vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 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: GA

Complaint narrative:
RE : Unauthorized Credit Inquiries To Whom it may concern : I received a copy of my credit report today and discovered several hard inquiries from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. I am officially disputing the unauthorized credit inquiries and request an immediate investigation. 
Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 
Please remove the following unauthorized inquiries : XX/XX/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 I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I opened this account in the store about 60 days ago. I never got the card or statement in the mail so after about a month I called. I was informed that they had my address wrong and were reversing the late fee and issuing me a new card. Several weeks have gone by and still nothing so I call again to find out that I still owe that late fee and they cant issue me a new card because I did not make a payment. I did make a payment the first time I called in so I would not rack up any more fees until I get my card or statement so I could set up my online access to my account. They told me again that they will reverse the fee and they will mail me a statement but they cant issue me a new card until a new billing cycle starts. I cant access my account, verify purchases or fees or make payment to pay off my card because I cant get a card but I cant get a card until I am charged more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
My husband and I applied for a new FHA mortgage loan. We were pre-qualified and pre-approved with our lender, who ran our credit scores on XX/XX/XXXX. We went with Rocket Mortgage ( aka Quicken Loans ) and locked in our rate with them in early XXXX with a scheduled closing of XX/XX/XXXX. We provided all the usual mortgage application information/paperwork, which included disclosing inheritance money as an asset. Quicken/Rocket ran our credit 3 times in a matter of 17 days -- XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In this time, they did not work on our application per our lender. When I asked our lender why they were doing it, they could not give us an answer because they weren't getting answers. Of course, this ended up causing our credit scores to drop, and then they asked for $ XXXX in mortgage overlay. We found another lender to fund our loan, who was able to get us squared away, start to finish, in 1 week. They did more work in 1 week than Quicken/Rocket did in over a month. I believe Quicken/Rocket purposely did the 3 hard inquiries on our credit to purposely drive our credit scores down, so that they could attempt to extort us for the $ XXXX they knew we had. This was very deceitful and unprofessional. I understand that the mortgage companies may pull credit, typically right before settlement to make sure all is still in order, and I understand that on the ocassion they may ask for mortgage overlay, but the fact that they ran our credit 3 times to produce the results they needed to be able to request the overlay, whilst not doing any other work on our application, is what tells me that this was unfair, deceptive, and maybe even unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have called, and reported this Debt collection company on several platforms, and also reported them to all three credit bureaus. I had my identity stolen, and have notified the company that this is not my account and also mailed this company the copy of my FTC identity theift report, as they requested that I do. Then I asked the company to stop reporting this account as mine, by law they are not supposed to continue to report on it. and to quit reporting interest on this account resulting in my credit score going down because this company is reporting interest going up then two days later will report the balance has gone down by a dollar. 
And another two days increase the balance again. I called company and ask why are they still reporting activity if I already stated this account is fraudulent, and you have proof? The agent told me they can still report on this account, witch I know is false. This has been going on for awhile and I'm tired of this company in my personal data. And I just want this Debt collector activities investigated aswell. And also after reporting this company they immediately closed the account, then they opened it up again an began what I believe is toying with me, on my XXXX  account it shows closed with a past due balance that's illegal if it's a fraudulent charge and you have proof. All agents I have spoken to are hard to understand, and can never get me to a manager, are some one in higher authority.its bad business at this debt collection establishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
I found the following fraudulent accounts on my credit profiles and notified the credit bureaus along with my identity theft report, yet they remain ; XXXX  XXXX {$27000.00} XXXX  XXXX {$17000.00} XXXX  XXXX {$580.00} Chapter XXXX Bankruptcy XXXX Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
I found the following fraudulent accounts on my credit profiles and notified the credit bureaus along with my identity theft report, yet they remain ; XXXX  XXXX {$27000.00} XXXX  XXXX {$17000.00} XXXX  XXXX {$580.00} Chapter XXXX Bankruptcy XXXX Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wilber and Associates, P.C.
State: MO

Complaint narrative:
This company calls me three to four times a day are very rude very aggressive have threatened to put liens on my home have threatened to take my driver 's license I was never given a fair day in court all of a sudden this company just starts calling me I have tried to make right with him they are just too aggressive this has been going on for months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently submitted a complaint to Wells Fargo bank and once again Wells Fargo did what Wells Fargo does best, they once again said that they will not be able to forgive my loan because I used the money from the equity line of credit a Wells Fargo Banker open on my behalf without my permission. This is the tactic Wells Fargo has used to increase its profits. As I explain in my previous complaint, back in XXXX I refinanced my house with Wells Fargo, after my refinance went through I received in the mail an approval for an equity line of credit, I confronted the bank about the situation and they told me that the equity line of credit was a product that came with the refinance, which later on I learned it was a complete lie. In order to open an equity line of credit I would have had to sign in front of a notary and I NEVER did that, in fact when the banker showed me the paperwork the signatures from the Equity Line of Credit did NOT match my signature from my refinance documents, the bankers forged my signatures, anyway, that is not the worst part, the worst part is that in XXXX there was a housing financial crisis, my family and I, as well as thousands of other American families where struggling to make their payments, that is when I decided to use the equity line of credit A wells Fargo employe had open for me without my content. 
I have told Wells Fargo on many occasions that I did, in fact, used the money, however, if the Equity line of credit wouldn't have been opened without my content I wouldn't have used it and wouldn't be in this situation today. 
When I've been to the Wells Fargo branch to make my complaints about this situation the bankers had confessed to me that yes in fact they were pressured by Wells Fargo to open a certain number of accounts on a daily basis in order for them to keep their jobs. 
Wells Fargo has admitted to its wrongdoing of opening the equity line of credit without my permission and they have sent me a {$50.00} check since XXXX I have paid Wells Fargo over {$90000.00} in interest I don't believe a {$50.00} check will do much. I am asking Wells Fargo to forgive my loan as I am a retired veteran that is truly struggling to make ends meet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
We a claim to USAA after contacting XXXX 's several times about defective flooring that we installed. We requested for our funds to be returned as we have to now buy new flooring as a result of the defective flooring, which USAA did in a provisional credit. In addition to contacting the bank, we also put in a XXXX  complaint on the company which then they responded and stated they will come to a resolution for us. They asked XXXX twice for extensions to make things right, a person came out to our home in XXXX and took pictures of the flooring and stated verbally as well that they can see the scratches, indentation and chipping in the flooring thru out and that was it. The last correspondence we received was on XX/XX/XXXX from XXXX 's stating again that they are trying to come to a resolution. We have been trying to get this resolved since XX/XX/XXXX. USAA then reversed the credit they gave us for the flooring charge on XX/XX/XXXX stating that due to an investigation there was no error made when I called in asking why after seeing our checking account. After speaking with 4 individuals, it was determined that there was in fact no investigation done and that they wanted me to send documentation in in addition to a statement about why the amount was different ( less than ) what we requested the credit for. They stated a letter was sent and I informed them that I did NOT receive a letter asking of any documentation and that in fact, when I first called the claim in, I proactively told them I wanted to send in documentation and gave a very long and detailed report for the claim to submit explaining why the amount was less than initial charged. We returned some boxes of flooring that we were already given a credit for and the remaining is what was used or the boxes that were defective due to being broken or chipped. This was explained in great detail and they can even review the call that was made. So they lied about the " investigation ''. I sent in the documentation and proof for the claim today and requested someone from management in the claims department to give us a call and to reverse the credit as XXXX has done NOTHING to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
i want to close my account cause im not going to use the card for the unemployment and i try contacting them but no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
South west credit system from the phone # XXXX ( XXXX ) XXXX has started calling me and asking my personal information without providing me any information whom they calling to, about what, and who they are. For obvious reasons I have denied provide them any information and advised that they can lookup public records for information they looking for. I have strongly believe that they either a scam or trying to collect a scam as I dont own any debt that Ive know about, not I have received any pas due date bill from anyone. I have advised them that their cold calling calls asking for personal information has a harassment nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: NV

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This item WELLS FARGO is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX  Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 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: TN

Complaint narrative:
Equifax is showing three accounts that are not mine. I have filed fraud with them and out a fraud alert on my credit burea account. The three accounts that are fraud and not mine in my XXXX  account are : 1. XXXX XXXX $ XXXX-XXXX  XXXX XXXX 2. XXXX XXXX XXXX {$450.00} 3. XXXX XXXX- {$500.00} These are fraudulent accounts that are not mine. 
XXXX  is showing the following fraudulent charges. 
1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$450.00} 3. XXXX  XXXX XXXX- {$2100.00} XXXX  is showing the following fraudulent charges. 
1.XXXX Funding- {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to the companies listed on this report and have also hired an attorney that has helped me with getting a few accounts resolved and removed from my credit report. I have also made complaints about the bureaus failure to provide there verification process in validating these fraud accounts that I did not consent to. I have since placed a fraud alert on my reports in efforts to take precautionary measures and I am very disappointed in the outcome of my past dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called XXXX XXXX multiple times about follow up on file. I was in the XXXX  for about a month. I tried using the mobile app it did not work and I try calling multiple times I kept getting hung up on. I asked the rep to speak to a manager regarding cfpb complaint they said no one was available.Customer is not helping with my concerns and providing me any type accommodations.XXXX XXXX removed my automatic payment, stop calling me, and the app doesnt work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called XXXX XXXX multiple times about follow up on file. I was in the XXXX  for about a month. I tried using the mobile app it did not work and I try calling multiple times I kept getting hung up on. I asked the rep to speak to a manager regarding cfpb complaint they said no one was available.Customer is not helping with my concerns and providing me any type accommodations.XXXX XXXX removed my automatic payment, stop calling me, and the app doesnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I received notification that I was declined for a loan with First Midwest Bank that was presented to me through the banks online program as all but approved. The method of presentation and contact with the company stated that the approval was all but assured and that the rate would likely be at the lowest available rate based on the information provided. 

The operator from contact today ( XX/XX/XXXX ) became very argumentative and rude when I asked to cancel the application based on false advertisement and misleading statements made by previous operators and their pre-approval system. She then refused to escalate my call to the proper channels and stated that they do not have a escalations system. 

This was a very misleading process and feels predatory in nature, and for as fast as the operator was to become confrontational and unprofessional, it would seem to me this happens often. 

Conversation was concluded with the operator telling me that my only method of relief would be to lodge a complaint. So here I am.

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