vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have a Bank of America credit card with my company that has rewards of XXXX Bank of America said i closed this account before redeeming rewards so nothing they can do.. I never closed that account and can still long into it after fighting with them for a few years. it still shows the rewards i have but will not let me redeem. i have called again after ruling from CFPB for this fraudulent activity and bank says there is nothing they can do and even if there is a ruling it doesn't mean they will pay me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lenox Financial Mortgage Corporation
State: AZ

Complaint narrative:
XX/XX/XXXX, I applied for a mortgage with Lennox Mortgage Corp/ DBA WesLend Financial and they quoted me for XXXX year fixed at 4.875 % and then the closing cost fee went from {$1500.00} to XXXX on XX/XX/XXXX and went up again to {$3300.00} on XX/XX/XXXX. In the beginning of the loan process, they were trying to earn my business against another lender and each kept lowering their fees while keeping the rate where it is. But after a few weeks in the process they're jacking up their fees again. They've sent me redisclosures two times this month but won't give me an update of when we can close. I think they plan on jacking up the fees until I'm desperate enough to just sign before the next payment is due. This is not very honest lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
XXXX XXXX XXXX Fm XXXX XXXX XXXX, Tx XXXX XX/XX/2022 FNB Omaha Subject : Notice of Dispute - Reporting Inaccurate Information to Credit Report I am writing to formally dispute the inaccurate information being reported by FNB Omaha to my credit report. It has come to my attention that you are reporting an alleged debt in the amount of {$12000.00}, even though the said debt has been fully paid in accordance with the provisions outlined in the Federal Trade Commission 's regulations, specifically 16 CFR 433.1, 433.2, and 433.3.

Allow me to provide a brief overview of each of the regulations : 1. 16 CFR 433.1 : This regulation establishes the rights and obligations of both the debtor and the creditor concerning the repayment of a debt. It emphasizes fair debt collection practices and aims to ensure accurate reporting of debts.

2. 16 CFR 433.2 : This regulation governs the validation of debts and outlines the requirements for a creditor to provide proof of a debt upon request from the debtor. It is crucial in establishing the validity of the alleged debt.

3. 16 CFR 433.3 : This regulation pertains to the disputing of debts and specifies the procedures that must be followed when a debtor contests the validity or accuracy of a debt. It underscores the debtor 's right to challenge the debt and seek its removal from their credit report.

Considering the regulations, I assert that the debt in question, as outlined in the contract, has been fulfilled and paid in full. The promissory note associated with this debt is a negotiable instrument that clearly indicates my obligation has been satisfied.

Therefore, I kindly request that you rectify the reporting of this debt on my credit report immediately. Specifically, I request that my account be updated to reflect it as " Paid in Full '' and " Paid as Agreed. '' Accurate and fair reporting of credit information is essential to maintain the integrity and accuracy of credit reports.

I trust that you will conduct a thorough investigation into this matter and take the necessary steps to update my credit report accordingly. Failure to address this dispute within the statutory time frame may result in legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the correction made to my credit report within 30 days from the receipt of this notice. 

Sincerely, 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 2023-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of an identity theft, and for the past few years I have been trying to remove the fraudulent accounts from my credit report. I have contacted the bureaus and creditors to let them know that the accounts are not mine, the charges are not mine. I have no idea who and how these fraudulent accounts were opened. I am veteran of the XXXX XXXX and I am conforming that these 2 accounts were opened fraudulently, the charges are not mine, I did not authorize the accounts to be opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I send money on XX/XX/XXXX to a company called XXXX XXXX. The leader is XXXX XXXX. with office in XXXX and XXXX. I send XXXX which is the fee for his organization to find me partners to finance my projects in XXXX XXXX. Their time line of 12 month past on XX/XX/XXXX. I ask for the money to be reimburse and they promise to do that. 

WELLS FARGO BANK did not poste the Money {$3100.00} I made a claim om XX/XX/XXXX. Wells Fargo agents keep telling me that they are still working on my case until XXXX day XXXX Agent from Wells Fargo told me the XXXX XXXX  WHERE THE MONEY SAID THE COMPANY XXXX XXXX REFUSED TO REIMBURSE THE MONEY. 

