vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 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: CITIBANK, N.A.
State: DC

Complaint narrative:
Credit cards was open in my name by someone else. Credit cards I applied fir was received by someone else and active uses. My bank/atm card was used by someone else in 2006 to purchase a building/house in New York. Name used as purchase for building/house in new your was XXXX XXXX. Person listed me as self employed on purchase of building/house in New York XXXX Person that is connected to house and all credit cards and miss information and phone numbers dont belong to me and addresses is my wife boyfriend. Credit cards was recently reported to credit companies so as well of the purchase of the building/house for XXXX dollar in New York XXXX The person name that came up as using my card for purchase of XXXX in New York for XXXX dollar name is XXXX XXXX XXXX XXXX This person have taken over all life active of me and social media and even created fake emails as me and logs in as me on social media, XXXX XXXX to give friends and coworkers of mine false info of me. He also used XXXX and other media to request coworkers and friends to conversation with him. There is many other domains created by him and my wife to hide them self from me knowing there fraud.

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 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
Account Name FNB Omaha Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$430.00} I do not owe FNB Omaha- ( account # XXXX ) {$430.00}. I never heard of FNB Omaha. I never did a contract with them. 

Futhermore, I am in the state of NC and they can not legally collect in my state for a date that I did not owe for this company. NC is three years of statuatory limitation. Their also reporting inaccurate My understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that The data should be reported to the specified definitions in order to process credit information correctly. I am also in the state of North Carolina which the statue of limitations is 3 years. I do not owe FNB Omaha- ( account # XXXX ) {$430.00}

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 2021-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
NAME OF MORTGAGE LENDER : NAVY FEDERAL CREDIT UNION CONTACT : XXXX XXXX, Resolution Processing Officer ( XXXX ) XXXX Ext.XXXX  XXXX, Loan Officer/Loan Package Processor ( XXXX ) XXXX ear Sir/Madam : I am an XXXX XXXX Veteran. I have applied in XX/XX/2021 to refinance my VA XXXX XXXX  loan with tNFCU. My loan was approved and scheduled for closing today, XXXX XX/XX/2021. The Escrow is being handled by XXXX XXXX XXXX XXXX in Texas. My property is located in XXXX XXXX XXXX, Utah. 

In spite of repeated requests for my lender, NFCU to send me copies of my Closing Documents, I was denied of my request.I was advised in writing that Loan Closing documents are not sent to Member-Borrower. 

On Monday however, ( XXXX XX/XX/2021 ), I received an email from First Am Escrow Asst. an email with 3 separate attachments consisting of Closing Documents. One attachment has approximately 142 pages of documents. On each page marked DO NOT SIGN FOR REVIEW ONLY. I am unable to read most of the documents because of the markings that covered words and numbers. 

By law, mortgage Consumers must receive the Closing Disclosure no later than three ( 3 ) business days before consummation of their loan. The forms use clear language and design to make it easier for consumers to locate key information, such as Terms of the Loan, Detailed Fees, Interest Rate, costs to close the loan, etc. The Deed of Trust is approximately a 15-page documents. It is so difficult for me to read the fine prints with markings on each page that read DO NOT SIGN FOR REVIEW ONLY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Had a flood in my home XXXX, XXXX 2021 which the insurance is paying out XXXX out towards the damages on the property. I sent out the first insurance check to Carrington XXXX XXXX draft department the XXXX of XXXX, they sent the check to the wrong address multiple times to the point we had to order a new check from the insurance. My representative is XXXX XXXX Ext XXXX She has repeatedly told me its been handled and said she sent the new check out and its been indorse so we can repair the property. And they just sent the check back without it being indorsed. At this point it seems like its a game and nobody in the Carrington XXXX XXXX Draft Department is helping to get this job done the correct way. I'm struggling to pay to fix all of the damages in the property and Pay my mortgage. I seriously need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: PA

Complaint narrative:
I have incorrect information on my credit report it's costing me financial injury I can't get housing car loans or apply for credit card.

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 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
In your response to my complaint you stated : " Our office received an assigned account from the creditor XXXX XXXX with respect to this consumer in XX/XX/2016 for recovery of unpaid auto insurance premiums. Please note the balance due is not owed to Caine & Weiner. '' If the balance is not due Caine & Weiner. Why are they reporting on my credit report? This is false, misleading and harmful. 
You are in violation of : 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692e ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CA

Complaint narrative:
Yes I really need help my personal information was compromised as a result of that my Identity was used to apply for some kind of credit. I have multiple Inquiries on my credit report that are fraudulent. This not not my doing at all as a matter of fact the dates are like back to back applying for credit. Thank you for helping me resolve this matter. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 - XXXX  XXXX  XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, 2021 - XXXX  XXXX  - XXXX. XXXX, 2021 - XXXX  XXXX. 

XXXX XXXX, 2021 - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lamont, Hanley & Associates, Inc.
State: FL

Complaint narrative:
In late XX/XX/XXXX, I received a phone call followed by a collections notice from XXXX, XXXX XXXX XXXX claiming that I owe XXXX XXXX {$730.00} which is completely false. I asked them to send me the original invoice from XXXX as proof, showing the debt since I don't owe anyone anything that is past due. Instead, they sent me their own invoice asking me to pay them, a total stranger, the {$730.00}. Since XXXX, I have a XXXX XXXX life insurance policy which I pay annually via auto bank draft and that policy is currently paid thru XX/XX/XXXX. I'm a XXXX XXXX XXXX and licensed Insurance agent of 26 years so paying bills on time is mandatory for my career standing. My credit history goes back 38 years and is rated EXCELLENT since I have NEVER had one single late payment and my credit score has consistently been well over 800. I also filed a dispute with XXXX since that is the credit bureau where this false and erroneous debt collection appears, however, you can't speak with anyone in the USA. XXXX only has offshore customer service personnel in foreign countries who are very unresponsive and non-caring as to resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I do NOT have any account with this so-called bank, XXXX or Comenity Capital Bank XXXX Never heard of them. 

They STOLE my cell/telephone number from somewhere and have called me, calling me by a person 's name who I am Not. 

Their phone number is XXXX. 

I received the 1st call on XXXX XXXX, 2021 from a " Mr. XXXX '', ext. XXXX. 

The 2nd call came on XXXX XXXX, 2021 from " Specialist XXXX '' ext. XXXX. 

I want these scammers to stop calling me and to be stopped from hacking accounts and stealing cellphone numbers! 

I have never given my cell number out except to my personal bank, so they must have stolen it from there! 

And why are they calling me in regards to a person I am not!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: MD

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX XXXX XXXX alleging that I had recently completed an online application for {$2000.00} and as a result was matched with them. I was advised that the nearest XXXX branch was located at XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. After receiving this email, I received a message from XXXX, an identity theft protection service through which I am a subscriber that a credit inquiry was done by XXXX XXXX XXXX. The Lender was XXXX and the source was Equifax. I contacted the XXXX branch in XXXX and spoke with the branch manager " XXXX. '' She indicated that an application using my personal information had been initiated and that XXXX uses Equifax. I informed her that this was a fraudulent application and an attempt to commit identity theft. In addition, I requested a copy of the application. She said a copy would be emailed to my attention. However, I have not received a copy of the application. Additionally, she advised that someone from XXXX XXXX security division would be contacting me to start an investigation. That has not been done. I have filed an earlier complaint against XXXX XXXX XXXX for breach of personal information. That complaint filed before the CFPB was in XXXX ( XXXX ). At that time personnel from the XXXX, MD branch of XXXX disclosed information contained in my credit report to a third party without my authorization. While I have filed a dispute through XXXX in relation to this fraudulent application, I do have concerns about the unauthorized inquiry attempted by XXXX through Equifax and if it was an attempt to disclose personal information to a third party or if a third party utilized XXXX in order to obtain my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/2021, I submitted a Cashier 's Check ( $ XXXX ) to payoff the debt with BMO Harris and yet to receive a Lien Release Letter. I've reached out through email in XX/XX/2021 and received an apology and promise to resolve matter. Now we are in XX/XX/2021 and no resolution. 

After learning that the lien is on my property 's title on XX/XX/2021, I called Harris bank to inquiry on the matter. It went from you owe us money to we will have a letter to you in 72 hours and promise to escalate the process. After 72 hours has gone by, I haven't received the letter, constant back and forward with phone representative, then I decided to go speak with a branch manager, which didn't get me the letter that I requested. Only explained that the letter is at recorder 's of deeds. Contacted Recorders of Deed, nothing is found. Today, I'm being told that its going to take 10 weeks to get the letter of release. 
This type of action is unacceptable and has caused an inconvenience. They make promise and don't follow through. The fact of the matter, I sent the payment back in XXXX and I am getting the running around to get the required document that should have been in the system, if it take 10 weeks. Just for Harris Bank neglecting to process my payment in adequate amount of time this lean release letter should be in my hands today. 
I need help getting this matter resolve immediately!

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 2021-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
On XX/XX/2021 I saw a new credit card on my credit report, which I never applied for. The account was opened inXX/XX/2021, with a XXXX Arizona address ( where I have never lived ). The card was opened with a limit of {$4000.00} and they had already used {$2900.00}. No inquiries appeared. That same day ( XX/XX/2021 ) I called the responsible company ( XXXX XXXXL XXXX XXXX XXXX XXXX , OR XXXX USA- XXXX ( XXXX ) XXXX ) and they stopped the card and is in the process of investigation. Also ( on XX/XX/2021 ) I called the 3 credit bureaus ( XXXX, XXXX and XXXX ) and put up a dispute. I called the police and they made a report to me on XX/XX/2021. The Responsible Company ( XXXX ) sent me an Identity Theft Victims Complaint and Affidavit that I completed and I will send it to them today ( XX/XX/2021 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: TN

Complaint narrative:
I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to COVID and had a loss of income and missed a payment. Before COVID I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I believe Chase bank to be using deceptive practices with their ATMs to steal cash from people. On XX/XX/XXXX  around XXXXXXXX XXXX XXXXXXXX I attempted to deposit {$450.00} to a Chase ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX but the ATM did not credit the money to my bank account. The ATM showed an error on the screen and produced a receipt telling me to call a toll free Chase number ( XXXX ) XXXX to ensure that the money deposited to my account. I was surprised that the ATM machine did not show me a screen confirming the amount of cash that I inserted nor printed this quantity on the receipt. Frustrated, I went into the branch and asked the supervisor why the funds hadnt appeared in my account yet. She informed me that such errors do occur at Chase ATMs and to call Chases claims department to file a claim for the missing cash. This is the first time I have ever had an issue with an ATM in my life. 

I gave the Chase claims department the ID number of the ATM which the branch supervisor told me was XXXX and the Chase claims department asked me if this was in XXXX XXXX, FL. I repeated to them that this was in XXXX XXXX, FL and that I was concerned about leaving the branch without the money appearing in my bank account. The Chase claims department told me that I would receive a credit to my account within 2 hours and that the money would be credited to my account in 12 hours. Luckily, the credit did end up in my account as described. 
However, ATMs should not be taking peoples cash without 1 ) providing an on-screen confirmation of the amount inserted 2 ) giving the customer the option to recover their cash if the ATM has an error 3 ) printing a receipt with amount deposited. This the trustworthy and typical practice of ATMs per my lifetime experience. 

Furthermore, this complaint is to require more accountability that Chase bank employees are responsible for the banks practices! No employees accepted responsibility for Chases error, so I believe it to be a systemic failure of the bank as a whole to build trust with their customers making deposits. Chase branch supervisors should be able to resolve ATM issues by calling Chase leadership themselves instead of directing customers to do so. Otherwise, supervisors are simply a guise of accountability to customers in these circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 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: PA

Complaint narrative:
I have incorrect information on my credit report that's costing me financial injury. I can't get a job apply for housing or credit cards. According to the FCRA several laws where broken

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 2021-10-19 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: PA

Complaint narrative:
I have incorrect information on my credit report that's costing me financial injury. I can't get a job apply for housing or credit cards. According to the FCRA several laws where broken

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MS

Complaint narrative:
This unknown account was placed on my XXXX credit report. I have not received any correspondence in the mail nor by telephone about this debt/account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XXXX I received a text message from Wells Fargo stating if I wanted to authorize or deny a transaction of a XXXX withdrawal from my savings account. 
I denied by texting NO as I wasnt attempting to remove any money from my account. 

Immediately after this text I received a series of phone calls from an unknown number. 
A ( scammer ) but what I thought was a legitimate representative calling from Wells Fargo told me I needed to protect my savings account as someone was attempting a XXXX transfer of {$3400.00}. I clearly stated that I did not authorize or attempt this transaction. 

The representative stated that someone from MO was attempting to use my bank account to Make other purchases as well. 

This representative told me I needed to send the entire amount of my savings account back to myself using XXXX, otherwise my money could be lost, as the transaction didnt go through yet. 
The representative walked me through the steps to send my money back to my account when in reality my money was being REMOVED from my account. 
After the phone call I checked my account and my balance was {$0.00}. I immediately contacted Wells Fargo and learned I was scammed out of {$3400.00}. 
Wells Fargo informed me that both my accounts were compromised and I changed all my passwords and online information. 
A new debit card was sent to me and my savings account was closed. 
I placed a claim with Wells Fargo that same day and they advised me after an investigation they would make a decision regarding my claim. 
I was told if there was fraud I would get my money back. 
On XX/XX/19 I contacted Wells Fargo online fraud department and they said the investigation was complete and i although there was fraud I made the transactions myself and could not get my money back. 
In conclusion, money in a bank is supposed to be FDIC insured. 
I am a single parent who was scammed out of my XXXX  XXXX money which was all in my savings account with no way to be reimbursed by Wells Fargo. 
Id like a review of Wells Fargos decision making process regarding this issue. 
My Wells Fargo claim # is 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 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation