vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 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: CA

Complaint narrative:
Wells Fargo was complying with a judgment to withdraw funds from my bank accounts. With no knowledge of this action, I transferred money out of my account to pay off another debt. Wells Fargo then withdrew funds from my checking account putting me into an overdraft situation, forcing me, without my consent, to become a debtor to Wells Fargo. I informed them immediately so they could reverse the action and not send funds to the Sheriff since those funds were not available. They would not or could not do anything about this and simply started threatening me to pay this overdraft amount of {$20000.00}. Since I could not pay, they have taken the steps to close all of my accounts including two which receive government assistance ( SSA ) deposits. They have said the accounts would close by XX/XX/ 2022 and SSA will not redirect the deposits to another account until XXXX. Additionally, an automatic deposit that was intended to pay other bills went into the overdrawn account and I could not get access to those funds.

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 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/21 around XXXX at XXXX XXXX XXXX XXXX New York XXXX XXXX I tried to deposit over {$3000.00}, I wouldnt know exactly because I relied on the ATM to count them show me my tallied amount to deposit my money. The atm made an error sound then released my card without depositing my money. When I called capital one they said that I would get a provisional credit. I tried calling today and I was told I wouldnt receive any money until their investigation is done. I do not trust the fact that I did not count all my cash and relied on the machine to do so so I have no idea the actual amount inserted. It is the week of XXXX and I had purchases to make and now I cant even do that because I am waiting for the provisional credit while the real investigation takes place. I have no proof but the camera of the atm in this particular branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is a fraudulent collection on my credit report that does not belong to me for a XXXX  bill I have no idea where it came from or who it is for. The account is involved in litigation where the account # is XXXX that is located on my XXXX XXXXXXXX and transunion report. The data gets removed and comes back every 30 days and I don't understand why this account that has nothing to do with me and does not belong to me keeps on reappearing on my account where I am going to sue all 3 bureaus where I am looking for a rental property and this is severely hurting my credit and getting me really upset. The next step for me is contacting my lawyer and suing filing an arbitration.

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 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is a fraudulent collection on my credit report that does not belong to me for a medical bill I have no idea where it came from or who it is for. The account is involved in litigation where the account # is XXXX that is located on my XXXX  equifax and XXXX  report. The data gets removed and comes back every 30 days and I don't understand why this account that has nothing to do with me and does not belong to me keeps on reappearing on my account where I am going to sue all 3 bureaus where I am looking for a rental property and this is severely hurting my credit and getting me really upset. The next step for me is contacting my lawyer and suing filing an arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: FL

Complaint narrative:
I am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the credit reporting agencies ( XXXX, TransUnion, and XXXX ) my FTC reports regarding accounts from identity theft. I am demanding a BLOCK and REMOVAL of these accounts pursuant to 15 USC 1681c-2 that states a credit reporting agency shall delete information from the consumer 's file that a consumer has identified information that resulted from identity theft, no later than 4 business days. The following accounts are still being furnished on my consumer report that have resulted from identity theft : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX - XXXX, XXXX. XXXX XXXX - XXXX. 

The credit reporting agencies are in direct violation by continuing to furnish these accounts pursuant to 15 USC 1681c-2.

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 2021-12-23 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as XXXX, XXXX and XXXX. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to Ally directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Since I opened my account, I'm being harassed by Citibank in the name of security by blocking access to my account and limiting me from able to make purchases. This has happened countless times. I can not even fathom the times I have to call them. Each time they have to send a letter to my address which takes 7 days. After I verified and clear the security alerts, they will block my account the very next day. They would not use my mobile number for verification purpose. 

Either their fraud warning system is messed up or I believe they are illegally XXXX XXXX XXXX XXXX XXXX and prevent me from using my 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 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Date : XXXX XXXX, 2021 Action : Opening a checking account at Union Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
Complaint : False Advertisement. 
I Received a solicitation email from Union Bank to open a checking account and get a {$300.00} bonus. Office branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX refused to open the account with bonus.

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 2021-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CRESCO CAPITAL INC.
State: TX

Complaint narrative:
ELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX OPENED : XX/XX/2019 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint for myself and there is no third party included. I have just got off the phone with a representative named XXXX at Experian. I have disputed a fraudulent account with Experian and they have stated that the creditor verified the account. Section 603 ( 2 ) ( A ) ( i ) states a report containing information as to transactions between a consumer and the person making the report is to be excluded from my consumer report. Therefore since the creditor is the person making the report I am demanding that the account be removed.

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 2021-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
XXXX, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2016 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
My home was appraised on XX/XX/2021. Freedom Mortgage has stopped responding to me and has not given me a copy of my appraisal. I've called and emailed with no response. My primary issue is I need the appraisal so I can work with a different company and I shouldn't have to pay for another appraisal. I was supposed to close on my loan today ( XX/XX/XXXX ) but my file is reportedly still in underwriting. It's been one issue after another with this company. I started the process on XX/XX/XXXX. I can't get any response on any topic from the loan officer or the customer service advocate. I have no idea when I might have a closing date. This is hands down the very worst experience I've ever had with any company.

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 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Hi I have a problem with someone using my social security to check my credit score and it brings my credit score down little by little i dont know who has my information and its annoying Im stuck cause Im Trying to build my credit and I cant if someone is Constantly doing this

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 2021-12-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
ELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX. XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  ) OPENED : XXXX/XXXX/2021 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I resubmitted another dispute XX/XX/2021 and received a response from the credit bureau that they would not reinvestigate the account because there was already an active dispute which there was not an active dispute because my original dispute was on XX/XX/2021 for the account listed below. 

XXXX CARD Account Number : XXXX SHOULD BE REPORTING AS Current Principal Balance {$280000.00} instead of {$330000.00} XXXX XXXX XXXX  Account Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/24 Cash App text me alarming me someone had hacked my account and I replied fraud.The following morning on the XXXX my brother who sends me the same amount every month paid his rent and within seconds before I transferred the funds to my bank account the hacker withdrew my funds.They also attempted to hack my my credit card and debit card attached to my account.However my back immediately realized it was fraud and blocked my cards and refunded my money! CASH APP has taken no responsibility and have been of no assistance resolving this matter.I will be more than happy to provide any additional information upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
In regards to my XXXX closed accounts, Capital One did not conspicuously or clearly disclose that they would report my non public information. They also did not provide a form for me to opt out of selling my private consumer information to third parties. These actions violate 15 U.S.C. 1681b, 15 U.S.C. 6801, & 15 U.S.C. 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XXXX XXXX, 2021 my wife and I arrived in XXXX, XXXX on vacation. We toured the XXXX district through the XXXX, shopping and eating in restaurants. At some point on the XXXX or XXXX, two large charges were made on my Capital One credit card without my knowledge or consent. We were unaware of this at the time. After spending several more days in XXXX, on the XXXX we flew to XXXX, where we discovered the fraudulent charges when my card was flagged as I was trying to pay a hotel bill. We immediately called Capital One to report the fraud. The next day, unbeknownst to me, Capital One emailed me a letter denying my fraud claim, apparently based only on the assertion that the card chip had been used. Since then, in numerous calls and letters, I adamantly denied that we had made the charges, and pointed out that the card had been out of my possession for extended periods when for example waiters took the card to charge food and drinks. Despite my numerous denials, and complaints filed with the FBI and the Washington State Attorney General 's office ( under oath ), Capital One continues to harass me with ongoing emails and voicemails, trying to bully me into paying these manifestly fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
XXXX  has reported to a collection agency ( Amsher Collections ) in XXXX XXXX that I owe money on a mobile service account. The account does not belong to me, it belongs to a company, XXXX XXXX XXXX, where I was formerly employed. The account is a business account for XXXX XXXX XXXX, but for some reason XXXX  is claiming I am responsible for the account balance, even though I was just an employee who worked there. I believe the balance on the account is from XXXX. 

I have been trying to get this worked out directly with XXXX for 5 months and have not gotten anywhere, despite calling multiple times and spending hours on hold and talking to different representatives. This is significantly impacting my credit score. 

It should be very straightforward to clear this off the collection agency and my credit score, yet XXXX is going after me instead of XXXX, XXXX for some reason. And XXXX is not doing anything to assist with the problem either. Looking for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit bureaus and they came back stating that they have verified this account with you. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My phone number was fraudulently ported out to a XXXX prepaid account. I have the account number. My email was then hacked ( XXXX ) with my phone number. Then the person logged into bitcoin after saying forgot password. Then moved all of my bitcoin over to their wallet. All of this done in under 30 minutes. Now I am out a phone number I've been using for 15 years and roughly 14,000.00. This all occurred on XX/XX/2021. I believe this is from a coinbase breach in their data. I would also want to think that XXXX needs to add more security to not allow employees to move phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Shellpoint put forced placed insurance on my account despite my lnsurance has never lapsed They illegally charged me semi monthly insurance premiums XX/XX/21 they charged me {$2300.00} XX/XX/21 they charged me {$130.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} For a total of {$3200.00} in forced placed insurance On XX/XX/21 I received a credit of {$840.00} On XX/XX/21 I received a credit of {$710.00} On XX/XX/21 I received a credit of {$1600.00} For a total credit of {$3200.00} Also on XX/XX/21 the same day I received my final credit Shellpoint illegally changed my fixed rate FHA XXXX XXXX XXXX XXXX from a fixed rate to a rears rate then changed my payment from my Reg monthly payment of {$300.00} per month to {$440.00} per month Is this legal??? they give me a credit for their illegally forced placed insurance then increase my monthly payment on the same day That's an increase of {$140.00} per month. 
for the 17 months I have left on my loan They gave me a credit on my account even though I requested a check They illegally changed my payment amount to compensate themselves for the credit they had to give me Can they legally do that

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation