vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank has refused to my complaint to me or my agent XXXX XXXX. There is no attorney who represent me for my mortgage and loan modification so on Period. XXXX XXXX HUD counselor is only representing us for loan modification and mortgage. Attorney only reparent us for violation of privacy law changing our address to strange place. Bellow is what I wrote to Wells Fargo Bank on XX/XX/2021 on their phony response. 
Since XXXX and unit XX/XX/2021 we have provide multiple and authorization to to HUD counselor and Wells Fargo Bank refused to communicate with XXXX XXXX. On authorization is attached. 
Below is my attorney information who will deal with only privacy laws and I will ask him to file lawsuit of {$5.00} XXXX dollars. 

WELLS FARGO BANK IS DENYING US RESPOSNE ON A FALSE AND PHONY REASON.

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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: NY

Complaint narrative:
[ RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ someone pulled my credit report without my permission. it was 18 hard pulls without my permission on XXXX, Equifax, and XXXX  XXXX XXXX from XX/XX/XXXX Bank XXXX XXXX from XXXX XXXX, XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EMCC Holdings, LLC
State: CA

Complaint narrative:
My wife and I received a bill dated XX/XX/2021 from a company called XXXX  XXXX for services in the amount of {$99.00} with a demand for immediate payment. We had never heard of this company before and did not know what the bill was for. 

On XX/XX/2021, we called the number provided for inquiries, which directed us to a company called Equiant. When we were connected with an agent, he advised that any information we provided would be provided to collections. He refused to provide us with information regarding the bill until we provided a great deal of personal information, which we refused to do given his suggestion that the matter was being referred to collections. He also stated that we had more than one account and that only one of the accounts was closed. We asked repeatedly to speak with someone from XXXX  XXXX, which we learned was formerly XXXX XXXX. When the agent finally transferred us, it was an endless loop that was then disconnected. 

We looked up a phone number for XXXX XXXX, and we were connected again with XXXX XXXX. We spoke with an agent named XXXX XXXX, who advised us that XXXX XXXX had been acquired by XXXX  XXXX. XXXX advised us that the {$99.00} charge was never part of XXXX  XXXX or XXXX XXXX XXXX. He also advised us that the bill should not have been sent and that we didnt owe any money. XXXX further confirmed that we had terminated our relationship with XXXX XXXX years before. Finally, he indicated that XXXX  XXXX was seeking to collect the same fee from other customers. XXXX suggested that he would send a note to accounting, but abruptly disconnected the call when we had indicated we had further questions and before we had an opportunity to ask for written confirmation of the resolution. 

We have since learned that the customer service phone number and address ( including suite number ) for XXXX  XXXX and Equiant are the same. 

Given the implicit threat to send the matter to collections and the statement by the Equiant agent that we had multiple accounts with the companies, we believe that the billing for services never requested or rendered is false and the process misleading to coerce payment where none is due. 

We want written confirmation that ( 1 ) all account we had with XXXX XXXX have been closed, as requested years ago, ( 2 ) we owe no payment to any of these companies : XXXX XXXX, XXXX XXXX or Equiant, ( 3 ) the bill will not be and has not sent to collections, and ( 4 ) the matter is not going to adversely impact our credit scores in any manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT AND AS A RESULT OF THAT SEVERAL ACCOUNT WERE REPORTED IN MY CREDIT REPORT THAT ARE NOT MINE XXXXXXXX XXXX XXXX # ( CASE XXXX ) ACCOUNT NUMBER # XXXX, XXXX XXXX XXXX THESE ACCOUNT ARE FRAUDELENT AND NOT MINE I HAD REPORTED THESE ACCOUNT TO CITIBANK IN 2019 OF THE ILLEGALITY OF THESE ACOOUNT AND NOW THEY HAVE SOLD THE ACCOUNT TOA COLLECTION AGENCY XXXX XXXX XXXX XXXX AND ATTORNEYS XXXXXXXX XXXX XXXXXXXX XXXX TAKING ACTION OF SUING ME FOR A FRAUDELENT ACCOUNT WICH IS NOT 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 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My loan was just transferred to SunTrust now Truist. What terrible service. They bought my loan and assigned me a new loan account # but never bothered to mail or email me the new number so I have no way to create an account online to pay it. Calling their customer support number it just hangs up or gives busy signal. Requested an immediate call via their XXXX  page ( where many similar complaints can be found ) no 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 2021-08-09 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

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 2021-08-09 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OPEN MORTGAGE LLC
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX ) stated that if I pay on my lease vehicle with XXXX and I pay {$4800.00} on it then that would bring my dti down and I would be able to get financed for the mortgage loan.. he had already told me my down payment which would have been XXXX down. On XX/XX/XXXX he pulled my credit again to see if the XXXX financial payment had been posted on my account. When he saw that it was he said we are good to go to closing ... closing was supposed to be on XX/XX/2021 he then told my realtor that my down payment had changed to XXXX when I found out I agreed to it and said lets move forward .. Mr XXXX calls my realtor back and says the down payment is XXXX and now I need to show proof that I am turning my XXXX lease vehicle in to XXXX XXXX I told XXXX this is not what he told me and he said it was a simple mistake. I told him this was not a simple mistake that open mortgage lending did ... if they are underwriting the loan how is it that the approval changes everyday ...

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 2021-08-09 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
The fo

llowing information is outdated. I would like it removed from my credit history report Immediate delete this inaccurate account from my credit report a collection account is late by default therefore it can not report a late payment. Immediate delete this inaccurate account from my credit report XXXX  is reporting the date of last activity as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. It is a violation to re-age a collection account. Immediate delete this i
naccurate account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MD

Complaint narrative:
XXXX XXXX  XXXX TransUnion XXXX  XXXX  Account # XXXX XXXX XXXX The creditor name is STILL incomplete and I am not certain what the name of the creditor is? 
The account numbers are STILL truncated and they don't even match. 
The date of first delinquency is STILL incorrect. 
The date of last activity is STILL incorrect. 
The payment history is STILL reporting incorrectly. 

This account has numerous inaccuracies and I fail to understand how it has been verified as accurate post investigation? Did you even investigate? If so, what was the process that you used? Who did you talk to? Was everything Metro2 compliant? I don't think so!

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 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ Data has been reporting incorrect information on my credit to all 3 credit bureaus since XX/XX/2020. The balance, date and last activity date is also being reported incorrectly on all three ; XXXX, XXXX  and XXXX. This file needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XX/XX/2021 my husband and I received promotional offers to upgrade our AMEX. This was emailed. We followed the link and I upgraded to Gold and was supposed to receive a large sum of XXXX points if we spent $ XXXX in 90 days. Our statements show we made a clear effort to use the Amex for our spending and we reached the agreed upon amount very quickly. 

We noticed the points didn't arrive after the statement ran. We have called several times and we get the runaround with no real knowledge or seemingly a department to handle these issues. 

Ultimately today after cases were opened with no return calls as promised a supervisor informed us that because we didn't keep the email we can't prove that we accepted an offer and they refuse to provide the points. 

Unfortunately this was a quid pro quo agreement with American Express and we did out part. 

They are putting it on US to prove when THEY had THEIR promotion. 

We did not keep that type of an email as this does not seem that it would need to be an issue that would require proof from their promotions. They are able to confirm the timing of their own promotions, see when we upgraded and see what we spent. 

This is a clear refusal after receiving their portion of the agreed procedures to not provide their part of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As part of my Bank of America Premium Rewards Credit card 's core benefits, I am eligible to receive {$100.00} in Airline Incidental Statement Credits annually for qualifying purchases. The first time I made a qualifying airline incidental purchase, the credit did not automatically post. I had to make 3 calls over a period of more than 1 month in order to get the credit posted. This is now the second time where a credit has not posted. I made an Airline Incidental purchase on XX/XX/21 and waited the " 2-3 weeks from qualifying for the statement credit to post to your account ''. On XX/XX/XXXX, I contacted Bank of America. A case was created and was told it would be resolved within 10 business days. I contacted Bank of America again on the XX/XX/XXXX requesting an update and was told it was still being researched. On the XX/XX/XXXX I requested a supervisor contact me and was told one would call me shortly -- no supervisor called me. On XX/XX/XXXX I contacted Bank of America again and have still not had a resolution. This should be an automated process and I am completely baffled as to why I need to contact the bank numerous times to receive a published benefit that I pay an annual fee to receive.

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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
The account is appearing on my credit report, i have disputed this account more than once. Once it was removed it was put back on my file with a different name. Its causing damage to my credit profile and the debt doesnt belong to me. 


Source Receivables Management # XXXX Account owner : XXXX XXXX XXXX {$440.00} XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
After my husband passed away in XX/XX/XXXX, Citi Cards cancelled my Costco Visa card, although we have been Costco card members for 25 years. I applied for a card in my name ( as I was told to do ) but keep getting denied. I am XXXX years old and have perfect credit. In reply to my CFPB complaint, Case # XXXX, I got a letter from the " Citi Executive Response Team '' informing me that I could apply on or after XX/XX/XXXX. I applied today ( XX/XX/XXXX ) BUT WAS TURNED DOWN AGAIN. I feel I am being treated badly.

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 2021-08-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2021 To Whom It May Concern, Over 45 days agoXXXX wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : 1. The following account is not mine U S DEPT OF ED/XXXX/XXXX  This is not mine. 
2. The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX XXXX  XXXX XXXX XXXX This is not mine. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Cancelled in XX/XX/2021. Paid off the last of the fees. Residual balance from interest that was paid but then they added the annual fee after cancellation in XXXX. Called and said I'd pay the residual interest around {$80.00} which was paid and they were supposed to cancel the fee and the late fee because these were applied after cancellation. First call was in XXXX about cancellation and late fees. {$84.00}. In XXXX, I called about regarding the late fees applied after cancellation and confirmation of cancellation. I called citi who then transferred to a supervisor at Citi who then transferred to an XXXX XXXX agent who then transferred me to a third party of citi bank based in XXXX but that third party was never identified. I filed two disputes because these charges affected my credit report, but to no avail. The latest dispute was filed on XX/XX/2021 to correct my credit report and reflect the account closure in XXXX and no late payments or fees were legally applied since they were after account closure.

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 2021-08-09 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: IL

Complaint narrative:
I perviously made a complaint about this issue with TransUnion. They closed the complaint stating they needed authorization from me in order to move forward with the complaint but when i called today on XX/XX/XXXX i spoke with agent XXXX XXXX about my CFPB complaint id # XXXX and i was informed it was closed completely. After reviewing my consumer report again i see that TransUnion willingly and knowingly agrees to take action against my federally protected rights. Pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) Any report containing information solleey as the transactions or experiences between the consumer and the person making the report should be excluded. Person is defined in 15 USC 1681a ( b ) Any individual partnership corporation trust etc. I am the consumer and XXXX XXXX XXXX  XXXX XXXX  ( XX/XX/XXXX ) and XXXX  XXXX, XXXX ( XX/XX/XXXX ) is the corporation in this case Which puts you in violation reporting late payments. TRANSUNION is also using criminal means to harm my consumer reputation by reporting late payments on these accounts violation 15 USC 1692d ( 1 ). I am demanding that you remove the late payments listed below from my consumer report immediately as it is is a violation of my rights as a federally protected consumer under title 15 Chapter 41. Also labeled as exhibit a is proof of the violations and attached is a updated copy of the late payments still being reported

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