vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo fraudulently opened two new accounts - a checking and savings account on Sunday, XX/XX/2021. Accounts : XXXX and XXXX. 

I was alerted by a text saying my accounts had XXXX balance. 

I already have a business and personal checking with Wells Fargo, and a checking account with XXXX XXXX and XXXX XXXX XXXX XXXX so I did not need another account. 

Wells Fargo has a history of fraudulently opening accounts without permission.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon checking my credit report, I notice an account from XXXX XXXXXXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I was asking why my credit score dropped with TransUnion when nothing had changed on my credit report. No derogatory information, no past due information, no inquiry information, and and no change in my available balances to my balances on credit limits. No one was able to answer my question nor were they willing to help me try to find out why that happened.

All I am asking is that someone help me get to the bottom of why this happened. I keep asking for supervisors at TransUnion and not being able to talk to one.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank
State: MI

Complaint narrative:
SYNOUVUS/XXXX climes that I owe them {$11000.00}... Contractor did not finish the roofing job in XXXX, paid for one year the contractor would not finish the job I stop paying in XXXX was settled this year!!! Paid in full!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: CA

Complaint narrative:
We are completely satisfied with our current FHA mortgage. We keep receiving letters and phone calls from JFQ Lending. On several occasions over the last 4 months we asked them to remove us from their mailing and asked for the phone calls to cease and desist. The letters come in the form of official government documents. We would like assistance getting our address off their mailing list.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These inquires do not belong to me. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. US SM BUS ADMIN ODA, XXXX XXXX of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These inquires do not belong to me. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. US SM BUS ADMIN ODA, XXXX XXXX of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A credit card issued by JPMCB card services, XXXX XXXX XXXX, XXXX, DE, opened XX/XX/XXXX lists on my credit reports a past due amount of {$18000.00} as of XX/XX/XXXX. I lost my job and became homeless in XXXX of XXXX. I attempted to keep paying until XXXX of XXXX, however I ran out of money and contacted JPMCB to let them know I was homeless and barely surviving and could not make payments due to lack of employment and no funds. They gave me a short grace period, added fees, penalties and kept charging me interest that soared beyond any amount I could pay, then went to collection where I said I could not make payments, then they charged it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
I have previously sent you a request to validate my debt, for the following account numbers, on XX/XX/2021, XX/XX/2021, XX/XX/2021 : Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XX/XX/2021, XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am who I am the consumer in fact. I have been a victim of identity theft and I have sent numerous correspondence to the companies, filed FTC reports and mailed numerous forms of documentation to this agency attempting to get these negative, and inaccurate items off my consumer report before I seek further litigation. This is my last attempt to have these items blocked. Pursuant to 15 usc 1681c-2all of this information resulting from dentity theft must be blocked within 4 days. I demand it be blocked immediately and I request an immediate copy of my consumer " file '' be sent to my address on file. I never gave consumer reporting agencies consent to furnish reports on my behalf pursuant to 15 usc 1681b ( a ) ( 2 ). Attached its the ftc reports that reflect the accounts that are associated with fraud and i demand be blocked 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 explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am who I am the consumer in fact. I have been a victim of identity theft and I have sent numerous correspondence to the companies, filed FTC reports and mailed numerous forms of documentation to this agency attempting to get these negative, and inaccurate items off my consumer report before I seek further litigation. This is my last attempt to have these items blocked. Pursuant to 15 usc 1681c-2all of this information resulting from dentity theft must be blocked within 4 days. I demand it be blocked immediately and I request an immediate copy of my consumer " file '' be sent to my address on file. I never gave consumer reporting agencies consent to furnish reports on my behalf pursuant to 15 usc 1681b ( a ) ( 2 ). Attached its the ftc reports that reflect the accounts that are associated with fraud and i demand be blocked 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 explanation
Consumer complaint received 2021-10-05 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: GA

Complaint narrative:
EQUIFAX CONTINUES TO IGNORE MY LETTERS AND WILL NOT HANDLE THE VERIFICATION AND VALIDATION PROCESS OF MY ACCOUNT! 

THEY CONTINUE TO LIE ABOUT A PUBLIC RECORD ON MY ACCOUNT AND THEY ARE SAYING THEY FOUND IT ON XXXX AND THE BANKRUPTCY COURT! 

I HAVE ATTACHED PROOF FROM XXXX XXXX AND THE BANKRUPTCY COURT THAT NO DATA HAS BEEN PROVIDED! 

I WANT THIS PUBLIC RECORD REMOVED IMMEDIATELY! MY RIGHTS ARE CONTINUALLY BEING VIOLATED AS A CONSUMER!!!!!!!!!!!!!! 

THEY ARE IN VIOLATION OF THE FOLLOWING AND WILL BE HELD CRIMINALLY LIABLE OF EACH : 15 USC 1681a ( e ) -NEVER VALIDATED MY INFORMATION!

15 USC 1681b ( a ) ( 2 ) - STOLEN IDENTITY, NO PERMISSIBLE PURPOSE TO FURNISH MY DATA 15 USC 1681 ( a ) ( 4 ) - VIOLATING MY PRIVACY RIGHTS 15 USC 1681i ( 5 ) ( B ) - REINSERTED PREVIOUSLY REMOVED DATA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
This is a Fraudulent account under my name. I have no recollection of this account. On my XXXX report it said Moneylion was added to my account and I have no idea what this was and it said about {$920.00} was taken from this account loan. I tried to dispute this account before but the company moneylion reported that the information is correct which is not me. This is Fraud and is not my account. I called Moneylion a long time ago to let them know it wasnt me. I think Moneylion is a Scam. I am not paying for a loan that is not mines. I dont know who got my information and put it on Moneylion but it is not me. I am an XXXX  XXXX XXXX  and do not need this type of stress to worry about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Letters were sent certified mail and phone calls were made regarding these issues listed below without resolution : Unauthorized Inquiries : XXXX XXXX XXXX XXXX, XX/XX/2021 & XX/XX/2021 XXXX, XX/XX/2021 XXXX  XXXX, XX/XX/2021 Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Incorrect Phone Numbers : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I consumer XXXX XXXX, received a consumer report from TransUnion and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to TransUnion more than 30 days ago and have not received any response. I am deeply distressed by TransUnion 's noncompliance. XXXX is civilly liable pursuant to 15 USC 1681n

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 2021-10-05 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 sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmerAssist A/R Solutions, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX XXXX to pay my account balance of {$700.00} to Amerassist AR Solutions debt collection agency. I asked that the account be reported to the credit bureaus as removed/ deleted since I was paying the balance in full. XXXX XXXX agreed and told me Id receive a letter of receipt for the transaction with the removal as well. I was alarmed after waiting until XXXX to see, the change to my credit report hadnt been made. I reached out to Amerassist AR Solutions debt collection agency on XX/XX/XXXX & spoke with Ms. XXXX XXXX again, I asked why hadnt the account been reported as removed/ deleted & she asked to place me on a brief hold, that eventually sent me to voicemail. I called the company back and then spoke with Ms.XXXX she told me, Id have to wire the payment through my bank in order for the account to be removed from my credit report. Also was told, Id have to cancel the payment that was made back on XX/XX/XXXX and start all over again. Once payment is wired, funds are received immediately, and that will then remove the collection from my credit report. I went back over everything she said to me, and informed Ms.XXXX that it was unfair to me, because XXXX never mentioned any of that information, when I asked to have the account reported to the credit bureaus as removed/ deleted. Ms.XXXX abruptly asked to place me on a hold. I called my bank ( XXXX XXXX ) and asked the banker to stay on the call as a witness to what I had been experiencing. The banker and I were both on hold & sent to voicemail again. The banker placed a dispute on my account for the {$700.00} transaction to Amerassist AR Solutions debt collection agency & she then sent me an email to reach out to to XXXX and XXXX. XXXX rep XXXX helped me a lot by listening to what happened to me & placed a dispute. As of today, XX/XX/XXXX I still have not seen a change to my credit report with this matter, so I reached back out toXXXX and was told by rep XXXX Amerassist AR Solutions debt collection agency had responded with a letter validating the transaction. However, that letter did not include the removal/ deletion for the account that I requested for, when I made the transaction with the debt collection agency. XXXX then gave me the information to contact the CFPB and I had the pleasure of speaking with representative XXXX, who walked me through my next step to complain about Amerassist AR Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
My home closing was XX/XX/2021. My new mortgage was immediately sold to LoanCare XX/XX/2021 although I was told my loan would not be sold. 

I already had my direct debit setup through XXXX XXXX and had to call it in to get it setup through LoanCare.

Tried for 2 days to get into the LoanCare site- it's down. Links on this allegedly secure site are not active, SMS text messages to phones to verify the account are hit or miss - regardless none of them will verify you as the account owner or let you complete sign up. Big problem on a secure site- indicates there's nothing secure or viable about this mortgage site, nothing is locked down. Information can be entered but not kept confidential.

Had over 60 minutes tech support with LoanCare, they say no one is having issue. Site checkers say otherwise with many, many people at risk of not being able to pay due to a faulty website. None of us can get into their site to setup payments. Worse - this company holds personal and banking information- they have a responsibility to maintain a secure, working site.

LoanCare Website : https : XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX Just one of the Loan Site Down Logs : https : XXXX Another site stating same : https : 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 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Money of {$2000.00} was transferred to wrong XXXX account on XX/XX/2021 from Wells Fargo. After numerous calls between Wells Fargo ( sending company ) and XXXX ( receiving company ), Wells Fargo will not retrieve funds and XXXX will not move money to correct 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 explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Representative or a law firm of Bank of America called me last week saying Im being sued for a bounce check for {$500.00} or something around there and they said they will be subpoena me soon I really dont know what to do.

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 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I filed a complaint # XXXX re First National Bank of Omaha closing my account. 
They responded that I was told that they would close my account. 
That is not the entire story. 

In response it was never clearly stated by any employee that if I catch up and pay all past due payments current related to the Covid 19 problem, that my account could not be opened again or that I wouild have reapply for a new card.

There is no guarantee that I would be issued a new card especially with all the Covid related payment problem I had. 

The result is that I would have to continue to pay my monthly minimums without the benefit of any availalble credit. This is grossly unfair and demonstrates no good will. 

I have had similar closed account experience with other credit cards I have and they were always to able to reopen my accounts. 

They need to do the right thing because I did. Thank 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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation