vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 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: RockLoans Holdings LLC
State: GA

Complaint narrative:
i have called this company several times ( ROCKETLOANS ) about the loan that was open when i locked i was XXXX XXXX XXXX XXXX  from XX/XX/XXXXXXXX XXXX XXXXill XXXX of XXXX i have filed police report and sent proof and done a ftc report XXXX  and XXXX are failing to anything about the negative fraud accounts reporting to my credit thes loans was taking out round the same time these are causeing hardship to life and impacting me in ways that making it hard to recover from

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: UT

Complaint narrative:
On XX/XX/XXXXXXXX  i received a notification on XXXX XXXX that i had a new hard inquiry on my credit account. Immediately after, i received an email from XXXX XXXX Credit Card Company that I had been approved for a Platinum Credit Card with a {$2000.00} limit. I immediately called the XXXX XXXX Fraud Department and reported it as fraud. They said they would mark it as fraud and close the account. 
On XX/XX/XXXXXXXX  I called both XXXX and Equifax to report the hard inquiry as fraud. They both told me to submit an FTC Report and send the report to them, only then they would be able to get to work to remove the hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: GA

Complaint narrative:
While traveling in XXXX, specifically in XXXX, on XX/XX/2023, I attempted to withdraw money using my Wells Fargo ATM card. Upon reaching the ATM machine, I noticed the unfavorable exchange rate applied by that particular bank and the additional " commission fees '' being imposed. I had read online that in XXXX, various banks employ different types of FX rates and fees, so it's advisable to compare options before making a withdrawal. 

I visited four different banks in the same area but couldn't find a reasonable exchange rate. Each time I attempted to check the exchange rate at the ATM, a screen displayed the cost in US Dollars and the commission fee to be charged. At this point, the ATM provided the option to either " cancel '' or " continue '' with the transaction. I chose to cancel all four times, so no money was dispensed to me. 

However, after four months of what Wells Fargo claims was an investigation, they are asserting that two of the four transactions actually disbursed money, which I strongly reject, as it is false. They are currently refusing to refund me, and it's worth noting that this isn't the first time Wells Fargo has caused me financial inconvenience through their lengthy and bureaucratic processes. Approximately three years ago, a similar issue occurred, but I chose not to pursue it further due to the significant time, effort, and stress involved in attempting to recover my funds. I've reached a point where I can no longer tolerate such experiences

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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I deposited a u s treasury department check into my bank of america ATM.on tuesday XXXX XXXX. Bank of America placed a 7 day. Hold on my US Treasury deposit and printed on the receipt that funds would be available by today. XXXX XXXX XXXX by XXXX. My money has not been released to me. And when I called, they told me. I had to wait another 24 to 48 hours and I should keep checking my account.

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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Please refer complaint # XXXX YOUR COMPLAINT I have a wells Fargo business and personal checking account. I called at XXXX XXXX  central time and was talking to a female. I wanted to know if i deposit a foreign currency check into my Wells Fargo then what will happen? how the currency conversion happens? How much time it will take for money to come to my account? How to do that? This female was not at all in a mood to do the work? When she was wasting my time and i tried to have a focussed discussion she threatened me to hang the call. I simply asked her the question in a different manner. But still this female pretended that she is not able to hear me- we were on the phone call for almost XXXX minutes ( some wait time and going thru the menu initially ). Then she hang up the phone on me. 


Please refer to the response from Wells Fargo Unfortunately, we stopped accepting foreign checks from XXXX in XXXX. Another option to receive funds from XXXX is a foreign wire. 


How come they are calling me XXXX? It's a great offense to call an XXXX origin purpose as XXXX. This is ridiculous that I am having this account since XXXX and visits the branch at least 3-4 times in a year. This is the worst KYC. I feel quite offended and insulting that they are calling me XXXX. Historically XXXX is one of the biggest dreaded sworn XXXX of 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 2023-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
On XX/XX/17 at around XXXX XXXX  ET I applied for a personal loan with the company. I asked the representative over the phone at the beginning of the call if the loan can be direct depositied EFT ACH to my personal bank account. I asked how long. She said it can be within a day or so. During the process of taking the application over the phone she said I was approved and asked how I would like the funds, " checking, savings or money market. '' I said, " Oh, it can be send via money market? '' Ya, that would work. I then gave my money market account info. She then submitted my final application and the system came back and said I needed to upload three months documentation of my account. I told her that while I've banked with this bank for more than 1 year, I only opened up the money market account within the past month. She then told me the loan would have to be sent to me by check then. I told her that if she had told me that when I was choosing what account to have it sent to I would have chosen checking. She said she couldn't do anything about it now and I would have to wait 90 days to reapply for the loan. I then cancelled the applicaiton. I was told something during the application process that wasn't correct and now my credit has a hard pull on it which negatively affects my credit. I am being negatively affected by this and the representative didn't care. There has to be loan laws that prevent people taking loan applications to promise things and say things that aren't true. If I had known funds couldn't be transferred to my bank account, I never would have applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank said Im on early warning systems and we dont know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent TransUnion and XXXX XXXX letters, and documents of proof that the account is not mine. I have also let XXXX XXXX  now that the address that they are reporting on the account is not mine. I have never lived there. Its not reported on my credit report because its not an address associated with me. I have let them know this multiple times along with cinnamon documentation that shows my actual signature along with me stating that my information was stolen years ago. That includes my Social Security, my ID and a lot of other important documentation, including my birth certificate. This account was open without my knowledge which is fraudulent, and it needs to be removed from my credit 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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX is reporting inaccurate information about a loan that was settled. The amount they are reporting is incorrect, they seem to have different information reported with the credit bureaus. 

I am attempted to dispute this with XXXX, XXXX, and Experian but have not been successful with getting this concern corrected. 

The credit bureaus are doing incomplete investigations and just going off of what XXXX is sending them.

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 2023-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an erroneous entry on my credit report which has been reported by XXXX XXXX. According to my credit report dated, there is an outstanding debt of {$920.00} associated with my name. I would like to bring to your attention that I have never had any business dealings with XXXX XXXX, and this account does not belong to me. 

This incorrect reporting has severely impacted my credit score and is a direct violation of the Fair Credit Reporting Act ( FCRA ). I request that you take immediate action to rectify this situation in accordance with the FCRA guidelines. I hereby demand the following actions be taken within three ( 3 ) business days from the date of this letter : I request that the erroneous account be removed from my credit report promptly. Please notify all credit reporting agencies to delete this inaccurate information. 

Provide legal proof that I have entered into a business relationship with XXXX XXXX. This may include contracts, signed agreements, or any other relevant documentation substantiating the validity of this alleged debt. Failure to comply with this request within the stipulated time frame will leave me with no option but to escalate this matter. I am fully prepared to take legal action in my local small claims court to seek damages for the harm caused to my creditworthiness and any associated costs incurred due to this error. 

I have also kept a record of all correspondence related to this matter, including this letter. Please consider this letter as a formal notice under the FCRA, and provide me with written confirmation once the erroneous entry has been removed from my credit report. I kindly request that you treat this matter with the utmost urgency and provide me with a timely resolution, I have attached my police report to this letter. Please remove this account 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 2023-10-17 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: NY

Complaint narrative:
After review of my credit report, attached for evidence, there are accounts that are reporting closed accounts. For instance, XXXX account ending in XXXX and XXXX. Additionally, XXXX account XXXX, is showing two separate reporting with different balances which is inaccurate. Seems to be XXXX and the credit bureaus are reporting inaccurate information which also violates consumer rights. XXXX is also reporting closed whereas the consumer has not been given the 1099-c federally required form of debt cancellation. US DEPT OF ED/XXXX account number XXXX is also reporting closed and also showing duplicate, more than once reported on the same account. XXXX XXXX XXXX account number XXXX is also reporting closed. I am demanding these accounts mentioned be deleted. XXXX, XXXX, US Dept of Ed, XXXX XXXX XXXX as well as the credit bureaus are violating my consumer rights by reporting closed accounts and inaccurate information. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet, XXXX is reporting this information. The reporting of excluded information pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX  compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
They contacted my stepson who only speaks XXXX and discussed late loan. The loan was originally made by people who knew his language. Truist should not be servicing any of my loans based on this behavior. They reported our payment as late and charged us fees/penalties. Never contacted other borrowers. Said we consented to all of this. We did 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 explanation
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was dealing with only one account that's in question on my Credit Report. i don't know where did they get this information and why they furnished this on my files. 

XXXX XXXX XXXXXXXX Account # : XXXX I have been raising and escalating this to Consumer Reporting Agencies on multiple occasions and I haven't received any updates from them until now.

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 2023-10-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was dealing with only one account that's in question on my Credit Report. i don't know where did they get this information and why they furnished this on my files. 

XXXX XXXX XXXX Account # : XXXX I have been raising and escalating this to Consumer Reporting Agencies on multiple occasions and I haven't received any updates from them until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
PLEASE SEE ATTACHED FILE

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 2023-10-17 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
They are stating I owe an Alleged debt, which I do not owe. they have not provided proof.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After review of my credit report, attached for evidence, there are accounts that are reporting closed accounts. For instance, XXXX  account ending in XXXX and XXXX. Additionally, XXXX account XXXX, is showing two separate reporting with different balances which is inaccurate. Seems to be XXXX and the credit bureaus are reporting inaccurate information which also violates consumer rights. XXXX is also reporting closed whereas the consumer has not been given the 1099-c federally required form of debt cancellation. US DEPT OF EDXXXX account number XXXX is also reporting closed and also showing duplicate, more than once reported on the same account. XXXX XXXX XXXX account number XXXX is also reporting closed. I am demanding these accounts mentioned be deleted. XXXX, XXXX, US Dept of Ed, XXXX XXXX XXXX as well as the credit bureaus are violating my consumer rights by reporting closed accounts and inaccurate information. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet, Experian is reporting this information. The reporting of excluded information pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.

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 2023-10-17 00:00:00
Product: Credit 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: PNC Bank N.A.
State: NJ

Complaint narrative:
This has been going on for years. I have started questioning in the last 5 years. At one point one of these people took {$1000.00} from my checking account. I think I have my bill paid and suddenly Im paying at the end of the month for something I paid for in the almost the middle of the month. And when I call them on it they say a company I purchased from can take 3 days or 30 days to submit the purchase to them ( the credit card company. ) and they cant tell me what was purchased only that a purchase was made on a certain date. So I have to trust the process like the process cant be corrupted or abused or mismanaged! XXXX XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2023-10-17 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: AL

Complaint narrative:
There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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