vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
On XX/XX/XXXX aXXXX XXXX XXXX  CST, I received emails and phone calls reporting suspicious activity on my debit card. I called Wells Fargo and at that time no charges had gone through. While talking with the re and after stating I did not authorize these purchases 2 more for the total of {$500.00} went through. I said this was not me and I have had my card in my possession and have never given my PIN to anyone. I filed a claim and 7 days later my claim was denied. I appealed the claim and asked for documentation on why the claim was denied. I was told that I approved the text message saying the transaction was mine and that a chip was used and could not be duplicated. I provided detailed text logs from XXXX XXXX XXXX, showing that no text was received and that no text was sent during this time frame. I also provided a screen shot from Wells Fargo banking statement that showed the chip was not used and the card was swiped. I have filed a complaint with the XXXX, Attorney General, XXXX XXXX XXXX and also the FTC, in an effort to get the money back. They have still denied that claim. I have asked that they provide the footage from the ATM, both from Wells Fargo and also the PD. Wells Fargo said they would not supply that information. I have proven that it wasn't me the the requested documentation from Wells Fargo has still not arrived.

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 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portnoy Schneck, L.L.C.
State: NJ

Complaint narrative:
In XX/XX/2022 I had a title search done to identify any outstanding debts that I might have.This debt did show up on the report but I did not recognize it as mine, and there was no address to indicate that it might be me.I never have or would have accumulated that large a debt. My lawyer sent a signed affidavit that said I had no known responsibility of this debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Someone made a {$190.00} fraud charge on my XXXX XXXX XXXX XXXX XXXX credit card in XXXX. I reported the charge and they just kept sending me new cards without investigating. The balance continue to grow with late fees. I repeatedly called and Could not speak to the person who could fix the situation so I filed a complaint with the XXXX. In the meantime, it has been reported on my credit that I am currently {$99.00} past due and that I have a {$270.00} balance with the card co and I do not. I have contacted them again and again and disputed with all XXXX credit bureaus and they can not get the company to provide update information. I have it on my phone, it shows paid and credits/ adjustments where they issued credits for the past due fees and charges. It is obviously this credit card company that is the issue since none of the disputes have rectified the problem.

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 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates XXXX XXXX XXXX and XXXX never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
We opened a business account with US Bank around XX/XX/XXXX and have been using it for about a year and a half However, we found out that all deposits and withdrawals from the account were disabled from XX/XX/XXXX to XX/XX/XXXX. 
We have called US Bank and visited the branch. They had informed us that our account was at risk and would be closed. They also said they would send us a check of about {$73000.00} in account balance in XXXX weeks. 
XX/XX/XXXX US BANK informed us that they would send the check in XXXX weeks again. 
Around XX/XX/XXXX we asked to change the address where we would receive our checks. 
They promised to send it to our new address within 10 days. 
It is now XX/XX/XXXX and we have not yet received funds.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There were several inquiries made on my credit report without my authorization. I received a letter from XXXX advising me that my credit was compromised due to a security breach within their organization and further advised to check my credit. Upon checking my credit, I discovered all of the unauthorized inquiries to the following companies : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/2021, XXXXXXXX XXXX  XXXX, XXXX, XXXX, JPMCD CARD-XXXX, XXXX XXXX  XX/XX/2021, XXXX XXXX, XXXX 'S XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: TN

Complaint narrative:
I have filed three disputes each for two different XXXX XXXX accounts. The first account ends in XXXX and the second account number ends in XXXX. Attached you will find the results of those disputes from Equifax. XXXX XXXX states on ( IMPORTANT INFORMATION ) on XX/XX/XXXX that the last payment they received from me was XX/XX/XXXX. This was not the original date showing up on the first dispute but was changed by the company on subsequent disputes. On the first account ending in XXXX, I did not make any payments on XX/XX/XXXX whatsoever. I did however make the following payments amounts and on the following dates. Payment one after their XX/XX/XXXX date was on XX/XX/XXXX in the amount of {$150.00}. Payment two was made on XX/XX/XXXX in the amount of {$130.00}. Payment three was made on XX/XX/XXXX in the amount of {$1200.00}. Payment XXXX was made on XX/XX/XXXX in the amount of {$9.00}. And lastly, for this account payment, five was made on XX/XX/XXXX in the amount of {$11.00} resulting in a XXXX balance ( please see attached payment history from XXXX XXXX 's website ). Now, if they reported on XX/XX/XXXX that my last payment was on XX/XX/XXXX, where did they get this information since it is completely inaccurate? If the balance was updated on XX/XX/XXXX it would show a XXXX balance instead of owing 98 % of my available credit. This misuse of information is damaging to my credit report and I have tried three times to no avail to get the issue rectified. On the second account ending in XXXX, the following payments were made on the following dates. Payment one was made on XX/XX/XXXX in the amount of {$250.00}. The second payment was made on XX/XX/XXXX in the amount of {$98.00}. The third payment was made on XX/XX/XXXX in the amount of {$410.00}. And lastly, the four payment made on this account was made on XX/XX/XXXX in the amount of {$50.00}. No payments were made on either account on XX/XX/XXXX as stated by XXXX XXXXXXXX. The correct balance for this account is {$490.00}, not {$940.00}. For reasons I will not speculate, XXXX XXXX and Equifax have failed to fix the reporting of this false information despite me sending them proof and being persistent in my findings. In lieu of the information being corrected, account remarks have been changed and the date from the first dispute versus the next, and so on. I am trying to get this issue resolved as quickly as possible. This information is being reported to you because my formal disputes are going uncorrected and my phone calls are being abruptly ended despite no vulgar language or yelling on my part. I have been nothing but professional in this matter but ; I have been persistent. Please see the 14 attachments below. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
In XXXX of 2021, I applied for a refinance of my mortgage. I accepted the interest rate of 2.75 %. I am a XXXX XXXX. I might be away from home as much as 3 months a year. I have a mail box at a XXXX XXXX that I use as my mailing address. They collect and forward my mail to wherever I am working. The refinance reps wanted a bill that didn't show my mailing address but only my residential/mortgage address. I sent or uploaded my water bill. I was told by my refinance rep that my file was complete and it would take about 60 days for the new interest rate to take effect, probably XXXX. 

When I did not see any changes on my XXXX statement, I called to follow up. It was then I was told that my file had been closed because it was incomplete. I asked how it was incomplete, the rep said it was missing the water bill. I explained that i sent my water bill and was told Iwas approved. The rep confirmed that the water bill was there and a part of my file. Then i was told that the file was closed due to fraud. I asked for a explanation but no one was able to give me one. I was transferred to several different reps in different departments, always being told the next rep/department would be able to reinstate my file and give me the 2.75 % I was supposed to get. No one could tell me why my file was closed or what " fraud '' had been committed. No one could tell me why Freedom Mortgage, who called my cell phone everyday while waiting for the water bill, did not call, text, email or write me to say my file was incomplete ( which it wasn't ) or that fraud had been found. 

Then I was sent to XXXX XXXX. He said he could give me a quote on the current interest rate, since the old one expired. He told me the best he could do was 3.875 %. I declined. What I also found out later is that XXXX XXXX had not given me a quote. He filed a whole new application, without me knowing. 

This experience has left me feeling deceived and cheated. I've decided to give Freedom Mortgage every opportunity to rectify this situation before I hire a lawyer and start filing complaints to the relevant state/federal agencies, civil rights groups, predatory lending organizations and social media. Can you please help me fix this? Or forward this to the person/department who can?

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 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
See Complaint ID XXXX. The taxes have not been paid as of today. Taxes are now in collection at the court house and have incurred over {$800.00} in penalties and interest. I am now concerned that this is affecting my credit score. Concerned that my property will be put up for sale for tax collections. I have never missed a payment. I have now involved the State Department of Banking. The on-line escrow with Caliber only shows history back to XXXX, 2021. I have requested a detailed escrow statement showing all transactions since they have owned the loan ( XXXX, 2021 ). Have been told that this will be emailed to me within the next couple days. Have spoke with Caliber 11 times, been hung up on once and told that a supervisor would return my call but never did. Spoke with tax authorities more than twice and confirmed that Caliber has never called, left any messages nor attempted to make any payments. I have discovered via the XXXX website that I am not the only one having this problem with Caliber. Also discovered that Caliber 's license has been revoked in the state of California. I have issued a complaint via the XXXX as well. I would refi my loan with another company if I could get the same 2.75 % loan but that is no longer an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a document that appears to be a bill. It is from a company called Convergent. They are collecting {$110.00} on behalf of XXXX. I have never had such account for any services or purchases. The first time I called Covergent ( the debt collector ), they refused to give me information unless I disclosed my social security number, which I did not so they hang up on me. The second time I called, they gave me a bunch of addresses where they say I have lived before but none of them were mine. They asked for my phone number in case I got " disconnected '' from the call, and also asked for my SS # again. I did not give the information and told them I would be reporting this incident.

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 2022-02-08 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: MD

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation