vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 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: CA

Complaint narrative:
There are several inquiries on my report that are simply NOT mines. I have ask the credit bureau several times to no avail to investigate each and every inquiry that does not bare an applicable account related to the inquiry. There has been sever time where I get a alert from my credit monitoring service telling me someone is applying for credit. I immediately contacted the credit bureau to notify the of the situation with no remedy.. I have seen with my own eyes. My father who is XXXX and I'm XXXX apply for credit using his Social security number and the inquiry immediately shows on my report. For this reason I have asked the credit bureau to investigate each and every inquiry but to no avil I have ask in writing as well via telephone. I've also ask for proff of all inquiries showing they belong to me ie and application bearing my name social security number and signature and address to prove that their report is completely accurate as reported but as of this date no responce was given!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: CA

Complaint narrative:
There are several inquiries on my report that are simply NOT mines. I have ask the credit bureau several times to no avail to investigate each and every inquiry that does not bare an applicable account related to the inquiry. There has been sever time where I get a alert from my credit monitoring service telling me someone is applying for credit. I immediately contacted the credit bureau to notify the of the situation with no remedy.. I have seen with my own eyes. My father who is XXXX and I'm XXXX apply for credit using his Social security number and the inquiry immediately shows on my report. For this reason I have asked the credit bureau to investigate each and every inquiry but to no avil I have ask in writing as well via telephone. I've also ask for proff of all inquiries showing they belong to me ie and application bearing my name social security number and signature and address to prove that their report is completely accurate as reported but as of this date no responce was given!

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 2019-10-29 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: SC

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion file . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a member of Wells Fargo for over 10 years, I had a credit card that was placed in collection since I was running late with payments due to change of jobs. I was a credit card of {$300.00} dollars. I called to negotiate the amount and I was able to settled for {$230.00} now balance is XXXX. I called the other day to send them a " Goodwill letter '' and have this account removed from credit report. They say NO, since the account was settled at $ 60 % of the original balance. They say that I still have a balance. I told them that my balance was XXXX, and that was unfair. They are not able to negotiate with me and in the other hand they are highly hurting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: PA

Complaint narrative:
XXXX has been, and is currently, reporting my XXXX store card inaccurately to all three credit bureaus, and to XXXX XXXX who currently holds the account. I have disputed XXXX with Equifax, XXXX, and XXXX. I have had zero success and they are all still reporting this account delinquent and/or have not provided validation of the debt and its accuracy. I also called XXXXXXXX XXXX XXXX card services via XXXX ( XXXX ) XXXX on XX/XX/2019 and spoke with a representative who informed me that they do not have any of my account information anymore due to the migration to XXXX  XXXX. I asked the representative numerous times to provide my account history, statements, information, alleged missed payments, due amounts, proof that it was closed in XX/XX/2019 and WHY or HOW it was when they did not own this account, and the reps told me that my information wasnt accessible because they dont have any of it on file. Apparently after they sent it to XXXX XXXX, whom they reported my account closed in XX/XX/XXXX to, the account was no longer in their system. It did not exist. This is a problem as XXXX XXXX only has statements up until XX/XX/2019, is stating my account was closed as of XX/XX/2019, and collected {$160.00} on it this month without me knowing it was a closed collection. I called XXXX XXXX ( via the number on the back of my XXXX card ) and they told me they can not do anything as of right now because my account was reported as closed in XX/XX/XXXX and that is all the data they have from XXXX. The rep from XXXX XXXX told me to call XXXX to see if they could do something about my card being closed and inaccurately reported, but XXXX stayed they no longer have my account information in their system. Additionally, the XXXX XXXX XXXX rep told me that I could just reapply if XXXX   couldnt provide any information. I re-applied for the XXXX card through XXXX  XXXX and received a denial letter with the reason stated as follows : Based on your application information, we observed activity on a prior XXXX XXXX account that is not consistent with our expectations for account usage or the terms of the account agreement. So, I was denied due to the current XXXX card account status that is reported as closed invalidly, as well as incorrectly documented in their system, having no information past XX/XX/2019. This account, the one that wasnt closed at all actually, the one XXXX ILLEGALLY closed this month XX/XX/XXXX when they transferred/dont even have access to or own my account. Im literally stuck with a plummeting credit score, loss of time spent trying to correct this, and paying for a closed card that has no actual records beyond XX/XX/19 on either end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TX

Complaint narrative:
1. I reported a case of fraud to Capital One in XX/XX/2019 regarding a fraudulent charge of {$2100.00} made via the internet to the clothing retailer XXXX. 

2. Capital One took initially appropriate actions such as placing the initial charge on hold and issuing me a new credit card number. 

3. Capital One initiated a fraud investigation in XX/XX/2019 4. Another attempted charge to the retailer XXXX was made in the amount of {$2100.00} to the closed credit card number and was declined on XX/XX/2019 5. Capital One closed the fraud investigation with the statement that " ... I've found no indications of fraud. The following charges will appear on your next statement as adjustments : ... '' in a letter dated XX/XX/2019. 

6. I am a long standing Capital One customer ( >8 years ) who maintains multiple active banking and credit relationships which would generally be associated with low fraud risk. 

I believe the statement that " I've found no indications of fraud '' to be both inaccurate given the totality of facts available to Capital One and dismissive of the customer experience and devoid of empathy given that I reported a case of fraud.

Specific indications of fraud that Capital One did not acknowledge in their letter to me : 1. The fraudulent order utilized both item sizes and a shipping address that was inconsistent with my purchase history.

2. An additional attempted charge of {$2100.00} was made on the closed credit card number after the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Corporation of America
State: TX

Complaint narrative:
XXXX XXXX XXXX has been sending the bills to the wrong address. They have made a clerical error. Now, the bill has been sent to collections and we have never received notice of a bill. We have paid the debt and want the delinquent account removed from my credit report because of XXXX XXXX XXXX 's error.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XX/XX/2019 we contacted our lender regarding a loan assumption process on our existing twelve year loan the underwriter denied our request because we do not live on the property, we have never lived on the property. This was an investment for us we refinanced appx six years ago it was not required for us to live on the property at that time why is this an issue now? Our son is on the mortgage and has always lived on the property due to his recent divorce this is the reason for this assumption. We gave always paid our payments on time, why is it now a requirement after twelve years with this lender?

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 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
This complaint is regarding Navy Federal Credit Union and their excessive account fees, reordering transactions to cause more fees, then charging returned item fees while Im also getting charged returned payment fees from the creditor. In the end, causing me to pay triple the amount of debt owed. Then, after just months of overdrafting when although NFCU was reordering items, charged me thousands of dollars in fees, didnt disperse money and or send transactions as agreed per signed account agreement and elected overdraft/debit card coverage, they decided to close my account without proper notice leaving me with ZERO access to years of account history, statements, payments, refunds, my direct deposit sent to them monthly, and any action ever taken on or for that account. I asked multiple times if they could provide access and I received a response telling me maybe later on I could try to apply for a new checking account. 
In addition to this account they have been collecting on two credit cards NFCU inaccurately reported as late over the past year, accruing erroneous fees, interest, and unnecessary/excessive charges. They email me with my combined statement and I cant even access it. Also, they have called me excessively over the past year attempting to collect on all the accounts even after the credit cards had been paid on. I had to change my number due to the fact that I was receiving over 20 calls a day.

Navy Federal has also obtained my credit reports without my consent multiple times a month each month accounting for about 25 hard credit pulls on each report. That is fraudulent and illegal. 

Ive attempted to contact NFCU regarding all of the above via secure message, phone, and filling out a financial hardship form they requested from me a little over a month ago that I sent in right away. After sending it in, they called and left a message on my home number which was short and did not offer the financial, credit relief, help they advertised to me before I filled out the form. It was misleading and misrepresentation of what they were going to offer me in attempt to collect more information from me and collect more money from me. In no way did they offer help, actually, right after I filled this form out NFCU reported BOTH OF MY CARDS as derogatory 150 days past due or charge offs.

I had financial hardship ONE MONTH, during Christmas of 2018 where I was going through a divorce, attempting to push my way through school as a single parent at the age of XXXX, and had my hours cut unexpectedly from my job of EIGHT years. The one month I had some financial difficulties, they cost me so much in fees, interest, account closure, returned payments, etc., and have been impossible to resolve this with ever since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: IL

Complaint narrative:
I have disputed Inquiries that's on my TransUnion report numerous of times but TransUnion have not did anything. I have contacted the creditors and NONE of them have Proof that I authorize the below inquiries ( on the upload documents ). I repeat I HAVE CONTACTED ALL THE CREDITORS AND THEY HAVE NO PROOF I AUTHORIZED THE INQUIRIES. IF TransUnion have anything with my signature on it that proofs I authorize any of the inquiries I would like to have a copy of them all. If not please delete off my credit report. The inquiries is negative impacting my credit score and  stopping me from getting a mortgage.

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 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had credit card with CITIBANK NA which was the original creditor. The account was closed/charge off and now XXXX XXXX A. has purchased the account, this company now is claiming the account, they harassing me when they call. The worst part is I have CITIBANK and XXXX XXXX both in my credit report. This is a tremendous abuse to the people.

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 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened an account online and then I received a letter stating my account was being closed because of the closure of a previous Wells Fargo Account.The account they are referencing was fraudulently opened by Wells Fargo and they acknowledged this by removing the account from my credit report. 

Wells Fargo assisted in Fraudulently opening account ( s ) in my name. They were aware this was wrong and they allowed it to happen anyway. Once I learned about it, I jumped through the hoops placed in front of me by Wells Fargo. Did what was expected of me to resolve the issue that Wells Fargo created. Now I am being punished by not being allowed to have an account simply because I notified regulators and this bank is using retaliatory measures against 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 2019-10-29 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: LA

Complaint narrative:
have contacted credit bureaus on numerous occasions to have incorrect or outdated information removed, however they are refusing to remove the information stating that the items come back validated even though the information is correct.

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 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received an overdue school tax letter in the mail around the XXXX of XX/XX/2019 in the amount of {$1700.00}. I called the following Monday on the XXXX of XX/XX/2019 to the tax office myself, they informed me that Citizens One had not paid our school taxes and then I called Citizens one and they said they were paid on the XXXX of XX/XX/2019, by wiring to the tax office. I then called the tax office back same day and they said absolutely Citizens One had done no such thing as the tax office only takes mailed checks or in person payments. I again call Citizens One, then they say something totally different that they must have sent it to the wrong mailing address, when they already stated that it was wired electronically, they told me to give them a few days to straighten it out. I called back on the XXXX of XX/XX/2019 to make sure it was straighten out, it was not. Now Citizens One was claiming they sent the new check out but had it returned but to give them till the XXXX of XX/XX/2019 and everything would be straighten out. I gave them till XX/XX/2019 because of a death in my family. They still have not resolved them not paying my taxes, the man said because they're waiting till the good thru date and that the other person should have never told me that they would have fixed it by then. I asked why this was happening, he said " they're only human, let them do their job and their bank 'you know ' was just going to pay when they wanted to. '' I said I'd call back tomorrow and asked for a manger to call me back, the person fought not to give me their manger 's name and flat out lied about whom their manger was, at first they said they didn't know, that it was a lady but it just changed to another lady then the person said it was a man and that he works with a bunch of females so he was confused. This doesn't make me feel comfortable knowing they're in charge of my mortgage or taxes with it. Also this person said " don't waste my time calling about it. It will be done when it's done and they'd get back to me '' and not to cut him off in conversation. I'm still left with school property tax not paid and not sure if they're actually going to pay it and it's due next week on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: AmeriHome Mortgage Company, LLC
State: WV

Complaint narrative:
I filed Chapter XXXX bankruptcy and is now showing closed with a missed payment. Called the mortgage company because the mortgage was never on the bankruptcy. 

They said they are showing on their end all payments on time and mortgage/ account still open. Filed a complaint through the XXXX   XXXX XXXX  and they reported back that the organization they get their reporting through is correct. 

Want to fix this disconnect so I can get my credit reporting correctly and fair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: LA

Complaint narrative:
have contacted credit bureaus on numerous occasions to have incorrect or outdated information removed, however they are refusing to remove the information stating that the items come back validated even though the information is correct.

Company response to consumer: Closed with explanation