vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX BARCLAYS BANK DELAWARE was removed my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.

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 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
on or before XXXX XXXX I SUBMITTED A LOSS MITIGATION SHORT SALE APPLICATION TO SPS SERVICING, AND WAS TOLD THEY DIDNT GET THE FAX SO I RESUBMITTED ANOTHER SHORT SALE APPLICATION ON XX/XX/2021 AND SPS REPLIED AND SAID IT WOULD TAKE 30DAYS TO REVIEW, SO WHILE I WAITED I WAS INFORMED OF A SALE DATE OF XX/XX/XXXX, XXXX I CALLED ONLY TO FIND OUT THAT MY APPLICATION WAS NEVER REVIEWED FOR THE SHORT SALE AND SPS WAS MOVING FORWARD WITH THE SALE DATE OF XXXX SO I HAD TO KEEP CALLING EVERYDAY UNTIL GOT SOMEONE TO LISTEN TO ME AND THE SALE WAS POSTPONED TO XXXX XXXX, BECAUSE I HAD SUBMITTED THE APPLICATION BEFORE THE SALE DATE WAS POSTED, NOW I`M REQUESTING THROUGH MY ATTORNEY THAT SHORT SALE SHOULD BE RESTARTED SINCE ITS ALREADY BEEN SUBMITTED WITH XXXX OFFERS FROM MY BROKER, BUT ONCE AGAIN SPS IS STALLING THE PROCESS AND TRYING TO FORECLOSE ON MY HOUSE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
i have reached out to Macys and requesting information in which i have yet to receive a response. Macys is in violation of my rights as a federally protected consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis is reporting a case that I was dismissed I was found guilty on I did nothing wrong and the judge agreed with my after further looking into the case at hand. LexisNexis is not only reporting a dismissed case in which I've never been found guilty on the XXXX case. This dismissed XXXX case is being reported under the driving record section ; which is a major error within their reporting platform. The XXXX case SHOULD NOT BE UNDER THE " Motor Vehicle Records '' either. Reporting inaccurate information is a violation of the FCRA and I'll most definitely exercise my rights and sue LexisNexis for the max amount if this dismissed case is not deleted from my consumer report. By LexisNexis reporting misleading information under my driving record that shouldn't be under the " Motor Vehicle Records '' of my consumer report I will sue if these cases are not removed from my consumer report because they're being reported inaccurately, criminal cases should not show up under the " Motor Vehicle Records '' section unless the case pertains to anything that has to do with a motor vehicle but neither of these cases do. Therefore; making their claims a violation of the FCRA. I have attached LEXISNEXIS reporting error and also the court records of the case being dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
NCA for XXXX XXXX keeps reporting a debt for me in the amount of {$2600.00} from XXXX XXXXXXXX XXXX. After speaking with someone some time ago, and them validating that the fraud account did not belong to me, the account was removed from my credit report. It has now reappeared. I have contacted the company again to dispute and inform them of account being removed and reported again and have not been able to get any results from them. I would like for them to remove from my report, as the account does not belong to me as they agreed too years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/2021 NATIONAL CREDIT SYST was removed my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: GUARANTEED RATE INC.
State: CA

Complaint narrative:
On XX/XX/2021 my credit report and my wife were pulled without our consent and approval. I had filled out an application for a mortgage loan on XXXX the following day XXXX I had canceled the request for the mortgage loan. 10 days later after this request was acknowledged KBHS Home Loans pulled my credit and stated it was for use on another loan as my wife and I were listed as co-buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors on XX/XX/2021 onregarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-12-10 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: DISCOVER BANK
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors on XX/XX/2021 onregarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors on XX/XX/2021 onregarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I never opened the account, JPMCB Card, XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ), Opened XX/XX/2013. The account is attached the following address : XXXX XXXX XXXX, XXXX, AZ XXXX. I have never resided at this address. I have never lived in Arizona or even visited Arizona. This fraudulent credit account is detrimental to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: FL

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX XXXX to look at cars. Before I asked to test drive a car, they ran my credit & asked to hold any card with my name on it. I gave them my debit card to hold but did not authorize any funds. The dealership was very pushy and it was a bad car deal so I ended up not buying the car. I checked my bank account the next day and {$2000.00} was taken out of my account. I never signed a contract authorizing them to take money out of my account or keep a deposit. They were deceptive about everything and took advantage of a young woman who was new to buying cars. I called Wells Fargo and explained to them what happened, they reversed the money temporarily. On XX/XX/XXXX, I got an email saying the investigation for the claim was completed. On XXXX, they took the money back out of my account and would not open up a new claim. XXXX XXXX XXXX will not explain why they took the money out of my account and says I need to work it out with my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: Fleet Financial, Inc.
State: TX

Complaint narrative:
I was checking rates online for auto refinancing which clearly states No credit pulled. I spoke to a XXXX with ilendingdirect.com reassured me that no credit pulled for checking rates. I havent applied with banks or any financing company. I received an email from XXXX saying they completed my dispute that I filed on another company. When I logged into my account I noticed my credit score dropped XXXX points and I know it wasnt from the dispute because I was disputing an account that had a balance that should have been closed with {$0.00} balance paid on time. I had paid off several accounts on last month which brought my score up over XXXX points bringing to almost perfect score. I havent had any inquiries since this past summer. I noticed one inquiry on XX/XX/XXXX from a XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Arizona XXXX, ph # XXXX ( per credit report ) which I havent applied and they should not have any of my information or any application completed or signed by me to do a hard or soft pulled. XXXX with ilendingdirect stated that our conversation was recorded so if the recording is played you will here me asked XXXX several of times to not run my credit. XXXX reassured me that he did not run my credit! I did not give XXXX  XXXX XXXX permission to pull my credit! XXXX had given an option to call or email but theres no email address provided. The phone # provided for the credit union is to report lost or stolen debit cards or someone with an bank account. I dont have an account so Ive tried to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: WA

Complaint narrative:
I received an email from Wells Fargo on XX/XX/2021 stating that my Wells Fargo card has shipped. I thought this was a phishing attempt, so I forwarded the email to XXXX and deleted the email. A few days later I continued to receive emails from Wells Fargo with welcoming instructions for a new checking account that I did not open. I then proceeded to call Wells Fargo on or around XX/XX/2021 to report potential fraud activity with a checking account I never opened. After speaking with the Wells Fargo fraud department, the representative stated that they did no see any new accounts open under my name and social security number. Later that day I was informed that a debit card had been shipped to my residence showing that a new account was opened in my name, which I did not open. On XX/XX/2021, I called Wells Fargo back to get ahold of their fraud department, which I finally did. The representative I spoke to stated that two checking accounts have been opened in my name within a week and half. He said that the accounts would be frozen during their investigation. He also stated that I should place a freeze on my three credit reports to ensure no further fraud could take place. He also stated that I would receive a fraud packet in the mail with guidelines on protecting myself and the steps to take to avoid further fraud. 

I then placed a freeze on my three credit bureaus and waited for the packet in the mail. After nearly a month of waiting, nothing came in the mail. I then walked into a local branch to discuss my situation with a branch manager. The branch manager stated that Wells Fargo as seen an exponential amount of new checking accounts opened within the last two months and they were rapidly exploring why. I stated that it seemed Wells Fargo was opening accounts frequently to boost quarterly numbers as they have done so in the past. One thing to note, I was previously a Wells Fargo customer. I closed all accounts about seven years prior to this new checking account being open. The branch manager said that they keep all customers data on file forever. The branch manager went on stating that they think a vendor could have leaked data which allowed new checking accounts to be re-opened. The branch manager said I should have received a fraud packet in the mail by now, which after nearly two months, I have not. 

I am in the process of opening some retirement accounts and purchasing a new vehicle. Since I have frozen my credit bureau accounts, it is becoming difficult to do so. This has cause an increase in stress and frustration that should have been avoided if Wells Fargo had better security measure 's in place. Keeping customers data forever should not be allowed and should be expunged after " x ' amount of time.

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 2021-12-10 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: PA

Complaint narrative:
I never opened the account, XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ), Opened XX/XX/2013. The account is attached the following address : XXXX XXXX XXXX, XXXX, AZ XXXX. I have never resided at this address. I have never lived in Arizona or even visited Arizona. This fraudulent credit account is detrimental to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the date, account ( XXXX ) and account number ( XXXX ) .This request has been denied and I would like thiese inaccurate information to be REMOVED. 

DATE DISPUTED XXXX IN TRANSUNION XXXX AND XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX I would also like thiese inaccurate information to be UPDATED TO POSITIVE. 
DATE DISPUTED XXXX IN TRANSUNION XXXX AND 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 2021-12-10 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Somebody gained access into my XXXX account where I had my current bank card linked to. Whoever that person was sent money to an unknown receiver totaling {$1800.00}. I attempted disputing through XXXX who told me to dispute through my bank. So I filed a dispute for all these transactions XX/XX/XXXX. A couple weeks later I received a response from them declining to recover {$1400.00}. Although this is fraud, I cancelled both XXXX  and current debit cards and had replacements sent. They refuse to resolve the theft. And after the 90 days has passed, there still remains {$460.00} worth of charges waiting for resolution. I would like to dispute their determination of the first set of charges, and press charges for theft and fraud on whoever received these funds. As well as receive my response about the " unresolved '' set of transactions. I've gone through the only resources available to me to recover these unauthorized transactions. Between XXXX and current they should be able to determine the amount this money was sent to and you would think they could reverse these transactions to get my money back. How can I be denied the right to recover my money that was stolen from me by these banks that desperately need this money back. This entire situation has completely shattered my entire financial well-being. Caused me to be evicted from my house, and put me so far behind on bills that my power and water have been disconnected because of this theft

Company response to consumer: Closed with explanation