vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a call today for the first time about a very old debt that Im not sure of. The Company is XXXX, XXXX XXXX XXXX. The lady claimed I had a charge off from Wachovia bank back in XXXX. I dont recall what this is and now shes saying if I did not agree with paying the full amount today or giving them info to remove money from my account on today, I would be placed in the check system and accounts would be frozen.

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 2020-09-10 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:
This originally started in XXXX with card number ending in XXXX. There was a fraudulent charge on my card. As you can see in exhibit 1, I asked Wells Fargo to close the account. In order to get them to review this fraudulent charge, it took letters, many, many phone calls. I repeatedly asked them to close this account only to find out it was not closed. I am asking when the account ending in XXXX was actually closed. Now years later XXXX & XX/XX/XXXX, I get a new fraud alert. The fraud alert that I just received is on 2 different account, one ending XXXX & XXXX. I NEVER opened these accounts, NOR DID I EVER REQUEST a new charge card with Wells Fargo. I want to make sure that Wells Fargo has NO open accounts at all for myself. 
i now have to go through the whole process again of faxes, letters and calls stating I did not use these two cards when I had no idea these accounts were even opened in the first place. How is it possible that Wells Fargo opens charge cards without a customer permission? I would like the call I made to Wells Fargo on XX/XX/XXXX reviewed. In the call, I was advised that there was a note on my account to leave the card open, but send no notices in the mail. Why? If you review all of my phone records you will see that I called many times asking for my card to be closed and NEVER did I request a new card be opened. 
I have several questions- When was the acct ending in XXXX closed? How did 2 more accounts get opened, ending in XXXX & XXXX? What will it take to get Wells Fargo to close all accounts opened in my name and make sure another account is not opened without my permission? I want all the activity on these accounts paid by Wells Fargo since I did not open the accounts. Please help. This is causing extreme XXXX  and XXXX, I do not want the credit I worked so hard to achieve gone over accounts I never opened. Please contact me with any questions at 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 2020-09-10 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX   XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently pulled a copy of my credit report and found that Experian is reporting the a delinquent account that is past the 7-year reporting time as allowed under the Fair Credit Reporting Act. Furthermore, upon review of a copy of my credit report from years prior to today, XXXX XXXX XXXX had re-aged account in XX/XX/XXXX to reflect a now date of delinquency date of XX/XX/XXXX and this is specifically a violation of the Fair Credit Reporting Act which could result in a civil penalty of {$2500.00} per violation. The date of delinquency date has changed numerous times hence why the other 2 bureaus removed the account earlier this year. However, I have a printout of my credit reports from XXXX and that date of delinquency was being reported as XX/XX/XXXX. Nonetheless, the account should be deleted from 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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: WI

Complaint narrative:
I recently pulled a copy of my credit report and found that XXXX  is reporting the a delinquent account that is past the 7-year reporting time as allowed under the Fair Credit Reporting Act. Furthermore, upon review of a copy of my credit report from years prior to today, Elan Financial Services had re-aged account in XX/XX/XXXX to reflect a now date of delinquency date of XX/XX/XXXX and this is specifically a violation of the Fair Credit Reporting Act which could result in a civil penalty of {$2500.00} per violation. The date of delinquency date has changed numerous times hence why the other 2 bureaus removed the account earlier this year. However, I have a printout of my credit reports from XXXX and that date of delinquency was being reported as XX/XX/XXXX. Nonetheless, the account should be deleted from 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 non-monetary relief
Consumer complaint received 2020-09-10 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: I.C. System, Inc.
State: FL

Complaint narrative:
Disputed debt with collection agency that I did not have an account with their client. Report indicates an account opened in XX/XX/2020. I have no such account in my name. They responded that their investigation, which unsure what they mean, is accurate. I have been living with my daughter for more than 2 years and she has cable contract in her name and its not this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Freedom Mortgage Company
State: PA

Complaint narrative:
( This is a continuation of a previous complaint ) XXXX XXXX XXXX from Freedom repeatedly justified the credit inquiry on XX/XX/XXXX by providing a letter via Freedom 's records signed by the loan officer,  XXXX XXXX, stating that I gave verbal authorization on XX/XX/XXXX for a second credit inquiry. 
That letter is flat-out lie. I never gave authorization verbally, or in any form, ever. My records show ( and I have repeatedly provided ) email transcripts between myself and XXXX, where I specifically told him a month prior I did not want my credit pulled a second time. After it was pulled on XX/XX/XXXX, XXXX stated in another email that he would have the second inquiry removed off my credit report within 10 business days. My records also display the text conversations with XXXX on XX/XX/XXXX, immediately inquiring why my credit was pulled after I was alerted to it, and XXXX stating he would look into why it was pulled without my consent. Obviously I did not give him consent on XX/XX/XXXX, and XXXX was aware of this, as seen in the text conversation that day.

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 2020-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I applied for re-financing with my current mortgage company at my current residence back on XX/XX/2020. It has been one delay or surprise after the other and often I am the one doing ALL the follow up. Delays include documents going into someones spam ( or so they claim ), them trying to push the responsibility of finding HOA documents on me, delayed and/or inconclusive responses to my email inquiries and also big surprise half way through the process that my mortgage is being sold before I close. I won't go into too many more details here but I have many emails documenting my claim.

It has been almost 60 days now and my life has been in the balance. I haven't been able to make any major purchases, takeout a new credit or other for going on 5 weeks now plus all uncertainty and during this time is is causing me a lot of grief and stress.

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 2020-09-10 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: NJ

Complaint narrative:
I have been trying to fix my credit with the 3 agencies for quite a while now, but recently I have been stuck at a certain credit level and no matter what I do it's just getting worse. It doesn't matter if I pay the department of education {$2500.00} for something that I was told was paid off or do exactly what the website tells me to do. 

The Experian website said I had a loan balance that was too high. That was one of the reasons for my credit being low, but now after I paid it it dropped another 7 points. So now I need to open up a new loan to get my score back up? This is complete insanity. Once I open up a new loan I'll take another hit and my credit will be even lower because I have new credit. It is not fair to hard working people struggling to just live and work, but you guys allow these credit agencies to make lives even harder. But I followed what the website told me to do. Their own site told me my loans were too high, so I paid them off. Now my score drops again.

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 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
On XX/XX/2020, I contacted Quicken Loans to refinance an existing home mortgage loan. I spoke with two mortgage bankers, XXXX XXXX and XXXX. I informed them both that I wanted to refinance a mortgage loan. Both the bankers informed me that my credit score had to be a XXXX to qualify for a conventional loan. 

I made them aware that my credit score was ran a few months ago and I qualified for a conventional loan. However, the customer service was very poor from the previous mortgage banker so I didn't proceed with the financing of the loan. 

I requested that XXXX pull my credit report again to see if the score had increased.

He pulled my credit report and stated my credit score had decreased and I didn't qualify for a conventional loan, but I may be eligible for an FHA loan. I told XXXX that I didn't want an FHA loan and I wasn't gon na proceed with the loan application. 

As I was attempting to end the call, he informed me that my credit score ( the middle score ) had to be a XXXX to qualify for a conventional loan. However, in the previous conversation, both mortgage bankers stated my credit score had to be XXXX to qualify for a conventional loan. 

My complaint is that Quicken Loans mortgage bankers are providing misleading information to customers ( I believe from a protected class ) to finance mortgages with high interest rate loans. The bankers are not helpful with getting loans approved and they are taking advantage of customers who are from a protected class. 

I've spoken to three bankers with Quicken Loans and they were not able to assist me with the financing of my mortgage. The customer service has been very poor and I feel I have been discriminated against because of my race and gender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-09-10 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
This account was paid off XX/XX/2019, have received several paid notifications and now they are saying they did not get paid even after I have sent them TWO copies of my bank statement showing it HAS been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications  and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief