vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report. XXXX, XXXX, XXXX, XXXX. 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.

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 non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i just wan na complain Wells Fargo bank bec. ever since someone hacked my card and i try to asked for a new one. until now i havent got it yet .and its been 2nd time that i use temporary card. i gave them the right information the exact address but until now i never recieve my actual debit card at all. Its bec im a poor credit person they can do that to me. This is not right ... and i cant even open a new account to otsher 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 2019-12-20 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: WI

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened.

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 2019-12-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened.

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 2019-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
I do not have any debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Reputable banks ( XXXX, XXXX ) link all accounts under a given SSN, so that the person in question can see any accounts he / she has open with that institution. No surprises, no phantom cards opened under your name that you didn't know about. Because when you log in, everything under your SSN is in one place.

Citibank, by contrast, deals in obfuscation. You can have 10 years of different bank accounts and credit cards with them. All accounts are under the same SSN, same contact info, mailing address, and the like. Yet all tend to have different logins. They don't link automatically. If you weren't aware that an account was opened in your name or a duplicate card was sent to you with a different number, you would not know it unless you knew the card existed and found a way to link it, through extra steps, to your primary account. 

This obfuscation ( not linking accounts ) facilitates fraud. But it helps CITI charge usurious interest rates to unsuspecting people. People who, because the accounts aren't linked under the SSN, didn't even know a given ( often fraudulent ) account existed. 

That is what happened to me. Citi sent a phantom card. Charges were made to it. I had no access to it. It didnt ' appear under my normal Citi account - set on autopay. usurious interest accrued. I never received a paper statement. And now they are trying to pretend this is ok. 

This deliberate failure to link accounts perpetuates wholesale fraud against the nation. It needs to be addressed. 

As for me, I need all interest charges waived on this phantom account ending in XXXX. I need the account closed. I need a paper statement of all charges so I can see what was fraudulent. I also need all Citi account linked to my SSN closed. I just can not trust them any more.

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 2019-12-20 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: MA

Complaint narrative:
I do not recognize these accounts. I have contacted the creditors but they have failed to provide me with necessary documents that will prove these accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I do not recognize these accounts. I have contacted the creditors but they have failed to provide me with necessary documents that will prove these accounts are mine.

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 2019-12-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I do not recognize these accounts. I have contacted the creditors but they have failed to provide me with necessary documents that will prove these accounts are mine.

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 non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Remove this account from my credit report this account was opened in a FRAUDULENT THANKS

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 non-monetary relief
Consumer complaint received 2019-12-20 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: TX

Complaint narrative:
XXXX XXXX was sent to XXXX please remove the inaccurate information by law up to the creditor to provide proof that the debt does actually belong to you, so if they cant ( or choose not to ), they must remove the negative mark from your credit report. Pay for Delete If the collection is, in fact, yours, consider paying the collector so that it is removed from your report.

btw police report should be enough also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
On XX/XX/19, I was contacted by XXXX XXXX ( XXXX ), from a company called AmeriSave, and was offered a refinance loan on my house per an ad I reponded to online. I gave him my ssn, home address, etc. He pulled my credit and said it should be no problem getting approved at 3.5 % w/ XXXX in equity coming back to me. He said my credit was fine for this and said we need to move forward with the appraisal. So I did and paid XXXX for it ( which was to be reimbursed upon completion of the loan ) on XX/XX/XXXX I received an email stating they couldnt process my loan due to credit issues or incompleteness of loan. I wantIve called and left several messages w/Mr. XXXX w/ no  response. I want my money back at the least and be given the number to a reputable company who takes care of vets. Thanks

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and I purchased an auto from XXXX XXXX in XXXX of this year. I was approved through XXXX XXXX XXXX and prepared to make my payments as agreed. I was not informed that the auto had been re-contracted through Wells Fargo. I was made aware by an alert from my credit monitoring site that Wells Fargo was showing past due. You can imagine how upset I was because I was unaware I even had an account with Wells. I contacted the finance manager at XXXX XXXX and was told what had occurred. As soon as I was made aware that the financing was being handled through Wells Fargo I did get the account current. I was never made aware of the change of lender! My credit is perfect except for this one account that truly was not my fault. The Finance Manager even wrote a letter to Wells Fargo explaining the mix up and also explained that it was their mistake and NOT mine. I have included the letter that was sent to Wells Fargo from XXXX XXXX and their response.

