vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo lied about permitting international wire transfers -- the account would need to be open for 6 months so that is worthless in my situation. 

In addition, Wells Fargo illegally reopened an account I closed due to fraud years ago, without providing me with any of it's former information, taking {$500.00} of my XXXX income to fund it, and having the gall to attach a hacked old XXXX account to it that I have not been able to access for years. 

A lying XXXX I recorded named XXXX XXXX even had the nerve to claim the money would be refunded and account closed -- while refusing to provide any confirmation of such action. 

Her colleague confirmed during my next call that she was lying and claimed they need to " investigate my allegations that they reopened an account illegally when I applied for a new one, which could take 3 weeks ''. 

I have multiple recordings of their NEVERENDING XXXX during our last calls and need to the money immediately refunded electronically and account closed due to the initial fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
RE : Your Reference Number XXXX I requested the following information from the collection agency regarding the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt. To date I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Service Bureau, Inc.
State: NE

Complaint narrative:
This Consumer Financial Protection Bureau ( CFPB ) complaint will be tendered as evidence that General Service Bureau Inc., of XXXX Nebraska has left me no choice but to begin a litigation process against them regarding a debt I do not owe and formally notified them of such. On XX/XX/2018, I sent a " formal ' letter of notification to General Service Bureau Inc., by " certified return receipt '' mail receipt # : XXXX XXXX XXXX XXXX XXXX. I have attached to this complaint a " copy '' of the notification letter and the U.S. Postal Service receipt showing the letter was delivered ( and signed for ) on XX/XX/2018 at XXXX XXXX. Still General Service Bureau Inc., refuses to acknowledge my rights under the FDCPA and cease contact with me after sending a " written '' demand to do so. I followed FDCPA protocol andI sent a  cease contact letter explaining to them federal violations if they continue engaging in federal violations regarding debt collection under the FDCPA. By continuing to contact me ( about a debt I do not owe ) shows a blatant disregard for federal law. Furthermore, my sole income is Social Security income which is federally protected income under the Social Security Act law. I am head of household and have no property of value. I am " judgment proof '' by law. In the XX/XX/2018 letter I made it clear that I will file formal complaints with the Nebraska Attorney Consumer Protection Division and the Nebraska Secretary of States Office that govern 's " debt collection '' license. If General Service Bureau Inc., continues to " harass '' me after I've made my position known in this matter, I will sue them. I am collecting evidentiary documentation in an effort to pursue this matter legally. I appreciate CFPB providing this venue as a form of viable documentation that I can share with the Nebraska Consumer Protection Division and the Nebraska Secretary of States Office. I will hold General Service Bureau Inc., accountable for their action regarding the harassment I'm suffering at their harassment techniques. I will demand a review and sanction of their debt collection license and request a investigation in their operational practices that harms the general public. Thank you for all the CFPB does for consumer 's in keeping us safe and vested in your mission. It is greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian failed to investigate the accounts in my last dispute. They have done little to provide any evidence to support their verification. The burden of proof is not on the consumer. Experian has not provided a method of verification and has simply ignored my dispute and asked me to contact the creditor directly. I have in fact, on several occasions, contacted each creditor regarding my disputes and have not received a response or have received very little information that does not support the inaccurate reportings. 

This willful non-compliance is unacceptable and these disputes need to be treated with detailed attention. The XXXX XXXX verification method is not adequate. These listings need to be manually reviewed and either updated or removed. Both Experian and the creditor fail to prove or provide substantial or convincing evidence to support their inadequate reportings. If someone manually reviewed these disputes rather than depend on software to match stored data, these listings would have been removed or updated properly after my very first dispute.

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 2019-07-06 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: CA

Complaint narrative:
I have been trying to resolve these issues with XXXX XXXX from XX/XX/XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX Financing which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled

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 2019-07-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to resolve these issues with XXXX XXXX from XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, XXXX XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX Financing which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to resolve these issues with XXXX XXXX from XX/XX/XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX XXXX which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled

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 2019-07-06 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/GA Attorney General/Consumer Finance/XXXX ; Equifax. Report # XXXX. 
RE : Request to Block Unauthorized Charges from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX XXXX ACCT : XXXX AMT : {$1200.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$0.00} XXXX XXXX XXXX ACCT XXXX XXXX AMT : {$0.00} XXXX XXXX ACCT : XXXX AMT : {$7000.00} XXXX   XXXX XXXX ACCT : XXXX AMT : {$1600.00} I have enclosed my FTC Identity Theft Report and a copy of my credit report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been conducted and concluded, with verdicts in my favor from XXXX  and XXXX, However, Equifax ( which is the Bureau  that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/2019 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 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: FL

Complaint narrative:
THE DISMISSED ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY REPORT. PLEASE SEE ATTACHED FORMS AND RE-INVESTIGATE THIS MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
To make a long story shorter, Citi has been charging us late payment fees since like the first month we opened the XXXX account. We asked them to change to due date to the middle of the month. They haven't changed the due date and continue to charge us late fees. I have never come across a company so pathetic with their fees! EVER! We want ALL late fees credited to us or not be surprised when I stop paying them altogether. I will simply stop paying.

