan is now owned by Celink. ) XXXX XXXX paid {$410000.00} +/- to a general contractor who worked on the rebuilding. Celink has the remaining {$120000.00} +/-. 

Celink will not release any of those monies to me or my current general contractor. Celink maintains that I have to rebuild or replace the mobile home that was on the property and a workshop that was on the property. 

There are both items of personal property. Celink is withholding insurance proceed that were provided by XXXX to rebuild/repair the " dwelling ''. All other payments from XXXX for other type of coverage were paid solely to me ( i.e. not to the lender and me ). 

The mobile home and workshop are not part of the real estate that is the security for the loan Celink now owns. Neither of them are items I want to, or intend to, replace. I do not believe Celink is justified in withholding the {$120000.00} which I need to complete rebuilding my home. Celink will not discuss this with me. 

Can you clarify whether or not Celink is entitled to withhold those funds? 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 

1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
DISPUTE LETTERS WERE SENT TO THE AGENCY AND WERE DELIVERED ON XX/XX/21 AND XX/XX/21. THE AGENCY AS PER THE FCRA HAD TO MARK THE ACCOUNTS AS " DISPUTED BY CONSUMER ''. THE AGENCY FAILED TO MARK THE ACCOUNTS AS " DISPUTED BY CONSUMER ''

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 2021-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC
State: OR

Complaint narrative:
I have been trying to get ahold of this company for 2 months now about my ppp loan they sent that went to the wrong account and no luck i habe sent many tickets nobody reapomds the number i call stays busy i have tried womply no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Absolutely ridiculous I filed a complaint and the chase executive office contacted me telling me my credit card would be reconsidered and they gave me a phone number to call but then I call and they said I can be approved but then I have a fraud alert and they said they have to trasnfer me to get the verification done on the app and thats it its processed and that their recommending it for approval but after I was transferred to this department and I was 3 hours on hold what a horrible experience to get this application approved this isnt fair why do I have to be on hold to speak with their verification dept why cant they call me and get this verified and my card sent they lending team told me I would be approved that this is a full al step the verification since I have a fraud alert and I did what they told me and the executive office called me advising to speak with them and it worked but the verification. Now is the problem I dont know what to do I just want my application processed and approved Ive been waiting too long and yes lending said that I qualify for the card they did the reconsideration Ans said I meet the credit criteria for the card and that the limit would be {$5000.00} but that the verification needed to be completed by that dept which they transferred me too but no one would Answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be deleted from my credit report. 

XXXX : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft LVNVFUNDG Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA XXXX XX/XX/XXXX {$8000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$100000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$35000.00}

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 2021-07-13 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: IL

Complaint narrative:
I have been a victim of identity theft. All of my personal things were taken now are attempted to be used to open accounts in my name.

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 2021-07-13 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: NV

Complaint narrative:
i sent in a letter from the united states bankruptcy court stating the bankruptcy court does not perform any activites with the credit bureaus .i would like it remove off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
XX/XX/21 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX. {$15000.00} I went to a dealership to trade my car in for a different one at XXXX XXXX where they ran my credit through all of these companys an I had {$45000.00} in the bank at XXXX  XXXX XXXX at the time. All these companys denied me a loan there are several more on different dates. An all these inquiries are posted on my consumer report

Company response to consumer: Closed with explanation