I went to a local Branch to Complaint. I taked to XXXX XXXX Associate Personal Banker NMLS ID ; XXXX. XXXX, ARIZONA. 
XXXX XXXX call the Transfer Services of WELLS FARGO and they verified my Identity and ask XXXX XXXX if I was in person in her office? She said Yes. After that they told her to tell me that my case still open. 

Right the way I find out that there is a fraud taking place. XXXX XXXX told me the Transfer services want me to go home and they will write to me by email. Until today I did not received any email about my claim from Wells Fargo. I call XXXX XXXX and they telling her the same story. 

I am coming to you to complaint against Wells Fargo Bank to Reimburse my {$3100.00} in my Checking 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 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NV

Complaint narrative:
Received a call on XX/XX/XXXX from ERC debt collector. They said I owed {$2000.00} and the debt was from XXXX XXXX XXXX XXXX. The debt was from XX/XX/XXXX. This was the first I was hearing about it. I also called the XXXX XXXX XXXX fraud dept to report this and completed the forms. 
I let them know this was not my debt, the name on the debt was in my maiden name. 
Last year someone used an ID with my maiden name and opened a XXXX acct and a XXXX account as well. They attempted to open an account and purchase phones at XXXX in XXXX of XXXX, but because I am a XXXX customer they called me to see if I was in the store purchasing phones and I let them know I was not. They informed me someone was in the store using an NV driver 's license with my old name and also an old address of mine and my SSN. The DL number did not match however

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: AZ

Complaint narrative:
I am writing to formally dispute the validity of one collection account listed on my credit report, which were reported by XXXX XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts. 
If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: AZ

Complaint narrative:
I am writing to formally dispute the validity of one collection account listed on my credit report, which were reported by XXXX XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I hope this email finds you well. I am writing to address a matter regarding the debt associated with my account. After careful review and consideration, I have come to the conclusion that I am not responsible for this debt. 

As a diligent individual, I believe it is essential to have a clear understanding of the contractual obligations involved. However, despite my previous requests, I have not been provided with an original copy of the contract pertaining to this debt. 

To ensure a fair and equitable resolution, I kindly request that this is removed from my credit report. However, I want to emphasize that I have no knowledge of this company, nor have I ever engaged in any business or financial transactions with CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX XXXX I appreciate your prompt attention to this matter. Please note that until I receive the requested documentation, I maintain my position that I am not liable for the debt. I trust we can resolve this issue in a mutually beneficial manner. 




Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for the Wells Fargo " BILT '' credit card when I was offered XXXX interest charges for the first 6 months of use. I was approved and began using the card with the understanding that I had to use it at least five times each month in order to receive the " rewards points '' generated by my monthly rental payment. The first statement I received showed interest charges added. 

Upon calling Wells Fargo customer service, I was told that I " did not qualify for XXXX interest charges ''. I then protested that no mention was made of this upon my notice of approval. The charges were then reversed, as were subsequent charges. 

I then cancelled the account, but my credit rating was reduced by 30 or 40 points as a result of all this misrepresentation. It seems that Wells Fargo is up to their usual shenanigans once again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10 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: CA

Complaint narrative:
I have XXXX accounts that are in my name however these accounts are not mine I did not apply for 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 2023-07-10 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: CA

Complaint narrative:
I have XXXX accounts that are in my name however these accounts are not mine I did not apply for 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 non-monetary relief
Consumer complaint received 2023-07-10 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:
I have XXXX accounts that are in my name however these accounts are not mine I did not apply for these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within 30-45 days. This has notbeenthecase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: FL

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

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I provided on several occasions a police report and the inquiries are still there. I have a fraud alert and inquiries I dont recognize are on my credit report. I was told be transunion and XXXX  that they could not remove the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: MI

Complaint narrative:
I provided on several occasions a police report and the inquiries are still there. I have a fraud alert and inquiries I dont recognize are on my credit report. I was told be XXXX  and XXXX  that they could not remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
for reference id : XXXX i think i have paid XXXX before i closed the water account in water department of XXXX so i don't know why city of XXXX charge me same amount again

Company response to consumer: Closed with explanation