vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
At the end of XXXX XXXX of XX/XX/2021 I noticed our savings account was showing a negative dollar amount even though we had been adding money to the account. I reached out to CitiBank to figure out what was going on and was told there was fraudulent activity so they needed to put a freeze on my account. As of XX/XX/XXXX the account no longer existed and the money was never refunded back to my account. I have called numerous times between XXXX XXXX XXXX with nothing being done. I have been told several times to allow 10-15 business days to receive a refund check for my {$1000.00} from the account however I am now a full 30 days past that. I get passed to several representatives who don't speak good XXXX and don't understand what I am asking. I have been hung up on and placed on hold several times.

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 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One let us cash a fake check that someone sent to us and put the money into our account. Because the money entered our account, we thought that the check was valid. So then we sent a portion of the money received to the person who sent us the fake check as they claimed that it was for moving fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: KY

Complaint narrative:
Equifax is reporting a fraudulent account called XXXX XXXX XXXX for {$130.00}, i believe my information was apart of the equifax data breach i've never done business with XXXX XXXX  XXXX, i never signed a contract or gave permission to XXXX XXXX XXXX to access my social security number or personal address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: NJ

Complaint narrative:
ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: HI

Complaint narrative:
Please refer to complaint ID XXXX submitted on XX/XX/XXXX. 

On XX/XX/XXXX, I filed a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX received my consumer complaint and closed my account. They also notified their client to do the same stating, " We are in receipt of the Consumers dispute and have notified our client of the same. Our office has placed an immediate cease on any attempts to communicate with the Consumer regarding this matter. '' XXXX XXXX XXXX has disregarded this notification and proceeded to send my account to yet another collection agency. This time, for the balance of {$120.00} which is why I am filing another complaint against XXXX XXXX XXXX and the new collection agency, Resurgent Capital Services, who I need to notify within 30 days that I am disputing the validity of this debt. 

At this time, I would like to file a complaint against XXXX XXXX XXXX and Resurgent Capital Services. I don't know XXXX, XXXX 's address or how to get in touch with them, so I am sending them a letter care of Resurgent Capital Services which is within the 30 day window to dispute the validity of this debt. 

As I stated in my last complaint, " My credit card was breached XXXX XXXX. My bank cleared the charges that were made at the time and I changed my card. These charges were made after I closed that credit card, and therefore, did not show up on my statement. I did not make these purchases, nor did I receive any services. The charges were made to XXXX. XXXX then sent the charges to a collection agency called XXXX XXXX and that was the first time I knew about the charges. I did not know how to get in touch with XXXX, but I wrote to the collection agency to clear it, but they sent me a letter saying I still owed it on XX/XX/XXXX. I filed a complaint with the FTC Report XXXX : XXXX on XX/XX/XXXX. I just received another letter from a different collection agency, XXXX XXXX XXXX who said that they purchased my account from XXXX and is giving me until XX/XX/XXXX to pay {$210.00} of the total balance of {$350.00}. Again, I did not make any payments because I did not receive any services. '' On XX/XX/XXXX, XXXX XXXX responded that they closed my account. 

All documents are attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
went on XXXX  website for credit card offer XXXX with no interest 14 or 15 months free interest on balance transfers o yearly fees XXXX to XXXX variable interest based on credit worthiness applied and approved in a few minutes then on XXXX got citi bank info in mail about interest charges two days later got letter from citi bank saying during our routine monitoring, we discovered suspicious activity on a new citi XXXX  XXXX account in your name we need to confirm this is your account before any additional charges will be allowed call XXXX so i called on XXXX XXXX different times got hung up on after identifying my social number cell number secret question i ask for the girls name and how to spell her name she said XXXX and is from the XXXX. she put me on hold when i ask her what was going on what is suspicious? i have not got a card with an account number yet nor i cant activate something i have not relieved. then she put me on hold then hung up on me. i have tried several times with no avail. very discouraging when you get scammed on one of the credit reporting bureaus website.i have the mail the sent me and keeping it. i have reported this to the federal trade commission as well. Note : on the XXXX  website it shows citi checked my report but shows i owe more then i do exactly what i was approved {$5700.00} but it does not show what or where or how i owe the {$5700.00} at this pint so i can not dispute what is not there. going to call XXXX and have a talk with them see what they say on 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 2021-05-06 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Sir/Maam ... My name is XXXX XXXX XXXX XXXX XXXX XXXX. I am an enlisted personnel of the XXXX XXXX On XXXX XX/XX/2021 I sold a XXXX  XXXX XXXX XXXX XXXX Buying Website called XXXX, the XXXX amount is around XXXX that is XXXX XXXX XXXX worth of XXXX, l was able to sell it in XXXX with more XXXXr less XXXX and it might got higher depending on the market exchange also according to the XXXX they are the one who would shoulder the payment of the transfer from them to my Paypal account. On XXXX XX/XX/2021 in batches they sent into my Paypal first the amount of XXXX including the Payment of transfer the later in the afternoon they send again to my Paypal the amount of XXXX including the payment of transfer, in total I only got more or less XXXX and as expected it got higher that the projected amount l first mentioned. 
At that moment when l recieved the payment ... Paypal emailed me to explain my transaction ans send them my proof and l did. l even send them my XXXX lD, l also explained to them the transaction l did.. lt is actually the first time l made transaction with Paypal and my accout is new.. however l have a Paypal account before but XXXX already forgot the password fo l made new one ... The next day XXXX XX/XX/2021 They send me an email that my transaction in my Paypal will forever be limited and they will hold my money worth of XXXX for 180 days ... l try to reach out to them but maybe beacause of Pandemic it is quite difficult. They said that my transaction is suspecious but l provided them the screenshot of my transaction and my ID ... they are becoming unreasonable ... 
lt quite difficult nowadays and so l was trying to make some money online while on duty and yet this is what they done to me very disappointing ... 
l am hoping that through your agency the Paypal will be able to restore my account and be able to withraw my money very soon.. 
Thank You..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I mailed copies of the inquiries on my credit report asking to remove them. Someone is using my social security number. The credit bureau will not remove them. They put it back to me saying I'm responsible. I have been calling the credit bureau for 6 weeks, every other day. It's been longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX Wells Fargo Bank NA claimed in their final response that its affiliate appraiser XXXX XXXX whose license was revoked in XXXX, had a secondary appraiser support his fraudulent appraisal of my home. 

The address on the appraisal document was incorrect and never corrected and the homes the subject property was compared to was considerably larger. 

Wells Fargo requested that I allow them to " update the false information '' they repeatedly submitted to validate the current mortgage. I DO NOT AGREE to Wells Fargo request to alter or omit any more information from the loan origination documents it previously presented in its attempt to validate the current loan. 

Wells Fargo has committed mortgage fraud multiple times by knowingly submitting fraudulent documents with fabricated items over the course of 5 investigations in an XXXX attempt to validate the current mortgage loan which was the result of a misrepresented loan amount it knowingly purchased from XXXX XXXX A Division of XXXX XXXX XXXX in XXXX. 

Please note Wells Fargo omitted XXXX XXXX 's appraisal report in its latest revision of the loan origination documents submitted before the CFPB. Additionally, Wells Fargo never presented the second appraisal report that it mentioned. 

I am requesting Wells Fargo provide a copy of both appraisal reports before the CFPB. 

I am requesting Wells Fargo provide a notarized copy of the waiver it presented in its last response. 

I contend that without valid loan documents Wells Fargo is attempting to collect on a fraudulent mortgage loan. 



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 2021-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
Homebridge took my mortgage loan over in XX/XX/XXXX because I had done so good in 1st year on FHA loan and I received lower interest rate. 

XX/XX/XXXX Called Homebridge to request Forebearance XX/XX/XXXX logged into website on Homebridge to pay monthly loan and showed I owed XXXX and XXXX so I called CS  Rep said Forebearance done incorrectly so paid loan to XXXX and put me properly in Forebearance for XXXX XXXX XX/XX/XXXX Homebridge sent me letter saying they sent Credit Bureau incorrect info and they have fixed it and will take 30 days and apologies that credit was dinged when should not have been. ( attached ) XX/XX/XXXX Forebearance ended Loss Mitigation told me I was approved to pay XX/XX/XXXX at the end of loan, it was deferred. 
XX/XX/XXXX went to pay loan and logged into Homebridge and saw random bank account on my profile ( picture attached ) o Called Homebridge, CS  Rep said this was my fault, I hadnt logged in though since XX/XX/XXXX and at that time that account was not on profile, I tried to explain but agent would not listen to me and just kept repeating this was my fault. 
XX/XX/XXXX called Homebridge and made over the phone payment for XX/XX/XXXX XX/XX/XXXX called Homebridge again to pay XXXX. 
XX/XX/XXXX called Homebridge again to pay XXXX. 
XX/XX/XXXX set up online payment to pay XXXX and showed I didnt owe double mortgage payments XX/XX/XXXX sent info that Freedom Mortgage bought my loan XX/XX/XXXX XXXX XXXX  said to send XX/XX/XXXX and XX/XX/XXXX bank statements to show I paid XXXX and it was not sent back to my checking account XX/XX/XXXX called XXXX and still no answers and said to check back XX/XX/XXXX. 

The entire time I have asked to speak to supervisors and for help and have never heard from a supervisor and have never had anyone truly help me except to blame me for all of this and also being called a XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like to have these items removed because they are damaging my credit score, and they are fraudulent. I did not consent, authorize, or benefit from none of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach / identity theft. All is being investigated by the CFPB and FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over. I AM SEEKING LITIGATION, PLEASE DELETE AT ONCE asap. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo i haven't been able to login to my unkind account and tried to fix many homes there had been fraud since XXXX also XXXX XXXX my account has been hacked by someone v and had to get a new number abs my old number someone antsy has it on XXXX account which has only been s month so somebody b ported it over because i was trying to get it back and they told me it was c in someone else 's account XXXX XXXX tried to call them plenty of times but my calls get reroited and v can't get hold of then for b the months I've told XXXX XXXX but they have not done anything about but

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 2021-05-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
This is XXXX XXXX contacting you because of an issue with these credit reporting agencies. I contacted the companies on XX/XX/21 and also on XX/XX/21. I've been trying to fix these false issues and i'm being completely ignored. Nobody is trying to help me out and i keep getting either ignored or told to talk to someone else, but nobody is helping me address the issue. These issues are damaging my credit, hurting my reputation and causing me a lot of stress. Please help me get these accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: MO

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Please remove all fraudulent accounts as I have no know of any of these accounts due to the XXXX data breach / identity theft. All is being investigated by the CFPB and FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over. I AM SEEKING LITIGATION, PLEASE DELETE AT ONCE asap. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: OH

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

Company response to consumer: Closed with explanation