vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
IRS gave money to a person who had no business having it! XXXX dollars to a bank account that was in my or not! For a business I never had! And then I went into my credit report and found that I have a address on my credit report that I never lived! XXXX XXXX?? What??? All my addresses have been in XXXX Except for when I lived in XXXX and XXXX XXXX. In late XXXX and early XXXX. I'm sick to know that someone can do this and not be flagged!! And that money was sent to a bank account that I don't have any clue of what and where! Im sick because it's been affecting my mental health and my finances! Because social security thinks I'm not XXXX! So I'm being audited and doctors contacted medical records pulled! And they suspended my benefits! Until they were able to talk to me! To confirm that I am still XXXX! And the way the representative was talking to me! Made me feel like a criminal! The first thing she said was XXXX you called because your benefits were turned off! I told her that I had not called, that I walked in to the office! That I had been sick! And I couldn't deal with that because my health was so much more important! That's the second time in the last month that a Government employee was rude to me! 
I got a call from the Department of Social Services to renew my food stamps after going to being off for three months. I did everything they asked me to do and they turned me off. Oh XXXX and one of the employees noticed that when I came in there, he said that I had put it in the wrong portal. It was in there he saw it he said so I sent it so they should be able to just you know, turn my food stamps on without a problem, but the lady said no! And it wasn't even my fault! So I asked her if I have to reapply? And she said yeah no I said, so how was that process going to go? How long would it take and she said I would have to sit in there for three hours after being in there for two hours already!!!!! I said I can't do this, and she can look on the computer and tell that I am sickly! And it was no fault of mine!!! People just don't any compassion for the fellow man these days and it's crazy!!! everyone so cold!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have not gave authorization for the accounts that are listed below. Please investigate and provide proof with statements showing that I authorized these inquiries. If proof can't be provided I demand these INQUIRIES BE DELETED. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells fargo autopay did not activate on a month. This caused my credit limit to be above limit the next month. 

The case number is Wells Fargo case number : XXXX. The bank can not give me a good answer as to why this occurred. The bank also did not notify me when my credit limit was exceeded or that the autopay would not fire. I am simply reporting as I am worried there is a systemic banking error in their code as other issues have occurred with this bank in the news.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I wrote to this company and let them know that I was XXXX  and that these debts were identity theft on XX/XX/2023. I sent this letter again on XX/XX/2023 certified to them after 30 days, and now it has been 2 times I have sent the letter attached and no response. 

this time I have drafted an intended lawsuit as this company is ignoring my rights under the FCRA I also sent them the dates I was incarcerated and tried to differentiate between my name which is XXXX XXXX XXXX and my father who is XXXX XXXX XXXX. 

While trying to fix this myself I found out a company purchased my info and had been using it for years since the XXXX XXXX XXXX. 

So I am complaining because I have given the double mount of time that the law requires.

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 2023-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
ON XX/XX/XXXX I ATTEMPTED TO SEND A DOMESTIC WIRE TRANSFER TO MY BUSINESS CHECKING ACCOUNT WITH FIFTH THIRD BANK FROM MY CAPITAL ONE SAVINGS ACCOUNT ( NOW CLOSED *6067 ). I WAS TOLD BY CAPITAL ONE THE TRANSFER WAS REVERSED BECAUSE THE ACCOUNT THE MONEY WAS BEING TRANSFERED RO WAS EITHER CLOSED OR WRONG ACCOUNT NUMBER WAS PROVIDED. I SPOKE WITH FIFTH THIRD BANK THAT DAY THEY STATED THEY DID NOT REJECT THE TRANSFER. THE ACCOUNT NUMBER WAS CORRECT AND THE WIRE TRANSFER NUMBER WAS CORRECT. ULTIMATELY, THE TRANSFER WAS REJECTED AND MONEY WAS RETURNED. CAPITAL ONE SAYS IT WAS FIFTH THIRD, FIFTH THIRD SAYS THATS NOT TRUE. THE FUNDS WERE REFUNDED, BUT I WAS CHARGED A {$30.00} WIRE CONVENIENCE FEE. I REQUESTED AN OPPURTUNITY TO HAVE INVESTIGATION FORM COMPLETED TO SEE WHY WAS THE TRANSFER REJECTED. I WAS TOLD THIS IS ONLY AN OPTION WHEN FUNDS GO MISSING, WHICH WAS NOT THE CASE FOR ME. I REQUESTED A RECEIPT AND WAS TOLD I WOULD HEAR BACK AND RECEIVE THE RECEIPT FROM CAPITAL ONE WITHIN 3-5 BUSINESS DAYS. THEY KNOW HOW TO GET IN TUCH WITH ME VERY QUICKLY. I WOULD LIKE TO EXPECT THE SAME URGENCY WHEN I REQUEST OFFICIAL DOCUMENTATION. I HAVE NOT RECEIVED THE RECEIPT AND WAS CHARGED A CONVENIENCE FEE FOR A TRANSACTION THAT DID NOT OCCUR AND NOT TO ANY FAULT OF MY OWN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
AFFIDAVIT OF TRUTH AND FACTS I diplomat ; XXXX XXXX XXXX XXXX do not go by any A.k.a. names. I do not buy or purchase nor request funds or credit extensions or such the like in any other names and all listed by Equifax if inaccurate and false. I have mailed a copy of the requested information thereto Equifax Inc. and they have continued to report inaccurate and false fraudulent information that does not concern me nor my history as a XXXX  XXXX  XXXX  nor as a consumer. I do not use my name in all capital letters and nor am I XXXX XXXX XXXX that is an LLC Estate Trust and im the beneficiary of said irrevocable trust. XXXX ; XXXX XXXX XXXX XXXX. I am not involved in any student loan payments have never made any payments thereto the alleged information being reported by Equifax Inc, .. claiming I am making payments or paid as agreed. This information thereto such or said student loans and or multiple student loans claiming pay as agreed using addresses that are not on my personal and private identity cards statements and documents. Equifax is the only consumer reporting agency reporting inaccurate information as to my credit consumer reports and are 100 % inaccurate. 

I do not have any Also Known as Names this is being reported presumptuously by a law firm located near Equifax Inc, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed claims against this law firm and those whom they claim to represent and have won multiple claims with writ of executions being collected. This information is simply a retaliation attempt and I am interested in seeing the actual documents they will respond with as Equifax Inc, as they have slandered my good name and credibility. I have not relationships with any creditors they have listed in their system nor do I have said addresses they claim I live at. 

My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX I also have the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am a XXXX  XXXX XXXX I am not a XXXX XXXX  XXXX nor am I XXXX. This is also mentioned by the reports as my title nobility and appellation only ties me to my indigenous heritage as an XXXX XXXX XXXX XXXX and nothing more nor less. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are not allowed to share my private information with anyone especially those involved in legal matters without my consent or knowledge as well you are not to speak nor share my private information addresses and location as well credit numbers without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was opened fraudulently and not by me. This is a violation of my rights as a consumer. It has been sent to XXXX and Texas State Attorney General for the violations committed. I have not authorized for these alleged accounts to be added to my consumer report. 5 U.S.C. 552a ( b ) - THE PRIVACY ACT OF 1974 In accordance with the requirements of the Privacy Act of 1974, as amended, 5 U.S.C. 552a, the Securities and Exchange Commission gives notice of the amendment of its system of records for Enforcement Files ( SEC-42 ) to clarify its routine uses with respect to disclosures related to the collection of amounts ordered to be paid in civil and administrative proceedings, to incorporate a statement regarding disclosure to consumer credit reporting agencies, to update statutory and regulatory references in certain routine uses, to update addresses of system administrators, and to identify exemptions from disclosure that have been claimed for this system of records under the Privacy Act. There is no 3rd Party involved.

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 2023-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXX XXXX I do not have a contract with Enhanced Recovery. They did not provide me with the original contract or signatures. I demand this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The consumer reported on my XXXX and experian report from XXXX XXXX The property is XXXX XXXX. Not only did I live at XXXX XXXX XXXX  address at the same time it was reported. The rent recovery company has a different social security number from the one that I have. This was clearly identity theft and not mine. XXXX is still reporting it without removing it off of my 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 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
When I refinanced my home in XXXX, I requested that I be responsible for paying my flood insurance because I was uncomfortable with leaving it to them. I was told no. That the mortage company was to manage the payment out of the escrow. For the year of XXXX, my monthly payment actually went up because my escrow increased. In XX/XX/XXXX, I received an email from my insurance company ( who I have been with for 10 years ) and they notified me as a courtesy that my flood insurance was canceled in XXXX and that the recent payment they received was going to be returned. When I called the mortgage company, they had no record of me NOT haveing flood insurance and did not seem to know that it was canceled. The CSR 's response was to immediately tell me I'm out of compliance and that I have to pay for the last year as well as this one. I asked for a supervisor and she refused to the point I had to hang up and call again. I asked for a supervisor again. After the 3rd time of just being told the only solution was for me to pay, I began sending emails through their website. I asked for a Senior Director to contact me to explain what happened. I talked with my own home insurance company and their records indicate that the reason the policy was dropped was that they did not receive the payment in time. I did not get a supervisor until I requested twice. When she called I asked : why did they not pay on time? Why was I not notified that the policy was dropped? Who was responsible for the negligance? And what happened to the funds that I did pay in escrow that were supposed to go to the flood insurance because I did not receive an overage check. As she looked at the notes, she read that the payment was sent in XXXX but returned to the company in XXXX and no one followed up or addressed it after that. Again I asked where was that money? She said that she would look into it and get back to me within 3-4 days. I never heard back from her. I have emailed requesting that she call back and I get emails from lower level staff telling me that I have to pay for the missing year and sending me highlighted copies of my mortgage agreement. I have paid for this year ( XXXX ) but I should not have to pay for their mistake ... especially since they dropped the ball, did not notify me, kept the funds and have caused me to have a higher bill going forward. they keep ignoring my request to speak to upper management. At this point I wonder if I need a lawyer. They are admitting no responsiblity in the error and are trying to make me pay for their mistake.

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 2023-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
I'm a victim of anti theft, I do have a fraud alert at my Credit Report and is freeze because all the awful things people are doing to my credit. Even stolen money from my bank account. I did a Police Report explaining all about what happened to me with proofs. I also contact the Company from XXXX XXXX and I did send a copy of my Police Report and also spoke with an employee from the fraud division, this account was never ever mine, they do remove it from my credit and now is back again on it for God sakes. I'm a woman of XXXX XXXX XXXX and XXXX. I lost once my id 's and because of this, I'm having a lot of problems or accounts that dont belongs to me, people are doing a lot to my credit, this is one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All credit agencies Wrong address

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 2023-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was discriminated against by the customer service because I didn't understand English very well and said my cousin was my uncle. She closed my bank account and I haven't received any money from my bank. I tried to call her several times but she fooled me and didn't really help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The statement didn't come in the mail, so I looked up my account and made what I thought was min payment plus some. I was waiting on statement I'm prevented from seeing my statement online since I get them in mail. Since I didn't receive my statement I made payment since every month I make payments. They charged me a XXXX dollar late fee and I didn't know it was due? I look online and always pay what I think is min payment and more but still since I didn't receive my payment I looked online and it told me I had a min payment after the fact. I paid immediately and why I can't look my statement online because I get mail statements is wrong they should let me in immediately and let all see statements online they just are punishing us who want paper statements and in the process pocketing late fees?

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: NY

Complaint narrative:
previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, no proof was provided nor was the negative information in this account. This is inaccurate information bring reported every month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX I visited Macy 's regarding a furniture purchase. I left with a sample and business card. Two days later when I decided to make the purchase I called Macy 's credit card ser ice team to increase my credit limit for the expected value of the purchase, which was {$3000.00}. I then called the store to purchase over the phone. Store Macy 's XXXX XXXX XXXX XXXX Sales Colleague XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The limit requested was {$3000.00} this should be on a recorded line in addition to my call for the purchase. The transaction total was {$3000.00}, which I question for being over the limit. I was advised it was not a big deal. I specifically declined fabric protection and it was stated I could purchase at a later date. XXXX sent an email on XXXX and requested I approve the transaction, I stated yes. The delivery was scheduled for XX/XX/XXXX and she mailed the receipt. Shortly after the delivery I noticed a second email from Macy'sfrom an alternate email address with a higher transaction amount that had the fabric protection added for a total {$3300.00} ; consequently, putting me over my credit limit by 13 %, there was no request to increase my credit limit or red flag that the transaction was pushed through. The Store employee makes commission on this product and put my credit reporting in a negative situation for an over limit. Once the statement arrived on XX/XX/XXXX I called Macy 's to initiate a dispute and they advised it can take 2 cycles or 60 days. I called back on XXXX and requested the opportunity to provide email proof and rationale regarding my credit limit increase to support the dispute after nearly 2 hours on the phone I was advised they could not update the transaction. I also requested the opportunity to speak with management and I was transferred to a furniture credit associate XXXX, that was kind ; however unable to address my concern.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, no proof was provided nor was the negative information in this account. This is inaccurate information bring reported every month

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