vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I attempted to XXXX money s hold was place and I was told it would take 24 hrs. I asked my back bmo harris what was happening and they said it would take 24hrs to fix. I stated that is to long don't send the money but please fix security issue. Then the money was sent anyways. And I am unable to get it returned in the amount of {$350.00} dollars.

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 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
My account has been closed for a while now and just wanted to know why and how come?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hereby certify that the preceding statement is truthful and accurate to the best of my knowledge, under penalty of perjury ( as defined by US law, if executed outside of the US ). Furthermore, I certify that I am permitted to submit this disagreement under both federal and state law. I understand that intentional deception or omission of material information is punished as a federal crime under 18 U.S.C. 1001 and as a XXXX  under 18 U.S.C. 1621 for perjury. My credit report contains collection entries that have nothing to do with transactions I started. Financial institutions are prohibited from disclosing information to third parties under 15 USC 6802 ( 1 ) ( a ) ( b ) ( c ) unless I get written approval. There is a violation here! Private information was disclosed by the original creditor, which led to the opening of illegitimate accounts. The Federal Trade Commission is currently looking into these issues. In the event that this account is not promptly removed from all three of my credit reports, I will take legal action against your organization for allegedly providing incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
XX/XX/scrub> 2024 I received a call from bank by a staff speaking in behalf of president as a communicator without consideration for name error cited in email to staff of bank. Staff completely ignored social security number signature and altered name to match XXXX XXXX XXXX XXXX XXXX [ XXXX ] of XXXX language unlawfully applying forbidden sound [ XXXX  ] to english customer 's name of US national anthem The Star Spangled Banner. 

The bank issued the wrong account name in association with social security number signature. I cited error in email to bank. XXXX bank proceeded to call customer on date indicated from a prohibited single letter white star XXXX XXXX XXXX XXXX XXXX XXXX. [ XXXX ] against state issued clear XXXX letter given name [ XXXX XXXX ] and surname [ chief ] registered as a XXXX person with XXXX  master XXXX XXXX XXXX XXXX, XXXX XXXX [ XXXX ] of XXXX state of CA XXXX. I applied with correct XXXX letter abbreviation that stands for first name than surname with social security number signature. Website showed green box with white check mark symbol apon submission than XXXX XXXX XXXX XXXX XXXX XXXX staff rearranged name to XXXX letter name of XXXX XXXX XXXX XXXX XXXX XXXX ] or a single letter name abbreviation that stands for nothing after submission opening a error page with red font of passing grade symbol used against customer to forge denial letter in support of a XXXX XXXX XXXX without a state issued credit file. Customer has a perfect credit file issued by state government for being clear XXXX person of XXXX XXXX born in XXXX, and the United States.

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 2024-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC
State: MN

Complaint narrative:
In end of XXXX beginning of XXXX I submitted an application for losses mitigation at the time I was only 7 ( around {$5600.00} ) payments behind. They denied because it was only reviewed for a a modification whitch wouldof increased my payment to something i couldn't afford but wasn't reviewedfor anything else. So I submitted another application on XX/XX/XXXX only 8 payments behind ( around {$6200.00} ) for all options for mortgage assistance and it was denied because the company thought it was a appeal. So another application was submitted end of XXXX specifically stated to review for all options. In XX/XX/XXXX the company asked for documentation for my child support proving i was receiving it so the application wasn't put into review until XX/XX/XXXX ( i was only 10 payments behind ) Was denied for all saying the mortgage was over 12 months behind. If my first or even the second application was reviewed for all options available I would have qualified for a partial claim that I can afford. I have to add that my first application the lady I talked to at the bank told me to put on my application to the owed amount at end of mortgage. She didn't discuss any other options to me I only found out more about my mortgage program through XXXX only found out more about my mortgage through her.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
When reviewing my credit report, I noticed a new credit card account was opened fraudulently XX/XX/year>. I reached out to the credit burea ( XXXX XXXX ) who told me I needed to file a report with the FTC in order for them to be able to take action. I also reached out to the credit card company ( Current ) who told me they could not give me any information but the fraud department would email me within a few days. Let me know what other information you need. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I was told that if I pay the collection, I could get approved for an apartment, but now I'm stuck unable to find an apartment and apparently will be stuck for another 5 years. I can't wait that long. I requested to have it removed bc it shows up as unpaid even though it had been paid in full and they won't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OR

Complaint narrative:
This has been going on for over two years. I have been harassed with phone calls emails from them hiding under other emails after cease and desist over and over They even created an email account pretending to be my cousin, not knowing that the famous quarterback was my cousin trying to get in contact with me, send me Scam emails that trace back to them. I can prove all of this. I have asked them to cease and assist several times and only communicate with Me via Postal Service as I want proof of this debt because I dont believe I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting 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:
I recently studied my credit report and noticed accounts that I didn't recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently studied my credit report and noticed accounts that I didn't recognize

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 2024-07-08 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I was reviewing my credit report and noticed that i had some inquiries that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
Started getting texts from Jefferson capitol llc. I called them they wanted my full ssn and dob refusing to speak without which I wouldnt give because they never sent me a letter of validation before trying to contact me. 

I called XXXX  and they said no theres no debt owed and when I asked for my entire account statement including all payments they refused to send it. I paid my account as I was not in contract and shut off services then moved to another provider. My balance was XXXX as the phones was purchased not using any contract extensions but out right. 

I then tried calling Jefferson capitol again today after they started texting me again. I asked if I got a debt verification letter sent to me the lady said NO. I said I want to speak to your supervisor to which she told me to XXXXXXXX XXXX and hung up on me. I did make this call in front of a XXXX XXXX that was in my place of employment. Due to the fact that I wanted someone who they couldnt claim was a friend or had a bias interest in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For almost 6 months I have been trying to resolve a dispute on my credit card for charges that were fraudulently made against my credit card the company in question is " XXXX ''. 
I at thousands of dollars charge to my account sometimes 7- 9 times a day. 

I tried with the company to resolve this with no avail no response from them so I contacted Wells Fargo credit card company they repeatedly took my information for 6 months now they opened five different disputes every time saying they don't have nothing on it and I've given them dispute numbers this last time was XX/XX/XXXX I called today XX/XX/XXXX to verify what's going on the lady tells me they have nothing I told her I have a complaint number and that over XXXX from still unresolved. 
I filed a complaint with the California attorney general 's office against the company question XXXX, the attorney for XXXX responded by saying we apologize and that because of my dispute with my credit card company they can not give me a refund at this time but if it doesn't work out let them know I contacted the California attorney general who recommended that better off dealing with the credit card company it's faster. 
It's been hell on Earth with them they are ignorant they don't care I submitted the California attorney general 's letter XXXX attorney letter sitting there apologize and would recommend highly to refund my money if it wasn't for my dispute every time Wells Fargo just ignores me and today they tell me that I have a better chance of going after XXXX. This company is ridiculous. I told them numerous times I never received anything if I did I returned it and I told the company that but I never got six to eight times a day anything maybe once in a month that was my mistake but Wells Fargo refuses for 6 months now to help me get out of this mess

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 2024-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Marcus by Goldman Sachs closed my savings account on XX/XX/year> without any notice whatsoever. I have had the account for more than 1 year with XXXX issues. I have been trying to call the customer service number several times including 2 hours on XX/XX/year>. I have more than {$80000.00} in the account. I asked for one of 2 things : ( 1 ) either re-instate my account; or ( 2 ) send me my money back. 
They keep routing me to different departments within Marcus by Goldman Sachs. I can't get them to simply just re-instate my account or send me my deposit back. They keep telling me to call them back after 3-5 days every time I call them. 
They won't even tell me why my account was closed either ; I am a very law abiding citizen, so there is zero chance of fraud or misrepresentation. So I am assuming it's just a simple mistake on Goldman Sachs end ; yet I am the only being harassed/punished. 
I really need these funds urgently since I am about to buy a property but now I dont have access to my own deposited funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
On XXXX XX/XX/year> I disputed an account reported in by XXXX XXXX XXXX/ XXXX the file you maintain under my Social Security number. 
I was informed on XXXX XX/XX/year> that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please assist me by removing and blocking the fraudulent inquiries that appear on my credit report. I would greatly appreciate your prompt attention to this matter to ensure the accuracy and integrity of my credit information. Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the above mentioned fraudulent items. I do not recognize the above mentioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was reviewing my credit report and found inquiries that I did not authorize

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
So I recently submitted a complaint Through the XXXX about inaccurate information on my credit report so because I put in a report to report Experian for reporting inaccurate information, they took my whole credit score away as if I dont have any credit information so because I reported them for reporting incorrect information They took my score to XXXX as if I dont have any credit information which is incorrect If Experian is going to do that to consumers, then I prefer them to not report my credit information because I feel like I cant trust them by this point!!

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second notice about this fraudulent item that I have already reported to the Federal Trade Commission. This fraudulent item on my credit report is allowing unauthorized access to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Im writing because of a dispute I sent to chex systems on XX/XX/XXXX in regards to an account with XXXX XXXX XXXXXXXX they are reporting and they did an investigation and claim the Financial institution verified the account. In my dispute i asked them to provide me with whatever documents that they received or phone number and name of person they spoke to to verify this account. I also needed the documents like any documentation that could verify that the " suspected fraudulant activity '' was done by me which Chex systems have not provided.This is a horrible claim to put on my profile. they are violating my consumer right and because of their inaccurate reporting im unable to open a bank account that is not right and I demand they delete this misleading false information. I have attached the letters that was sent out tot chex system for my dispute please see attachments section.

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