vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I have requested USAA Auto and credit card account to remove these account from my report and they have not. 

1. I gave no consent to report on my credit report, which is required.

2. The information is very inaccurate, and varies.

3. They have not produced the financial records to validate the debt as required by law. They only sent a statement of account not the records.

4. I have asked them to send me the XXXX XXXX XXXX and XXXX showing that they issued me a loan and they can not. 
STOP VIOLATIONS OF TILA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Issue : Well Fargo Lost ATM Deposit Check Wells Fargo branch ATM machine took my deposit check when I attempted to deposit funds and gave an onscreen message indicating that the deposit check was jammed and would not be returned. Please note, the check fit the size of the intake entry and received no messaged indicating any issue with the check before the machine ingested it. 
I then received a message stating We are already working to credit your deposit. Here is what you need to know : - You do not need to take any further action- We have credited {$0.00} to your account as a placeholder- We will fully credit your account withing 2 business days - If you have any questions, please call ( XXXX ). We apologize for your inconvenience. 
I was then given an option to print the ATM receipt which I did and have in my records. 

Date Deposit Attempted : XX/XX/2023 Check Amount : {$17000.00} Escalation : 1. Went to the local Wells Fargo branch at XXXX XXXX XXXX, XXXX, TX XXXX, and the local bank stated that they can doing nothing as the ATM machine is serviced by XXXX. I then asked what can I do and they said to call the number on Wells Fargo ATM receipt. 
XXXX. I contacted Wells Fargo at XXXX and the customer agent created an investigation claim Wells Fargo Claim No : XXXX XXXX. I have then been receiving automated system messages from Wells Fargo indicating that the claim is still under investigation. I received a missed call from a XXXX, AZ, location on Thursday, XXXX XXXX XXXX and I called that number back on Friday, XXXX XXXX XXXX, providing my phone number, name, and requesting their call back. 
XXXX. Note : Other than the automated messages, I have not received any other correspondence from Wells Fargo and not even a voicemail or text though I have provided all my contact information to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Although we have told them 3 times that we are not interested in refinancing, they continue to contact me and my husband multiple times per day. We have received an additional 12 calls and 2 emails even after we have told them that we are not interested. This is now considered harassment. I am now at the point of keeping records of all their calls and emails as proof of their continued harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: MI

Complaint narrative:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-24 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: MI

Complaint narrative:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. XXXX, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: NC

Complaint narrative:
There are fraudulent inquiries listed on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: MD

Complaint narrative:
Sent to collections in 2021. At the time I had medical insurance. Tried to settle the account but agency would not settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Today XX/XX/XXXX I received a bill for {$25.00} from XXXXChase which is already a part of an ongoing previously filed CFPB Compalint filed and still showing as Open and sent to the Creditor within my index of complaints. So I phoned that individual charged with that ongoing investigation at XXXX XXXX XXXX ext - XXXX whereupon I did my best to get either an explanation of this precise amount as not a single bill shows such a purchase for that amount ( {$25.00} ) on any or an unspecified date with an unspecified purchase. There are still two ( 2 ) unresolved disputes previously filed for {$18.00} ( XX/XX/XXXX posted ) and {$22.00} ( posted XX/XX/XXXX ) equaling {$41.00}. I was told that I needed to dispute that sum { {$25.00} } after numerous attempts at explaining to that investigator that I am positive I do not owe that sum and have no reference of such a purchase. I inquired if that sum was a part of his investigation but still can not gain enough insight as to what the fee is for except it has been said it is the difference between what I was previously billed and what is presently owed BUT WAIT there are two continuing UNRESOLVED DISPUTES for a total of {$41.00} to my best knowledge and belief so I contend I am actually owed a reimbursement of the difference between {$41.00} and {$25.00} or {$15.00}. All manner of ridiculous " dispute mechanisms were asserted by Customer Service whom I called after such direction from that Investigator Charged with the prior CFPB investigation, but none made sense and I could not attest to the facts she wished for me to allege as they didn't agree with and were in conflict with the TRUTHs which I again state hereinabove. So if there are pending disputes which " I am not obligated to pay until the conclusion of that investigation '' or " fees plus interest until the completion of that Dispute process '' why am I receiving a Statement demanding payment XX/XX/XXXX? For completely unspecified charges. THIS IS WRONG and a VIOLATION of the FCDRA I refuse to pay the unevidenced claim until such time as an account is provided which reasonably displays why that sum is due and all prior disputed sums either discharged or otherwise eliminated. Statement date is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: NY

Complaint narrative:
Harassment by : Credit Management Company XXXX XXXX XXXX XXXX XXXX  XXXX Owe {$200.00} Act # XXXX Billing Customer : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX agree I owe XXXX and have spoke with XXXX XXXX XXXX no cooperation as to why they do not provide a paper or electronic statement. Their answer is they don't send statements because its a medical bill and they will see my medical history due to hippa law, its not true they have sent me that already they just need to do a billing statement. They keep repeating I need to either pay over the phone with a credit card, or send it to their po box . I had paid XXXX payments XXXX XX/XX/XXXX ck # XXXX & XXXX XX/XX/XXXX ck # XXXX bringing balance to XXXX and stopped because of no statement to show me my new balance. I called again XX/XX/XXXX and was told the same story. I find this absurd that a business gives you a po box to send money to or pay over the phone with credit card with no billing statement. I would like to see my balance and know they are legitimate. I found a lot of complaints online as well. I am being harassed numerous times a week with recorded message. Phone calls have become a invasion and disturbs me at my work place. A legitimate billing statement would work and I can pay this bill. I look forward to your assistance with this as it just goes round and round - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
wells Fargo took my payments XX/XX/XXXX and XXXX and charged off my account after reps hadn't posted my payments XX/XX/XXXX and harassing me when i call and hanging up on me

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I shopped at XXXX for XXXX presents estimated around {$300.00}. I saw the advertisement posted within the store regarding " 10 % off TODAY, 5 % back in rewards. '' I wanted to avail the promoted discount so I went ahead and inquired about the rewards credit card. The cashier asked for my information, but eventually was not able to apply the discount. I was told the application is currently being reviewed and will be notified in writing within 30 days if I am approved. 

I was under the impression that the customer will immediately get the 10 % discount applied to the current purchase. The advertisement posted was misleading as it should have indicated that only when instantly approved, you'll get the 10 % discount. Besides, what's the poinXXXX of applying if you don't get the discount on that same day as advertised. I decided to decline and withdraw the application and called XXXX XXXX immediately after I exited the store. I was assured the application will not be processed. 

Despite declining and making the phone call, XXXX XXXX  XXXX XXXX XXXX  still went ahead and did a hard pull inquiry on my credit which is set to remain on my Experian credit report until XX/XX/XXXX. I contacted both Experian and XXXX XXXX  today ( XX/XX/XXXX ) and requested for this record to be removed but both said there's nothing they could do. I believe there's enough reason to remove the record on my credit report as it was a direct result of a misleading advertisement that falsely led me to believe I was going to get 10 % off if I applied for the rewards credit 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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: MS

Complaint narrative:
Was told I was pre-approved for a XXXX XXXXXXXX credit card. Applied for the card then was denied and now there is a hard inquiry on my credit report. Brought my credit down like XXXX points. It has been 2-3 months and the hard inquiry is still there. Making it impossible to bring my credit up unless I apply for another credit card, which I am scared to do because I don't want my score going down even further XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
I filed adispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are fraudulent inquiries listed on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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: Block, Inc.
State: DC

Complaint narrative:
At this time CashApp has refused to reactivate my debit card with the numbers XXXX CashApp connected my debit card to a phone number that I no longer have and when I attempted to use my debit card, it does not work. I have contacted CashApp to no avail. They request that I create another XXXX, and I did. However, I have accounts linked to the old XXXX  and I want that transferred over to my new phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/2021 we applied and were approved for a loan at enerbank on what was called a 12 month same as cash loan. Our idea was to pay monthly and when the prior to the 12 months, pay it off. This company never sent us statements either by mail or email so we just kept paying it monthly. We were ready to pay it off and I called to see what the payoff amount was and lo and behold, the 12 month same as cash expired. we did not get a letter advising us it was about to expire like MOST companies do. I talked to a representative and he told me the balance was {$6800.00} and " can you pay this today ''. I said i could but then he told me he would have a supervisor call. I never heard from a supervisor yet they said they called on XXXX XXXX. The did NOT call me and I show no record of them attempting to call. I then called back to see if the offer of paying the balance of {$6800.00} would be still offered and they said no. Please believe me when I say that I have never gotten a bill nor did we get a notification that the 12 month same as cash offer was to expire. I believe this is bad practice and this company is not acting in good faith. I would like to also mention, when calling them, you must wait at leaset 60 minutes to talk to someone. I think this comapny is a scam.

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 2023-01-24 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: MD

Complaint narrative:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately.

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
My mortgage company LoanCare Escrow analysis came in and my county tax was raised approximately 700 %. I called mortgage company and they had no answers that was the numbers provided. I call my county and they said mortgage is absolutely insane it would never increase and gave me the new rates and number for 2023. Mortgage company wont go by the county government website they need a bill which hasnt been issued yet. Ive missed 2 payments so far XXXXXXXX XXXX XXXXXXXX.

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