vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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: WA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX/XXXX  XXXX Balance : {$3.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Our wedding venue ( XXXX XXXX XXXX XXXX XXXX XXXX ) had sent us final payment information XX/XX/22 with wire transfer instructions for {$5100.00} to a Wells Fargo account. The Wells Fargo account name in the wire instructions was the venue 's name ( XXXX XXXX XXXX ) and the email was sent from the venue 's email address as a response to an existing email thread. We paid off our final balance via wire transfer to the Wells Fargo account as instructed by our venue and emailed the payment receipt also as instructed. In the following weeks, we received XXXX automated emails from our venue that our balance was overdue so we responded immediately to those emails with the receipts that we had sent previously and received response back from our venue that they can confirm with their accounting department regarding receipt of our payment. 

On XX/XX/22, we received phone call from our venue that their email account had actually been hacked and the wire transfer instructions were from the hacker thus the venue never actually received the money we transferred and money had been stolen by the hacker via the Wells Fargo Account. We immediately called our bank ( XXXX XXXX XXXX ) who stated they would investigate as well and we also filed a police report with our local XXXX XXXX Police Department. 

On XX/XX/22, the venue said they have been in contact with Wells Fargo and XXXX XXXX Police Department. The venue told us their insurance will not cover this case. We also called Wells Fargo on XX/XX/22 but were told that Wells Fargo would not help us. We were informed by our bank ( XXXX XXXX XXXX ) that they could not recover the money as the hacker/thief had already stolen the funds. Thus we are filing a claim regarding this theft that Wells Fargo was involved with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: TX

Complaint narrative:
EXPERIAN CREDIT BUREAU has reported an incorrect account as a collection without any proof or verifications because I HAVE NEVER had an account with XXXX. XXXX CAN NOT VERIFY MY PERSONAL INFORMATION, SIGNED AGREEMENTS, CREDIT CARD INFO FOR PAYMENTS. THIS ACCOUNT WAS PREVIOUSLY REMOVED FROM ALL 3 CREDIT BUREAUS FOR FALSIFICATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RCS Capital Partners, Inc.
State: NM

Complaint narrative:
RCS has been contacting me, my husband, and various members of my family AFTER we have told them multiple times that all communication is to be done via mail. XXXX XXXX is the one that is leaving threatening voicemails, yet XXXX ( something ) is the one who answers the phone when called back. XXXX is RUDE and extremely unprofessional, going so far as to hang up whenever he didn't like what we had to say, yelling at my mother, and cussing my brother out. I could barely get XXXX to answer me as to what company he represents, and he refused to transfer me to XXXX XXXX after calling back XXXX times. I wouldn't have known this was a debt collector, except he disclosed that he was attempting to collect a debt when my mother called them back ( illegal ), and never once told us that our calls were being recorded ( illegal ). He then threatens to sue me because I am now " harassing '' them when all I was trying to say was to stop contacting everyone and do everything via mail, but he would hang up on me before I could get it all out. I have recorded everything they have done, and every law under the FCRA that they have violated. This is not okay that companies are allowed to operate like this! They are harassing myself and my family and will not disclose anything as to why they are calling!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: GA

Complaint narrative:
15 USC 1602 ( p ) - Congress ensured that unauthorized use of a consumers information is a violation. Any violation is a civil liability paid to the consumer. You have deceived me, you have frauded me, and committed identity theft, you have caused pain and suffering. I, XXXX XXXX did not give written consent for the accounts in this complaint to be furnished on my consumer reports. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX  XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 

COLLECTION/CHARGE OFF REMOVAL Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best Regards, XXXX : XXXX-XXXX  Without Prejudice, All Natural Inalienable Rights Reserved Attached is my identification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: AL

Complaint narrative:
I closed on my home in XX/XX/XXXX. I was told at the closing table that I would receive my escrow refund within a month. I went online and got a form from Aimloan to change my address to ensure they got my new address. 

When over a month went by and I didn't get the refund, I called Aimloan. They said they had mailed the check to my old address. I had my mail forwarded, but for some reason it didn't get forwarded. I then asked them to change my address again, to ensure it would come to the right place. They told me they would send a check immediately. I never received a check. 

I called back several times. Once I got an agent and they told me their computers weren't working so they couldn't help me. Another time the agent told me they had my address wrong, so I had them change it again. In XX/XX/XXXX I called and was told a check would be sent to my correct address immediately. Finally I called again in XX/XX/XXXX because it still had not arrived. The agent told me I should not expect to receive the check before 60 days had passed. 

It is now XX/XX/XXXX and I still have not received my escrow refund. The law says 20 days. It has been 7 months. I have called no fewer than 6 times to resolve this. I have also mailed an address change form. All the agents I have spoken to have told me different things about where the money is and how long it should take to receive it. At this point, I think I am never going to receive it and further calls to Aimloan customer service aren't going to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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 — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
XXXX  SELF-REPORTED AFFIRM INC XX/XX/22 RE. We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX/XXXX  XXXX Balance : {$3.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: WA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX/XXXX XXXXXXXX Balance : {$3.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle with an extension of my consumer credit. At that time, I was not aware of Federal law, my rights as a consumer, or what " money '' is in general. Almost a year into the contract, I realized there are multiple violations in this contract with Capital One Auto Finance. Violations that would have never stuck out to me, if I didn't sit down and study, for months. 

On XX/XX/XXXX, a certified letter of my right to rescind the contract was delivered to Capital One, ( XXXX XXXX XXXX XXXX, TX XXXX ), as well as a copy of the contract with the violations I have found. 

VIOLATION 1. 15 USC 1692e- False or misleading representations VIOLATION 2. 15 USC 1635- Right of rescission as to certain transactions ( NEVER DISCLOSED TO ME ) VIOLATION 3. 17 CFR 260.11b-6- Definition of self-liquidating paper in section 311 ( b ) ( 6 ) VIOLATION 4. 15 USC 1605- Determination of finance charge VIOLATION 5. 12 CFR 360.6 ( 2 ) - Treatment of financial assets transferred in connection with a securitization or participation. 

VIOLATION 6. 15 USC 2- Monopolizing trade a felony ; penalty XXXX XXXX claimed I could n't drive off the lot/get approved unless I had a down-payment of {$10000.00} made out to them. Also, the contract buyer name and the name on the account for Capital One Auto Financing do not match up. My right to rescind the contract was not disclosed to me either. What am I supposed to pay when the law clearly states there is no money? And there is no way to " pay '' a debt? Only promises to pay? Gold and Silver is the only lawful money and that can't be used in Commerce. Why is there an additional interest in MY property that came from MY consumer account tied to the UNITED STATES? I'm aware this contract is a promissory note and has already been cashed, and God knows what else, traded 10 times already? This vehicle is already paid. I did not agree to a commercial contract either. This is not for buisness purposes. It is for personal, family, and or household use. All debt is the obligation of the United States. A total of {$14000.00} has been paid onto a piece of property that's already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: WA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$570.00} ; XX/XX/XXXX XXXX XXXX Balance : {$900.00} ;XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XXXX Balance : {$100.00} ; XX/XX/XXXX XXXX Balance : {$84.00} ; XXXX XXXX Balance : {$2300.00} ; XX/XX/XXXX( XXXX Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$2300.00} ; XX/XX/XXXX( Original Creditor : XXXX XXXX XX/XX/XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been trying to get this issue fixed from last 4 months. 
Citi bank replied back to me with misleading information. 

Almost a month ago, I filed a complaint, where I highlighted irregularity in handling my account. Citi bank closed my account and so far Citi bankhas failed to give me a validreason. 
Citi bank did send a response, stating that they close my account, because I had insufficient funds. But they send me a copy of a check which has insufficientfund but the name of the check is XXXX XXXX, where as my name is XXXX XXXX. ( Ref Page 2 ) I am also sending a letter from my bank, where it clearly states that Citi bankwithdrew $ XXXX from myaccount. ( Letter from XXXX ) Citi bank also send another letter, where they sent a copy of the check, where there is no name, it only says XXXX XXXX- which again is not my name. ( Ref Page 7 and Ref Page8 ) I would like to know : 1. Why my account was closed. The reason sent to me by Citi is not valid. 
2. Citi bank should return $ XXXX cashed from my account. 
XXXX. Accept the responsibility that it was Citi bank 's banking error and they shouldn't have closed my 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 2022-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
The Dentist and his assistant injured me and poisened me when they were doing the root canal on me and also failed to put the crown on correctly I disputed it with comenity Bank but they didn't care all they cared about is the fact that I authorized the work to be done and that it was a valid charge didn't care that I was injured and made very ill and faulty work was done on me bad service and faulty service mailpratice none of this mattered to them the dentist told them he would not agree to refund my account so he got away with injuring me and putting the crown on wrong causing further damage to the test of my teeth and jaw

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: IL

Complaint narrative:
Ive recently disputed with all 3 bureaus a bankruptcy that they are reporting on my credit report that should not be on there. All 3 bureaus have ignored my letters and have ignored any other questionnable accounts I've addressed as well after learning about the FCRA. 

XX/XX/XXXXBankruptcy REF : XXXX is showing on all of my reports and I have a letter from that court attached stating that they DO NOT REPORT that kind of information to credit bureaus. 

XXXX Account XXXX XXXX This violates 15 USC 1681 602A ( My right to privacy ) 15 USC 1681 604A Section 2 ( This furnisher was not given writted instructions or 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 explanation
Consumer complaint received 2022-06-02 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: WA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$84.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: WA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$570.00} ; XX/XX/XXXX XXXX XXXX Balance : {$900.00} ;XX/XX/XXXX XXXX Balance : {$0.00} ; GXX/XX/XXXX XXXX Balance : {$100.00} ; XX/XX/XXXX XXXX Balance : {$84.00} ; XXXX XXXX Balance : {$2300.00} ; XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$2300.00} ; XX/XX/XXXX ( Original Creditor : XXXX XXXX XX/XX/XXXX) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company response to consumer: Closed with explanation