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 non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
COMPLAINT AGAINST XXXX XXXX On XX/XX/XXXX, I paid {$150.00} as monthly payment to my XXXX XXXX account and on XX/XX/XXXX, I paid {$180.00} being my balance on my card.After processing the deposit of {$180.00} my balance was XXXX in terms of payment and my credit card balance was $ XXXX.Since that date there was no further transaction on my part. In XXXX I noticed a charge for a late payment of which I confronted them over the telephone. They explained to me that I did make any payment on XX/XX/XXXX which of course I did. Later they withdrew {$15.00} late payment of which they have already taken {$35.00} as late fee. What about the remaining $ XXXX I also saw another charge of which I asked them and they informed me, it is the yearly charges. I disclosed to them that since I paid all my balance, I have not engaged in any transaction so why charge me yearly charges at that time. I asked them to show me previous dates that I have been paying the yearly charges but they could not provide me the information. I later received a mail from them that I have a new balance of {$150.00} and that I should pay a minimum payment of $ XXXX that I should pay today XX/XX/XXXX.Yesterday I then checked my account online and saw changes that are quite different from the mail I received. On my online account I now have a new balance of XXXX and that I should pay $ XXXX on XX/XX/XXXX XXXX.Why the sudden changes? Why the information in the mail is different from the information that is on my online account. So between XX/XX/XXXX when I paid up everything with my balance standing at $ XXXX to now XX/XX/XXXX without engaging in any transaction, my credit balance is XXXX.Now I see on my credit report a balance that is to be paid by them after I have already closed my account. I did similarly with XXXX XXXX XXXX and they did not come back to be stating that I owe them.

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 2019-12-20 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: MoneyLion Inc.
State: FL

Complaint narrative:
Once again, I am having to come to you to fix this issue. Money Lion is again reporting that my loan with them was previously outstanding which is NEVER has been ALL payments were made ON TIME! You can not speak with anyone at this company Im management to correct issue only customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
This company is charging a customary fee in amounts over {$400.00} every two weeks. There is no way I will ever be able to pay this loan off when I am only paying for this customary fee. Its is so much money. I was not made aware that I would be charged this fee. I thought that I would only pay an interest fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XXXX XXXX I, XXXX XXXX XXXX was approved for a vehicle loan with my bank ( USAA ) and it was transferred to a dealership that was found online in XXXX   and USAA stated " they looked up their dealer license and was recognized by the DMV '' I am an XXXX XXXX military member living in XXXX  XXXX. on the XXXX of XXXX was the last I had heard from XXXX XXXX ( the dealer ) as he stated " the transport vehicle had a flat tire and I am figuring out the status myself '' I since then his phone number has been disconnected. and I have not received a vehicle, USAA did not receive a title and USAA said that " we are sorry but you are stuck with the loan ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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:
EQUIFAX IS REPORTING FALSE INFORMATION ON MY REPORT, I HAVE DONE ALL I CAN TO GET INFORMATION REMOVED. 
ACCT INFO. 
XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management , LLC Has been reported several times in regards to a matter with XXXX XXXX XXXX. I have reported them to you all and the credit bureaus. I have proof of everything. They have attempted to use a bill while I have payment receipts, emails of cancellation date, texts from the company. They have now emailed me without me giving them my email and permission. Ive stated to them several times in complaints that communication is to be through mail. Im shocked they would send an email after being reported. They randomly called me the first time asking information then lied about me refusing. Their tactics are very unprofessional and unethical. If they continue an attorney will be contacted because I have proof of requesting mailed communication and that theyre not abiding by this. There is also proof theyre attempting to collect {$540.00} which isnt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a VICTIM of off base/strange/invalid/obsolete as well as conceivably even false deception. This condemning of the mis-announcing/ mis-information affidavit is to declare my direction that you, as regulated, produce physically counters fer federal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception of INACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus my utilzation of this controlled Identity Victim 's Complaint and Affidavit

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 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I would like some help if I can get it. The service company I have for my mortgage is Nationstar Mortgage/AKA MR. Cooper Account Number XXXX. I have owned this home since XXXX. In which several banks and services companies have taken it over. I previously got behind in the mortgage in the amount of XXXX. I fell in the arrears because the occupants caused several thousands of dollars to my home including replacing the heat and air system. Plus several medical bills as I am a XXXX XXXX veteran exposure to XXXX  XXXX  and doing the best I can to solve all these problems. 
I sent Mr. Cooper XXXX In XX/XX/XXXX which I was sending another XXXX by they end of this week. Which brings me up to date with the mortgage. Mr Cooper advises that they will not except the payment even though they have already process the first XXXX and will not return it so I can't pay the full amount of XXXX. to bring the loan current. Instead they have sent it to an ATTY. XXXX XXXX in XXXX Georgia. inturn they are keeping my first XXXX and I can't pay the XXXX if they do not sent it back so I can sent them the full payment of XXXX If you research you will find hundreds of complaints filed against this company, along with a few government law suits against this company. This company is corrupt as the day is long I can't afford to loose my home as it has XXXX in equity will be used to get my kids through college Can you please help Regards XXXX XXXX XXXX XXXX XXXX XXXX Home Address XXXX XXXX XXXX XXXX XXXX, Georgia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Nissan Motor acceptance has repeatedly harassed me with regard to my auto lease. On XX/XX/2019, after I had previously received two unanswered calls they called back on my cell number XXXX and asked them to stop calling me. Nissan Motor acceptance then called right back on XX/XX/19 at approximately XXXX. I explained to XXXX that I requested no calls on XX/XX/19. She stated that they needed to verify it was me, I explained that I didn't believe that is true and that they are in violation. I explained that my cell number is a verifiable number and anyone stating not to call the calls should cease. I explained my reasoning for calls due to the number of calls and Nissan not following the law. XXXX says they would not contact me by phone.

Company response to consumer: Closed with explanation