vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In the end of XX/XX/XXXX I received a phone call from Bank of America regarding a requested reimbursement of a bill payment on my account and if it I had made the request. I informed BoA that I had never made any such request. 
BoA immediately informed me that the account had been hacked and that fraud was committed regarding my account. 
BOA immediately closed that card number down and advised that a new card will be in the mail soon. 


On my charge card statement due on XXXX XXXX for charges from XX/XX/XXXX - XX/XX/XXXX, I noticed two unusual, large charges listed as payment adjustments. I immediately contacted BoA and was informed that they had processed ( 2 ) reimbursement of payments. 
On XX/XX/XXXX, Bank of America added {$2900.00} to my charge account claiming that I had requested a reimbursement for my payment made in XXXX. On XX/XX/XXXX, they added {$1100.00} to my account again claiming I requested a reimbursement of my payment from XXXX. I informed them that I did not ask for any reimbursements nor did I receive any funds. After multiple calls over a couple of months and many different departments, it was finally resolved. When resolved, they informed me that they could not credit my credit card account for the charges but instead had to reimburse my bank checking account for the disputed amount. When I questioned additional interest charges because of these fraudulent charges, they assured all of them would be credited. On the statement immediately following my reimbursement to my checking amount from BoA, I paid them the full previously disputed amount. Prior to that statement, I paid for all legitimate charges in full but was told not to pay for the disputed amount or the subsequent interest charges. On that statement, I was charged {$20.00} interest which was eventually refunded on XX/XX/XXXX. On the statement dated XX/XX/XXXX, I was charged an additional interest charge of {$39.00}. I have continued to pay my bill in full for all actual charges, so this additional interest is based on the fraudulent reimbursement. I immediately contacted BoA and disputed the interest charges that I was previously told would be credited when the fraud was resolved. After many calls, BoA denied my dispute and will not take those interest charges off my bill.

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 2023-04-02 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: SC

Complaint narrative:
I sent a letter to request these unauthorized inquiries to all three credit bureaus certified mail. They were never removed, I need you to please help me remove these unauthorized credit error inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-02 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: SC

Complaint narrative:
I sent a letter to request these unauthorized inquiries to all three credit bureaus certified mail. They were never removed, I need you to please help me remove these unauthorized credit error inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

USAA Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX Acct No. : XXXX XXXX XXXX XXXX XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have called every year for the past 4 years to ask why my online account always shows an error message of BLNK. 
Equifax promises to escalate and fix it but they never do. One car dealership required I pay an extra {$1000.00} deposit because they could not get my Equifax score. 4 years ago. 
When I called Equifax they said it was not frozen yet the dealership insisted it was. I have never been able to resolve this problem for 4 years. 

I read online articles about how they split your account due to too many soft inquiries. Equifax has never told me about such a situation. 
After calling today they could not help me due to system issues. They asked me to call back. The phone line verification process is extremely lengthy. 

I will call back however, I believe the way they manage their customers is atrocious and scandalous how they get away with doing nothing. 
2 of the same screenshots below when I login for the past 4 years They also do not show a car lease I have had for the past 15 months. 

I understand from reading on line that a situation can be created with Equifax where I can have a split file due to too many soft inquiries. Apparently it takes another level of management to fix this situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
See Attached letter to XXXX XXXX of Wells Fargo detailing the background of my case. Of note my loan modification was approved by Wells Fargo on XX/XX/XXXX after successfully completing my trial period. Problems started when trying to process the loan documents. XXXX XXXX, who lives in XXXX, is my common law wife as we have never been legally married. 

At one point I was advised by a Wells Fargo representative that final documents would need to be sent to me in XXXX, MO. and then forward to XXXX XXXX to process and return to Wells Fargo. Later Wells Fargo informed this process was not correct and that documents needed to be sent to me for processing and returning and a separate set of documents would be sent to XXXX XXXX to process. Later I was informed my documents were correct but there were some issues with the documents from XXXX XXXX. Find this strange as her documents were notarized by a Wells Fargo Bank Manager. 

Unable to get help and the correct direction on how to process the loan documents I started reaching out to executives at Wells Fargo.See attached letter from XXXX XXXX dated XX/XX/XXXX after a call. He informed me I was removed from the review process on XX/XX/XXXX because I did not make follow up contact with Wells Fargo. Of note he also confirmed a Wells Fargo Manager did NOT return my call for help. After receiving different directions from Wells Fargo representatives I requested that a Manager call me and provide the correct way to process these documents. 

On XX/XX/XXXX I elevated my request for help and clarification to XXXX XXXX in the Executive Office. See attached message. XXXX XXXX did not reply to my message. So I tried to reach XXXX XXXX, see attached file and he did not reply. So I finally addressed a letter to XXXX XXXX, CEO asking for help. Shortly after these message a very nice and capable lady XXXX  called me to discuss my case. It was extremely comforting to finally speak with a real live person to discuss my case. 

XXXX XXXX sent me the attached letter on XX/XX/XXXX. Unfortunately some of the research and information provided to her was not accurate or complete. See attached letter I prepared but did not send because XXXX XXXX and I had a conference call with her. 

Please note the phone number in this file is for XXXX XXXX who has an excellent understanding of everything. You have my approval to speak with her or can call me at 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 2023-04-02 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: GA

Complaint narrative:
Equifax is reporting inaccurate information on my credit report and it has had adverse affect on my credit score. I reviewed my latest credit report from all three bureaus and asked all three bureaus to ensure all information was accurate and completed according to the fair reporting act. 15 U.S. Code 6802 states Obligations with respect to disclosures of personal information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given any information regarding this nondisclosure option therefore this is a direct violation of this law and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me, also a couple inquiries. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 


-XXXX-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me, also a couple inquiries. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 


-XXXX-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX -XXXX-XXXX XXXX-XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX-XX/XX/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 2023-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I believe my Mortage with Wells Fargo from XXXX was not fair and misleading

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 2023-04-02 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
the company keep changing date and not doing anything to verify the dispute aging my report and its has past the statue of limitation in my state so it need to be remove from my report been dispute this for a couple of years and this should have come to resolution and it has not .how in the world last activity is XXXX and XXXX state its opened this is untrue unfalsely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: AZ

Complaint narrative:
NOTICE OF FAULT- Equifax is continually reporting false claims not in uniformity with the other two credit agencies in these recordings of false claims, or against the statutes of 1692 along with supreme court case law these incorrect reporting need to be deleted as it stands, now, there is possible liability and irreparable damage and stultification on a business level. The other two credit agencies, XXXX XXXX and XXXX are in compliance. This is a commercial corporate LLC account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Creditor Information : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, ( XXXX ) XXXX To whom it may concern, I just received my report and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be investigated. Please make sure everything pertaining to my credit report is correct. 
I have XXXX accounts open and have only XXXX account number, XXXX amount of {$4900.00}/ account XXXX shows {$15000.00}. 
I have already paid off my student loan debt though my over XXXX years of service in the XXXX XXXX. The XXXX XXXX by contract with me under the Student Loan Repayment Program, I signed XXXX XX/XX/XXXX. The debt ( approx. {$60000.00} ) was paid by the XXXX on or about XXXX. I paid taxes in XXXX for earned income credit when XXXX XXXX paid off student loan debt. I didnt receive any correspondence about my student loans until on or about XXXX. 
I have asked XXXX and the others before it was bought ( several times ) out to clarify and validate the following on all open/closed accounts. I have never received any specific correspondence in any regards to the accounts reporting to the credit bureaus. 
I have asked repeatedly for XXXX to provide the following information : *Loan origination documents *Pay off disclosure *Interest rate disclosure *Balance history ( with all companies that must be assumed to hold this debt since origination ) *Complete payment history *Credit insurance I, validate account Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX XXXX : XXXX Account XXXX : Unknown This account should be closed, and so old that is should be removed from my history as an aged account. 
I respectfully ask for you to provide some kind of proof on these alleged items, specifically the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also understand that under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided in fifteen ( 15 ) days of the completion of the re-investigation. 


CFPB please look into this matter, so that I can get the corrections on my credit report to reflect more appropriately in accordance with the law, so that I will be able to purchase a home for my daughter and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: TN

Complaint narrative:
On about XXXX, 2023 I cosigned for my sons home loan through XXXX XXXX XXXX. What happened next is a nightmare. XXXX XXXX  purchased the loan from XXXX XXXX failing to properly transfer the personal and contact information. This resulted in a four month delay in mortgage payments to XXXX and a XXXX point negative charge against my hard earned Equifax credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
According to the fair reporting act state employee credit union account number XXXX. Has violated my rights. 15 U.S.C1681 section 602A states. I have the right to privacy. U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Witch I have not written any intrusions for this account to be furnished. Also a dispute was filed informing them of laws broken and nothing was done but a update to my file witch I also didn't give me written consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX Acct No. : XXXX NAVY FEDERAL CREDIT UNION Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX WELLS FARGO Acct No. : XXXX XXXX XXXX XXXX XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

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