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 2019-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISMISSED ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY REPORT. PLEASE SEE ATTACHED FORMS AND RE-INVESTIGATE THIS MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISMISSED ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY REPORT. PLEASE SEE ATTACHED FORMS AND RE-INVESTIGATE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation
State: FL

Complaint narrative:
I have not received a detail of the services provided and the amount owed for what services. I have also been in contact with the debt collector company Im waiting to receive information reported to credit

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 2019-07-06 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I made a payment on my Macy 's credit card account via an ACH draft from my checking account. I paid off the full balance of the account at that time. The amount of the ACH debit was {$220.00}. 

I received a notification from XXXX that I had a negative payment history filed on my credit report. I pulled my credit report to see what had been reported and found that Macy 's was reporting my account delinquent, despite having paid in full. 

I immediately contacted Macy 's credit services to get this error corrected. The representative stated that they could see where I had authorized the ACH payment but it had not credited to my account & inquired if I had seen the transaction clear my bank account. I confirmed that the transaction had cleared my account on XX/XX/XXXX. I was given a fax number to fax proof that the transaction had cleared and assured that they would correct their error and remove the negative reporting. I faxed proof that same day as instructed. 

Today, XX/XX/XXXX, I contacted Macy 's credit services again and was informed that the error was still not corrected. I also today, XX/XX/XXXX, received notification from XXXX   that they had completed their investigation and upheld the fraudulant negative reporting by Macy 's since Macy 's still has not applied the cleared payment to my account. 

I have proof that this is Macy 's error and have suffered damage to my previously exemplary credit because of their negligence and failure to resolve this issue despite all proof of their error being provided to them. This is unacceptable and unethical business practice.

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 2019-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
The refinancing application through Quicken Loans aka Rocket Mortgage has been a terrible experience. I have been victim of their unprofessionalism and incompetency. Quicken Loans aka Rocket Mortgage have repeatedly violated my RIGHT as a borrower to : - be informed about the total cost of my loan including the interest rate, points and other fees. 
- have access to a Good Faith Estimate of all loan and settlement charges before I agree to the loan and pay any fees -. 

Example one : during the application process they realized/discovered that XXXX XXXX XXXX ( aka XXXX ) held first lien of my mortgage, and not the company I had originally refinanced with the first time. I was asked very casually if I was open to paying off XXXX  -failing COMPLETELY to mention the HUGE impact this action would have on the cash back terms of the loan. After I agreed to pay off XXXX they casually mention this will decrease by over 9,000 the cash back amount mentioned in the Loan Estimate terms I was presented XX/XX/2019

Quicken Loans should have been able to see the lien information when they pulled my credit report. XXXX being 1st Lien should have NEVER been news/surprise to Quicken Loans. I expected to be refunded in full the {$500.00} I paid for Appraisal cost. Appraisal I agreed on based on the inaccurate, deceitful " Loan Estimate '' of XX/XX/19. 

When I demanded refund my request was escalated. They denied the refund and continued to say : " I reviewed the communication you had with us up front and did find that you explained to XXXX that you had completed an 80/20 loan. The 80 % is the 1st lien and the 20 % is the 2nd lien. Since we were advised you had the 80/20, we set up the application thinking that the 20 % was the 2nd lien as this is typically the case ... " Their job, as a lender, is not to " think '', " assume '', or " guess '' liens .... their job is to be thorough, do a professional, honest, job and provide borrower with an accurate loan estimate after using the tools available to them as a financial institution - such as : my full credit report. Instead they made assumptions .... The decision I made was based on their assumptions, presented to me as fact. 

They have also denied me the contact information, requested several times, of the person they were in contact with in XXXX despite repetitive attempts on my part to obtain it. 

Please stop this company from abusing borrowers like me : I'm a XXXX XXXX XXXX  mother, head of household, holding 2 jobs, to meet my financial responsibilities and pay all my bills on time ... they just scammed {$500.00} out of me, and have no remorse or sense of responsibility for their actions/mistakes. They refuse to refund me the {$500.00}, they mislead me into paying for appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: VA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed e. couple of items that are not mine on my credit report. I have contact the FTC and the police here. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Im dong this on my own behalf.

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 2019-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX was paid through the collection agency XXXX XXXX on XX/XX/2019 for {$1000.00}. It was agreed that this account would be deleted from my credit report. I have provided that information to XXXX, XXXX, and Transunion but XXXX XXXX XXXX still reports that I owe 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 explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've been trying to have a closed/ charged off auto loan removed from my credit profile. I have contacted the credit agency and also sent out a 609 letter to verify that the account is indeed mine. I haven't heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: AL

Complaint narrative:
I submitted a dispute concerning inaccurate and fraudulent inquiries and account on my credit report. I submitted proof of my correct information and the Creditor asked Equifax to remove the inaccurate item and they have not done so. They have also kept the inquiries on my credit report when they are not inquiries I initiated.

Company response to consumer: Closed with explanation