vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I am a victim of identity theft, I have tried numerous ways and times to communicate with the companies but have been shown negligence on their end! 
This account was not transacted by me! XXXX XXXX Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I am being harassed over and over about this alleged debt that IS NOT MINE! With the numerous amount of complaints i have submitted i am positive i have enough for a lawsuit! 
I have been in communication with the consumer finance protecetion bureau, the FTC, all three credit bureaus and the original credit for OVER TEN MONTHS FOR AN ACCOUNT THAT IS NOT MINE! 
I am in talks with an attorney and honeslty i just want to have this over with! 
Please do what THE LAW REQUIRES AND DELETE THIS TRADELINE FROM MY REPORT IMMEDIATELY!!!!!

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 2024-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I personally selected an individual credit card, I received one. I used it, I paid it off and hadn't used it after paying it off. My wife and I asked for a second card, only in my wife 's name. We received one. We paid it off, and never used the cards again. Still they sent us new cards, and we cut them up ... and paid the final statement amount {$19.00} We began receiving fees, I would guess just to possess the cards. We feel, and I believe if they can show me where we attempted, or made a purchase somewhere between the time we asked that they close the accounts, and receipt of our letter. we could see, agree, and pay. paid the fees and asked the merchant to close both accounts. To date the merchant had not. 

At least two months ago they began sending collection notices, which I responded to each in kind basically stating the same, sent us a statement showing the new purchase, and or a balance remaining after our " final payment ''. In XXXX XXXX  We feel, that they are currently just compounding the interest and fees, but there were no purchase since we asked to close the accounts.

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 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2024 I received a call, the caller ID coming across as Wells Fargo. The caller identified himself As a Wells Fargo employee and said he wanted to report some suspicious activity on my bank account. He read off some transactions in an area 2 hours away from my house that I did not recognize. I advised the caller that these were not my transactions. The caller then advised me he would cancel my current debit card and reissue a new one. The caller then transferred me to another line and had me create a new pin number which I did on my cell phone keypad. The caller also ask for my CVV code which I gave to him.The caller continued and said a new debit card would be on it's way within 7 business days. The caller had my home address he verified it with me The caller also offered me to stay on the line to wait for the XXXX tracking number. The next morning I checked my bank account there was more fraudulent activity. I immediately immediately called Wells Fargo customer service asking them to verify that my debit card had been cancelled. I was advised that it had not been canceled and was still in use. At that time I realized the call from the night before was a complete fraud I immediately filed a claim with Wells Fargo which they have continued to deny This fraud consist of 15 transactions totalling {$9600.00}. My case with Wells Fargo has been escalated, however, they continued to deny it, saying that the card was in my possession the whole time, my PIN number was used and they showed no evidence of any fraudulent activity. I've filed police reports in the 3 jurisdictions wheere these fraudulent activities have taken place. I'm also currently in the process of taking this fraud case to small claims court. My husband and I have been long time customers of Wells Fargo We have no criminal records we've paid off loans with Wells Fargo and have a good credit history. Unfortunately Wells Fargo is taking none of this into consideration They haven't even gone through the effort of obtaining video footage even though one of the transactions took place at their bank In XXXXXXXX XXXX At this point I'm looking for any help or suggestions. And I'm hoping the word gets out there because I'm sure I'm not the only victim. I'm also hoping word of my case gets out there in an effort to show people how Wells Fargo treats their victims of fraud and how they have handled this case without thoroughly investigating.

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 2024-06-09 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX XXXX XXXX Account number XXXX Here is the item I am asking you to verify as accurate.

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 2024-06-09 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I was a victim of Identity Theft. I contacted Credit Acceptance corporation, as my credit report shows an account through them as a repossession that is not mine. The Company Requested me to provide information related to the identity theft. I provided everything they needed from me, and refuse to remove this account from my credit report stating I did not provided enough evidence. Im attaching the communications I had with this company as well as all the information I provided.

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 2024-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have been dealing with ID theft for over two years and it has even escalated to the point of someone filing taxes under my ssn. XXXX  has been contacted and mailed, and are currently doing an investigation. Everything is locked, I have multiple ID theft protection accounts. Police report has been filed. Everything has been disputed until I just received a notification ( XX/XX/year> ) that a new account with a phone services had went into collections. I personally do not have an account with XXXX and I am confused as to why I was not notified of a fruadulant account before hitting collections. XXXX has my SSN number locked since late last year, so I do not know how this is happening. I am so frustrated and tired of this, as I felt Ive done everything I can ( even followed XXXX checklist when filing a report with them ). I just got married last year and I still haven't changed my last name due to the IRS investigations and ongoing fraud alerts I have set. I am lost and I don't know what I need to do. Was my SSN or personal information sold?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I know I was behind on my mortgage in XXXX I decleard bankruptcy from XX/XX/XXXX to XXXX of XXXX I have paid over {$70000.00} on this loan And Rushmore can not account for the money, Im not trying to lose my home, every time on their recommendation after I made a payment what ever they recommend it waste more time and always get multiple answers or things arent done to get this resolved. 
Some payments are like {$13000.00} some are {$6000.00}. 
I need some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX Violates 15 usc 1681a2 Comsumer didn't give written permission to have the company to reported any information to the CRA. The XXXX XXXX isnt the Original Creditor. Im requesting that XXXX XXXX remove any late payment and or provided me a copy of the original seller contract signature by the consumer when this property was purchased stated I gave them permission to report to the Credit Bureau.

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 2024-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage loan was transferred to Mr. Cooper and they did an Escrow Analysis in XX/XX/XXXX and said I was paying too much into the account and lowered my payment from XXXX ( found by my original loan ) to XXXX because property taxes were not as much as they expected. Then I get another analysis done XX/XX/XXXX saying my mortgage payment is being raised to XXXX because I did not have enough to cover property taxes. That is a huge jump in payment, I complained asked if I could remove the escrow account and pay on my own because a XXXX EXTRA a month payment is ridiculous and I could handle funds better. They said no, and cut the extra payment across 3 years so I now pay XXXX a month, still ridiculous. I got a notice in XX/XX/XXXX that we were moved into a flood zone and needed to purchase flood insurance. I let them know we would be purchasing our own policy, they purchased one for us anyways that was XXXX dollars and charged my escrow account, after I purchased a policy from XXXX XXXXl for XXXX and sent them the declaration page. They then paid XXXX dollars to XXXXXXXX XXXX after I spoke with them on the phone telling them I already paid it and had the receipt and XXXX XXXX said I had to pay the whole year to issue the policy and declaration page. So I then had a bigger negative escrow balance because they paid XXXX flood insurance policies, when they did not need to pay for any and they ran an escrow analysis in XX/XX/XXXX and want me to pay XXXX a month. They told me I would receive the XXXX dollars back from XXXX XXXXXXXX and I have to deposit it in to the escrow account. I have received nothing, I want the escrow account removed from my loan and I can easily handle the funds much better than XXXX XXXX incompetent analysts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to formally complain about the handling of my Apple Savings account by Goldman Sachs, which has caused significant inconvenience and financial loss. Due to an error by one of their employees, my account was frozen without any notification. This freeze resulted in a failed outbound transaction ( XX/XX/year>, {$5200.00} ), causing my credit card to incur interest fees due to the untimely payment. I have mailed Goldman Sachs all the evidence regarding this issue. Despite this, I have not received a formal response. An associate contacted me, admitted the error was on their end during a recored phone call session, but refused to provide a formal written response. They informed me that providing such evidence is not within their policy. I am seeking your assistance to address this matter. I request that Goldman Sachs provides a formal response to this complaint, reimburses the interest fees incurred, and confirms that measures have been implemented to prevent such errors in the future. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

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 2024-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

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 2024-06-09 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-06-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : CLOSED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNTS BELOW ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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