vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 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: GA

Complaint narrative:
There was a Wells Fargo Checking Account opened in my name that I did not authorize. The date is Wednesday XX/XX/2021. Wells Fargo placed a hold on the account and alerted their fraud protection department.

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 2021-12-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted XXXXXXXX XXXX XXXX XXXX on XX/XX/2021 to give me an estimate on a blower motor. After they arrived, there quote was completely different than I was quoted over the phone. I told them ( XXXX 's ) no thanks. I was told about a {$29.00} trip charge which I was ok with. However, two days later when checking my account. I see a charge of {$540.00}!!!! I did not authorize this or sign anything!!! When I contacted Wells Fargo, they said there investigation shows a valid purchase!!! XXXXXXXX XXXX  submitted a fraudulent invoice!!! I have never seen this invoice and it contains a signature!! XXXXXXXX XXXX & Wells Fargo have a fraudulent document that has a forged signature!!! 
The invoice I have is completely different!! No signature or and bogus work done!! 
I have provided the correct document and the document from XXXX XXXX. XXXX XXXX  did a great job providing me a blower motor!! 
XXXX investigators do not care about my money and would prefer to pay it out. They allowed this fraudulent purchase and do not want to admit liability!!

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 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received the below email from Chase. I did not know what ACH Collections service was and had not made any changes to my profile recently. At fist, I thought this may be a phishing email, but decided to call the number in the email to inquire. The call was made to XXXX on XX/XX/XXXX at XXXXXXXX XXXX MST. I spoke with a representative who ended up transferring me to a Chase Business Banking service representative. 

The representative confirmed the email was legitimate. I inquired what the service was for and she explained it was to receive ACH deposits. I asked when and how the service was initiated. She said that the account was automatically enrolled in the service and that it had a $ XXXX  monthly fee. I replied, what if I didn't call about the email would I have been charged {$25.00} per month. She replied yes, but we would have refunded it if you called to let us know that you didn't need it. Wait ... What? I would have had to call to dispute the fee for service that I never signed up for. 

This is BAD! How can Chase enroll an account in a {$300.00} annual service AUTOMATICALLY? Is this considered an unauthorized transaction? How many Chase accounts are unknowingly being charged this fee? I immediately thought of the fraud that occurred at XXXX XXXX. 

From : Chase XXXX Date : XX/XX/XXXX at XXXX XXXX MST To : MY Email Subject : Important Business Banking Alert Reply-To : XXXX Dear Customer, At Chase, we're committed to providing the tools you need to help you monitor your account ( s ). Below is a list of the latest transactions for the accounts in your profile : *Online ACH Collections service has been activated for your profile on XX/XX/XXXX. 

If you have questions about the transaction ( s ) or this alert, please call XXXX ( XXXX ). Our customer service representatives are available from XXXX XXXX to XXXX  Eastern time, seven days a week. 

Please do not reply to this automatic alert. Instead, you can sign in to www.Chase.com/businessbanking to send us a secure message. 

We appreciate your business. 

Sincerely, Online Business Banking Team

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE OBTAINED MY INFO AND OPENED ACCOUNTS IN MY NAME. THIS IS CAUSING ME SO MUCH HRDSHIP. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE.

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 2021-12-29 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE OBTAINED MY INFO AND OPENED ACCOUNTS IN MY NAME. THIS IS CAUSING ME SO MUCH HRDSHIP. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE.

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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I was pre-approved and applied for the American Express XXXX XXXX XXXX on XX/XX/XXXX. There was a hard pull on XX/XX/XXXX. 

My reference number : XXXX My application was denied and they said I could check why through a link. I went to the link and the application said it was in progress for a few days. I called them and they said I was denied because they could not pull my credit report or credit score. Both XXXX and XXXX did not show I have a credit history. 

They kept asking me if I had a credit history or if I had a credit lock or freeze and to talk to XXXX or XXXX. I told them I have over a decade of credit history, no locks or freezes ( verified by XXXX  ) and can view my credit score on all three websites.

