vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 Business Type : Bank Credit Cards 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 explanation
Consumer complaint received 2022-07-21 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: DE

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount- {$440.00}, XXXX XXXX XXXX Account XXXX XXXX Amount- {$56.00}, Account # XXXX Amount- {$62.00}, Account # XXXX Amount- {$60.00}, XXXX XXXX XXXX Account XXXX XXXX Amount- {$120.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Withot the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
A checking account was fraudulently opened in my name at Wells Fargo. They will not disclose who violated me and my personal information. I have reached out to them by phone and email with no response. I am wondering if Wells Fargo is up to their old tricks. Did they open this account in my name? Is this the reason they will not tell me who did this?

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 2022-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
MIDLAND MORTAGE. 
In XX/XX/XXXX my payment went from XXXX to XXXX a total increase of XXXX per month. I have contacted them till I am blue in the face. They just keep explaining the escrow process to which I know. I went on line to look a the escrow info. My escrow did indeed increase but only by {$41.00}. In XX/XX/XXXX I had a huge jump in my payment. Once looking into it, i saw they went and purchased insurance for the house of over {$5000.00}, which is an insane amount for my home. Causing my payment to go from I believe XXXX per month to XXXX. I couldnt afford that. I found my own insurance with the exact same coverage for {$1600.00}, bringing my new monthly payment down to {$1300.00}. What they have done is taken they highest amount of {$1500.00} to which I only paid that amount for about 4 month 's until my new coverage. And added the XXXX to that causing me to now have to come up with {$1500.00}. The new amount should have been calculated off my payment of XXXX having a new total of {$1300.00} not XXXX. I have had to rent a room out because this is just too much. This has been going on since XXXX to which no-one has corrected.

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 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat  I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, 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 explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
This debt collector has violated my rights under the FDCPA so many times. They failed to provide documentary evidence that I owed them the alleged debt that they reported to the consumer reporting agencies. After I sent them my Cease and Desist and Debt Validation documents, they removed the negative account from my consumer reports, but the fact that they removed it, proved that they were violating my rights and they are liable under 15 USC 1692k for the violations.

They were sent an Affidavit of Truth and that stands unrebutted ; an unrebutted Affidavit stands truth in commerce. This further proves that this debt collector is being willfully noncompliant and they are to be held responsible for the violations. 
I have sent them an opportunity to cure due to them defaulting and they completely ignored it.

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 2022-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: KY

Complaint narrative:
This letter is a formal complaint against US BANK in regards to an accounts # XXXX {$9400.00}, XXXX {$5800.00}, XXXX {$7500.00}. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite the several correspondences Ive had with them, they continue reporting inaccurate and unverifiable derogatory information about me to the three major credit reporting agencies XXXX, XXXX, and XXXX. For one, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Billing Act. They have allegedly verified this account several times electronically to the credit bureaus but never once to me as mandated by law., I've actually disputed with them several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that both XXXX and XXXX could possibly need to correct this erroneous information on my credit report yet they refuse to do so. That being said, I feel as though I am being viciously attacked by this company and my consumer rights are being violated left and right. I'm well aware of other previous complaints against this company. So my question is, where does it stop? And does your commission have any plans to prevent unlawful business practices such as this from happening in the future? Please investigate the practices, FCBA, & FCRA violations of this company. I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that you REQUIRE them to remove the disputed account in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a XXXX. If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.

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 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I have tried to dispute p [ roviding police report and they keep selling same debt to different collection agencies perpetuating their error and refusing to correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 I showed up at the branch located at UNION BANK  XXXX XXXX XXXX XXXX, CA. XXXX. I had an appointment scheduled at XXXX XXXX, I arrived at XXXX XXXX When I sat with the personal banker, she began the process of opening an account. I provided all forms of Identification and a name change decree, provided by XXXX XXXX XXXX. The representative refused to open the account in my LEGAL name because my new Identification cards had not arrived in the mail. I continued to ask her to please refer to the legal document and use my legal and birth name. I even offered to show her my birth certificate which matched the name change decree, but she continued to refuse. I agreed to open the checking and savings account in my former last name. About 30 minutes later, she informed me that she was unable to open the account. I asked her why and her response was, " I don't know, it just denied it. '' I continued to ask her to provide me with a reason as to why I was denied and she refused. I left the bank and called my lawyer. He informed me that they are legally required to tell me what is preventing the account from opening. I returned to the bank and requested another representative tell me why I couldn't be approved. She refused to tell me as well. She handed me a paper with the XXXX phone number on it and suggested I call. I explained to her that I had already called them and couldn't find any information as to why I was denied. I asked to speak to a supervisor and she said there were none in the bank. I left.

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 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have a small XXXX  where I make XXXX XXXX  and XXXX XXXX XXXX. This person reached out to me for a local event and even provided a date, time, location for this specific event. They sent me half the money up front via an e-check. When I deposited it via my mobile account, the check cleared almost immediately. Then, a day or so later this person reached out saying that the event was cancelled due to XXXX. They asked me to send the money back via Zelle. A few days went by and I received a copy of this check in the mail from my bank with a fraud stamp on it. I thought that was weird since it cleared on my mobile bank account. So, when I went to look back at my bank statements, I noticed THREE returns made to this person. The return I made specifically to them, another {$1500.00} they decided to take, and in addition to that another return that I didnt make for {$15.00} to that same person. This was incredibly awful and a lot of money taken from me. I have all the information saved in my email for further use if needed. I also have their email address and the Zelle account they used. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I believe Fed Loan Servicing is defrauding student loan borrowers. have applied for Public Student Loan Forgiveness multiple times. I meet the criteria. I have followed every step. I continue making my payments. They made a clerical error. They denied forgiveness based on their clerical error. I have been employed by a verified employer since XXXX and they entered XXXX which subsequently omitted many years of qualified payments. 

I found there error. Called. They called me to resubmit. I did. They did not correct the error. I called again, they said they would begin a formal review to correct the error and I would hear from them in 7-10 business days. 

Instead, 15 days later they are selling my loan off and not qualifying me for forgiveness. 

I have been on hold for 2.5 hours. Today I have been on hold for three hours and have not hung up my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
BANK OF AMERICA has been charging me a monthly maintenance fee when I was never told about a monthly fee nor is there a signature stating that I am aware of it and understand what it is. There contracts are bogus a f the use of my social security number being attached to my account is fraud when I can not be identified through a social security number. I want the monthly maintenance fees refunded and a complete contract for me to look over.

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 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Zachter PLLC
State: FL

Complaint narrative:
My small business account in Florida with XXXX XXXX was wrongfully levied on XX/XX/XXXX in the amount of {$9500.00} by Zachter PLLC, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX NJ XXXX XXXX, XXXX, XXXX, www.zachterlaw.com My Business bank account number appears on Marshal 's Docket # XXXX / Court Index # XXXX. I am not named, not associated or have any business dealings with this case and I was never served any notice in regards to my bank account named in this case. My wife and I have tried to reach the attorney 4 times via phone calls and emails as pursuant to the XXXX Marshal 's Office to resolve this matter immediately to no avail. 
This has created a great deal of hardships for our small business and to our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail as well as a response through the CFPB, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail if not in pursuant to15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

I never gave anyone written permission ( permissible purpose ) to furnish my information. I am aware of my open end credit plan as defined in 15 USC 1602 ( j ), With that being said i am also aware of my credit file in pursuant to 15 USC 1681 ( g ) and I want to see the transactional history, I want to see my audit trail ( File : 15 USC 1681 ( g ) ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. If you can not verify this in pursuant to 15 USC 1692g validation of debt then its just an allegation and I will hold someone civil liable in pursuant to 15 USC 1692k Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet is reporting incorrect late payments from multiple federal loans I have with them going back to 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: CA

Complaint narrative:
XXXX is reporting incorrect late payments from multiple federal loans I have with them going back to 2016.

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 2022-07-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is reporting incorrect late payments from multiple federal loans I have with them going back to 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: CA

Complaint narrative:
XXXX is reporting incorrect late payments from multiple federal loans I have with them going back to 2016.

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 2022-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: WA

Complaint narrative:
Mercantile Solutions has repeatedly called me for the past 2 months ( XX/XX/2022 to date ) every Friday trying to collect on a credit card debt from several yrs ago. When I did talk to them they required me to tell them my mailing address, last 4 of my social or the full account # on the card. I informed them that I did not feel comfortable telling them my address but I did give them the last 4 of my social. The gentleman indicated that was not enough and required the full address. I again stated I was not comfortable with that. He stated that he couldn't go any further with my call. I stated I was sorry to hear this but again I wasn't comfortable provided that information on with the call. I also explained to him that I had lost my job 2 weeks ago and that even if we could proceed with the call, I had no money to give them for the debt. He stated that they wanted to work with me but again needed my address. I stated I got his letter in the mail so with that verification, could he move forward with just the last 4 of my social and that? He stated he could not. 
I ended the call with apologizing to him and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account is reported as late from a few years back.

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