vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Previous Complaint # XXXX and info below. 

Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$360.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$360.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$360.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$5200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$5200.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$3300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3300.00} past due as of XX/XX/XXXX. Show more Account name XXXX XXXX Account number XXXX Recent balance {$350.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 


Per there response I've provided and emailed the physical copy of the police report as asked to provide. I was told after this information was sent that. I was told I'd be notified of an outcome but still haven't gotten one yet. I'm just trying to get my credit situation finally solved and fixed once and for all so my innocence gets these off my credit. I understand Rash Curtis and Associates is a business and they're just doing their job, but I'm also doing what I can to solidify their needs to fix this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently filed a claim regarding an authorized transactions on my account. The bank, Wells Fargo denied the whole claim based on the fact that I could not prove any fraud on the FIRST of the three transactions. All the transactions were fraud and they never investigated the second or third transactions just denied the whole claim based on the first one

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 2021-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank froze my savings account without explanation. The fraud department refuses to even speak with me as they claim my phone number ( XXXX ) XXXX XXXX can not be verified. So I can not proceed further. Ive tried escalating the issue with no success. The number has been in my name for 15 years. I regularly receive texts from Citibank on this number. All I want is my account unblocked and to close my account and never have to deal with Citibank again.

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 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WA

Complaint narrative:
This complaint pertains to both a new Checking and Savings account with US Bank. The mailer prominently displayed " Get {$800.00} '' I responded to a mailed advertisement for a {$400.00} checking and {$400.00} savings new account promotion. The promo code was XXXX. 

I called US Bank as instructed on the document to open the correct product accounts. The customer service rep helped me open both Checking and Savings account and recited the promo code back to me to confirm. 

I met ALL stated terms on the promotion including dates, direct deposits, and minimum balances. The date by which the promotion amount should have been deposited passed with no bonuses deposited. 

I emailed customer service via email and had several exchanges. The rep helping me, XXXX XXXX, was very friendly and attempted to resolve the situation. 

Ultimately they confirmed I met all criteria, but that the code was entered incorrectly ( again, must have been by the telephone rep since it was over the phone ) and they attempted to but could not enter it correctly since the date of the promo had passed. 

Response : " I noticed the incorrect code was added to the account when it was opened so I submitted a request to have the correct promotional codes added to your accounts. It should take 2 business days to complete. '' Several exchanges later, the email rep apologized and said there was nothing they could do. 

Response : " I heard from our back office about the bonus again. They weren't able to add the bonus because the promotion is expired. I'm so sorry for any disappointment. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I paid my home loan on time every day since 2018 and in XXXX they gave me a 30 day lead and I have proof that I paid it on time I spoke to a person name XXXX XXXX who refused to update the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank Of America ( BoA ) account was in very good standing in terms of credit limit before the Covid pandemic crisis. My credit line then was {$9000.00} with an offer of 0 % Apr for 18 months. I reached a balance of almost {$4000.00} which I tried to pay off every month with my monthly payments of around $ XXXX {$400.00}. 

It was in XXXX that my financial crisis started due to covid and I missed a payment. That was when I incurred a {$25.00} fee and right there and then my credit line went down from {$9000.00} to {$2100.00}. 

After that one missed payment, I still tried to make monthly payments after that and still tried to pay more than the minimum. I wanted to settle my debt before the 18th month of 0 % to avoid incurring interest charges. Yet, as hard as I intend to pay it off, I reached the 18month and Bank of America did not give any consideration and I incurred a total of {$59.00} of fees and charges. ( Breakdown is listed below. ) And this is the reason why I wrote - to request to refund the amount of {$59.00} which is the total interest charges I incurred for 4 months for failing to make enough payments every month due to the same reason. 

When you call BoA, they promote an assistance for payment due to financial hardship and its so ironic that my request to have the charges be waived is not given any consideration. 

Previous credit limit before XX/XX/XXXX was {$9000.00} and now down to {$2100.00} Balance transfer amount XX/XX/XXXX 0 % promo ; Ended : XX/XX/XXXX Fees and Charges : XX/XX/XXXX - {$25.00} XX/XX/XXXX {$14.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX {$7.00} XXXX - {$3.00} Total : {$59.00}

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 monetary relief
Consumer complaint received 2021-02-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent out information regarding inaccurate items listed on my report to follow up a complaint that was made about 30 days ago and to my knowledge hadnt been addressed, this wasted time that the company is stalling and is hurting my life as well as destroying my credibility for credit i want these negative items removed from my credit report. Below are the letters I sent explaining that the accounts listed did not come from me as well as the documents that was removed that did not pertain to me on my 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 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
Hello, I have tried twice to fix my wrong ratings on my consumer report with Equifax. I have sent a first dispute on the XX/XX/XXXX. 

Credit bureaus usually have 30 days to answer your request, which they have not respected the first time, since I did not get any answers and had to dispute a second time. 

Both my accounts are settled and should have an updated MOP at XXXX and not XXXX. 

I have sent another round of dispute online on XX/XX/XXXX and now they have answered me and said that the information has been updated, but the MOP is still the same. 

They should be reporting the correct rating, since this affect my financial life and freedom. 

Here is what the Government of XXXX states to be rated 7 : - 7 Making regular payments using one of the following debt management options : a consolidation order orderly payment of debts consumer proposal debt management program with a credit counselling agency https : XXXX XXXX this can be fixed so that I can keep moving forward with my credit. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: Credit Plus Inc
State: TX

Complaint narrative:
After reviewing my credit report, I noticed on XXXX a few unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Plus- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
After reviewing my credit report, I noticed on XXXX a few unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX-  XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Below is a list of items that are to be removed from all my report ( s ) OR accounts due to the information being in inaccurate. 
Names XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXXAddresses Addresses XXXX XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Multifamily Phone Numbers ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: ND

Complaint narrative:
I recently applied for a wells fargo credit card account and upon receiving a letter by mail I was informed that my application had been denied because of a previous wells fargo checking or savings account that was not maintained as agreed. I contacted wells fargo and made them aware that the account referenced was opened fraudulently while I was incarcerated and that wells fargo identity theft team and online fraud resolutions team had dispositioned the account as fraud on XX/XX/2020. I also provided them with the case number ( XXXX ) for the disputed account. I was then transferred to the overdraft dept and explained the situation and was told that an investigation had been opened into my claim and would take 14 days to be completed. I explained to the rep that an investigation had already been conducted and that the problem was that their system was still holding me responsible for the fraudulent account and that it was preventing me from being approved for any wells fargo products. The rep told me that it didn't look like Fraud to her and proceeded to tell me that it didn't matter that an investigation had already been conducted absolving me of all responsibility. I explained to her that I had been the victim of identity theft while I was incarcerated. I believe that wells fargo is penalizing me and holding me responsible for an account that has already been ruled as fraud by their investigations team. I am requesting that any overdraft or charged off account still being held against me be removed from the system so that I am not penalized for an account that I did not open and so that I am permitted to apply for wells fargo products in the future without.

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 2021-02-16 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I let Amazon know that I received a phone call telling me that I had made a purchase of {$720.00}. It gave me a phone number to call : XXXX. 
I called Amazon directly and told them what happened and they said this was a fraud. I did not call the number given to me on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
My credit card was stolen and used to make charges. I reported it immediately to the company as soon as I was aware of it. I filed a police report. HSBC continues to try to collect this and has damaged my credit. Some of these charges are in countries I have never been to. HSBC requested I fly at my own expense around the world to all these places to file police reports. They even wanted me to fly to the city in XXXX where their fraud team is in XXXX. They did nothing to investigate and closed their investigation before even providing me with a full list of the charges. I reported to the credit bureaus that these charges were fraudulent and HSBC replied that they " can't contact me ''. I reported these charges within the time required by law. I am not legally responsible for any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Instant Cash Flow, Inc.
State: UT

Complaint narrative:
This person XXXX XXXX keeps emailing me about a loan I took out but everytime I make a payment I still OWE MORE MONEY. HE IS THREATENING TO TAKE ME TO COURT & IS REFUSING TO SEND ME MY IDOMIZED RECEIPTS FOR ALL THE PAYMENTS I HAVE MADE. ITS ABSOLUTE RIPOFF AND I AM AFRAID THIS COMPANY IS ROBBING ME BY SCAMMING.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: KS

Complaint narrative:
I applied for a refinance with AmeriSave mortgage in XX/XX/XXXX of XXXX. This was for a property my wife and I owned in Delaware, a second home in a resort area. We have refinanced this at least twice in the past. They did not express any concerns with our application or credit to proceed with the loan. 

Before they would begin the application process we were charged {$520.00} for a home appraisal, this was also on XX/XX/XXXX. The application process was VERY long, and required more documentation that other loans we had applied for. On or about XXXX AmeriSave terminated our application because the property 's homeowner policy allowed for short term rentals - basically renting out the home for vacationers. We don't do that with our property but the covenants of the development allow it. AmeriSave stated that underwriters for our type of loan would not allow this kind of short term rental allowance. 

So after months of responding to their every data request we are out {$520.00} when we should be saving money. I requested to get my {$520.00} returned to us since this was clearly AmeriSave 's lack of due diligence in screening our property ofr this eventual show stopper. Since we had refi'ed the property several times before we had no idea the loan vehicle they were using had this kind of restriction. They have refused to at least give me back the money for the appraisal for their misleading behavior and incompetence. Hope you can help. The AmeriSave loan number is # XXXX and my loan officers were XXXX XXXX and XXXX XXXX. I can provide phone and email if that helps.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 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: GA

Complaint narrative:
Pleaseeee hellppp me and figure out why I have those accounts in my report. They are not mine but I am forced to file complains because otherwise I can not simply get rid of someone else accounts that are placed in my profile. This is ridiculous! I am very sad ... .. and its killing my report and my life planning .... Could you please investigate and remove them? I am hopeless that I can not do anything with wrong items in my own report ... Delete them after you make investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: OH

Complaint narrative:
I have attempted to get this debt off of my credit report now 3 times, and they continuously state the information is valid, even though the original creditor is unable to find any record of me in their system. The below is a letter I have sent to them asking once again for an investigation into the issue, as requested by a representative I spoke with on XX/XX/XXXX named XXXX : To whom it may concern, Attached is the XXXX Balance Letter that was sent to me via secure email from XXXX XXXX. They are a company that handles the billing for XXXX of XXXX XXXX, XXXX and/or XXXX XXXX XXXX XXXX. I personally called XXXX of XXXX XXXX  and spoke with their billing department. I gave them my address ( which I've lived at since XXXX ), my phone number ( which I've had since XXXX ), my date of birth, XXXX, and of course my name. They stated that they have absolutely no record of anyone with that information in their system at all, AND stated that they keep records for 6 years. They then directed me to XXXX XXXX to check and see if they had anything in their system, to which they did not. They then sent me the attached XXXX Balance Letter to try to get Pendrick to close the debt as illegitimate. This was in XX/XX/XXXX. Allegedly, Pendrick did an investigation and stated that they found the accounts to be valid and did NOT close the accounts. Now I have Sent Solutions working for them, attempting to collect the same debt. 

I really don't know what more I can do to make it clear that this debt you claim to have for me is NOT accurate. I live in XXXX, Ohio. That's nearly an hour from the hospital that you are claiming I was at. I have never even been to XXXX. I don't know anyone that lives in XXXX. I would also NOT seek medical treatment at a hospital an hour away when there's about 6 others within 20 minutes. That's just XXXX. 

I'm asking, FOR A 3RD TIME, that you investigate these accounts and close them, based on the fact that the alleged original creditor has absolutely no records of anyone by my name, with my date of birth, and with my social ever having visited their facility. I have provided you with more than enough information to handle this. 

I am also contacting the CFPB, XXXX, and Attorney General 's Office at the same time I'm sending this email because quite frankly, your offices have harassed me continuously and ruined my credit for absolutely no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: RateGenius Loan Services Inc
State: AZ

Complaint narrative:
XX/XX/XXXX, rategenius rep XXXX XXXX pulled a hard hit on my credit score without authorization. I applied originally XX/XX/XXXX and refused the loan. I did not agree to have my credit score pulled or checked again. I do not want this loan. He had no permission to incur another hard credit hit and offer another loan I do not want. When I tried to contact credit union west I was on hold for 20 minutes and hung up on. Tried calling XXXX directly and went to voicemail instantly.

Company response to consumer: Closed with explanation