I was able to pull my free credit scores from all 3 agencies from the annualcreditreport website. I pulled them and they first told me I could not email them. 

I called back a few days later and someone told me to submit them online. The online portal did not allow me to submit. Then I called back and they told me I could fax it to them. 

I faxed them my XXXX and XXXX credit reports. They said they received them and once again it was denied because I was showing no credit history/XXXX score. 

They said they could send it to their team to do a manual application and pull. So they did that on XX/XX/XXXX. I was once again denied because of no credit history/fico score. 

I have two hard pulls on my XXXX credit report ( XX/XX/XXXX and XX/XX/XXXX ). XXXX says because of the hard pulls, AMEX was able to get my credit report so there is no issue on their end. 

American Express said they were not able to pull anything from XXXX and I have been unable to get into contact with an actual person to talk to from XXXX 's customer service. I have been trying for a month. 

American Express says it shows I have no credit history or XXXX score so that the issue is with XXXX or XXXX. 

XXXX says that they use the XXXX and no XXXX score so that American Express should not be trying to pull a XXXX. This does not make sense to me because why would American Express not know this and try to pull XXXX  scores from XXXX. XXXX says the issue is with AMEX, and I can't get into contact with XXXX at all. 

I do not know which company to file the complaint with because they keep pointing fingers without escalating to someone who can investigate or help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I had set up a payment plan with Discover card due to a financial hardship. They were auto drafting {$200.00} a month from my bank account for the last 2+ years. In XX/XX/2021, they did not withdrawal the money despite their being sufficient funds in the account and then reported it as a late payment to the credit bureaus. When I contacted them to have it resolved they claimed I had been making the payments to them and they were not automatically withdrawing. This is completely false and has now adversely affected my credit. I paid the balance and closed my account so it does not happed again, however I have no recourse to correct my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXXBalance {$13000.00} XXXX XXXXBalance {$2200.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been violated by Transunion. My last few complaints were about the removal of inquiries as a result of identity theft. After a few complaints submitted, all inquiries were removed from my credit report as per my request. Because Transunion has admitted that their practices are in fact abusive and deceptive by deleting the inquiries, they are liable to compensate me pursuant to 15 U.S. Code 1611 and 15 U.S. Code 1640. Pursuant to 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' This U.S. Code was used when disputing the inquiries on my credit report and the inquiries were successfully removed. Transunion admitted to their unlawful practices and is legally liable to compensate me with monetary remedy for the damages done to me. I have sent several rounds of letters with invoices included. Please compensate me for the damages done.

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 2021-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I called the debt creditor and they told me they outsourced my account to a third party. However, XXXX XXXX is the third party. I called the company unisonthey outsourced, they said they could record the call but if I recorded the call they would hang up. They wouldnt give me a legitimate website or account details via mail. They demanded a $ XXXX settlement from $ XXXX. But couldnt give me a secure way to pay.

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 2021-12-29 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: NV

Complaint narrative:
i tried reaching out to this bureau several times about account that do not belong to me! this info is fraudulent and i want it investigated and removed from my credit report please!!!!

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 2021-12-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one venture card was used for 2 fraud transactions at XXXX and XXXX on XX/XX/XXXX. I disputed both on XX/XX/XXXX and I was denied for both. Capital one claimed that they were transactions made by us. However, these 2 transactions are fraudulent and I tried disputing but was denied by capital one. I have been a loyal capital one customer for years and this is the first time they have not helped with a fraud claim. However they were the ones who sent me a text on XX/XX/XXXX ( image attached ) asking me if I spent {$270.00} at XXXX and i said no and immediately called the credit card company to dispute it We were in XXXX XXXX at the time of the 2 transactions took place in XXXX ( 1.5 hours away ) and XXXX ( my fianc ) had the card in his possession and he was with me the entire day. I included 3 receipts of the transactions made in XXXX XXXX. We dont even shop at the mall where the 2 fraud claims were made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I rented a room in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX ) from XX/XX/XXXX - XX/XX/XXXX. I was a XXXX XXXX at XXXX XXXX XXXX University at the time and graduated in XX/XX/XXXX. I paid roughly $ XXXXmonth in rent until the end of my lease which expired in XX/XX/XXXX. I received my security deposit back in full ( one month 's rent - US {$800.00} ) upon my move-out in XX/XX/XXXX. I completed the move-out process organized by XXXXXXXX XXXX  which included signatures on a " move-out '' sheet that was submitted prior to me receiving my security deposit back in XX/XX/XXXX. 

Several months after completing the move-out process, vacating the unit and receiving my security deposit back, I received an email from XXXX XXXX XXXX stating that I owed an additional charge ( {$520.00} ) for cleaning services. I was shocked to see this as I had already completed the move-out process which involved calculating any additional charges ( which would have been taken out of my security deposit ). I still believe I am not under any obligation to pay this charge. XXXX XXXX XXXX sent this additional charge to a collection agency in XX/XX/XXXX. 

I now have a collection account on my credit report for this additional charge I have no obligation to pay. I have been in contact with both the collection agency ( XXXX ), XXXX XXXX and a credit reporting agency countless times over the past several months to try to find a resolution to the issue. XXXX XXXX communicated that the charge was sent to XXXX by the previous property manager who is now not employed by the company and that it should not have been sent. Though, when I have asked ( numerous times ) for them to provide the documentation of the signed move-out sheet and the account history of which would clearly show the returned security deposit, they have not responded or stated " they will get back to me ''. 

My payment history should be documented in my online resident portal, which only XXXX XXXX has access to, as I am no longer an active resident at their property. I am still attempting to obtain this proof so that my dispute can be properly processed by both the credit agency and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have recorded calls with this company promising to remove the inquiry. One Main Financial is brandishing a fraudulent inquiry on my credit report. I have tried contacting them before about this issue to no avail. Since recognizing the inquiry I have place a freeze/fraud alert on my consumer credit reports. But the company One Main Financial still hasn't rectify the issue. If issue isn't rectified, I will be proceeding with legal actions. Because I didn't authorize that inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: MI

Complaint narrative:
I have not authorized credit inquiries from the following dates. XXXX XXXX XXXX, 2021. Fraudulent methods were used to obtain a copy of my report without my consent. I have requested the removal of the fraudulent inquiries but they continue to remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been violated by XXXX on XX/XX/2020. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax has bought my information without my permissible purpose and has access to all my information. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the sixth time I am filing a complaint for this issue and it has not been resolved. Pursuant to 15 U.S. Code 1681o, this is now negligent noncompliance and Equifax is liable to compensate me in an amount equal to the sum of actual damages done to me. In addition, I have filed a complaint with the Office of the Comptroller of the Currency as a result of the noncompliance of Equifax to remove the inquiry and the negligence and noncompliance of not yet providing me with monetary remedy. Please remove this inquiry off of my credit report and compensate me. Pursuant to 15 U.S. Code 1611 and 15 U.S. Code 1640, Equifax is liable to compensate me for the abusive and deceptive practices exercised as well as the damages done to me. Pursuant to 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please remove the inquiry and compensate me for the damages done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: EQUIFAX, INC.
State: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX-Balance {$6400.00} Date Opened : XX/XX/XXXX XXXX XXXX-Balance {$13000.00} XXXX XXXX-Balance {$2200.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: NV

Complaint narrative:
i tried reaching out to this bureau several times about account that do not belong to me! this info is fraudulent and i want it investigated and removed from my credit report please!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: NV

Complaint narrative:
i tried reaching out to this bureau several times about account that do not belong to me! this info is fraudulent and i want it investigated and removed from my credit report please!!!!

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