vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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: TX

Complaint narrative:
PLEASE SEE ATTACHED THESE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX TO ENTER THE REQUIRED NOTICE OF DISPUTE INTO COMMENTS SECTION. 
DATE LAST ACTIVE DIFFERENT DATES AND YEARS AS WELL AS PROOF OF RE-AGING. 
CHARGE OFF ACTIVITY AFTER THE CLOSE DATE ( OR ( XXXX ) XXXX XXXX ( COLLECTION ) WITH BALANCE {$14000.00}. DATE LAST ACTIVE XX/XX/XXXX ( EXP  ) DATE LAST ACTIVE XX/XX/XXXX ( XXXX ) XXXX SHOWING DATE LAST ACTIVE XX/XX/XXXX ( EXP ) DATE LAST ACTIVE XX/XX/XXXX ONE BUREAU SHOWS YOU WERE PAID ON TIME BUT ANOTHER SHOWS YOU WERE 30 DAYS LATE THERE SHOULD NOT BE LATE PAYMENTS OR CHARGEOFFS ONCE THE ACCOUNT IS CLOSED. HOW DOES THAT MAKE SENSE?

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 2022-03-18 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: EGL US, LLC
State: TX

Complaint narrative:
PLEASE SEE ATTACHED THESE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX TO ENTER THE REQUIRED NOTICE OF DISPUTE INTO COMMENTS SECTION. 
DATE LAST ACTIVE DIFFERENT DATES AND YEARS AS WELL AS PROOF OF RE-AGING. 
CHARGE OFF ACTIVITY AFTER THE CLOSE DATE ( OR ( XXXX ) XXXX XXXX ( COLLECTION ) WITH BALANCE {$14000.00}. DATE LAST ACTIVE XX/XX/XXXX ( XXXX  ) DATE LAST ACTIVE XX/XX/XXXX ( XXXX ) XXXX SHOWING DATE LAST ACTIVE XX/XX/XXXX ( XXXX  ) DATE LAST ACTIVE XX/XX/XXXX ONE BUREAU SHOWS YOU WERE PAID ON TIME BUT ANOTHER SHOWS YOU WERE 30 DAYS LATE THERE SHOULD NOT BE LATE PAYMENTS OR CHARGEOFFS ONCE THE ACCOUNT IS CLOSED. HOW DOES THAT MAKE SENSE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank just arbitrarily reduced my balance to zero, despite having not even used the one card and never being in default. 

Never missed any payments. I also paid down large amounts on balance over several weeks. 

Had I know you would do that I would never had made those payments. 

Now I'm out of cash. This will also negative impact on my score.

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
By letter dated XX/XX/XXXX Wells Fargo Bank requested additional information regarding my credit card application because they were purportedly unable to confirm my identity. I am a US citizen with a real ID drivers license and a passport. I have lived at the same address for 35 years in Maine. I called the indicated phone number XXXX and the bank employee told me to mail in a copy of 1 ) my photo ID drivers license, 2 ) copy of a current electricity bill showing my name and address and 3 ) copy of a current water utility bill showing my name and address. I sent these copies by US mail on XX/XX/XXXX to Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX IA XXXX. By letter dated XX/XX/XXXX Wells Fargo indicated they had received my request to reevaluate my credit card application but denied the request because my " identity can't be verified. ''

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/2022 TO : Consumer financial protection board ( cfpb ) RE : Credit card theft by XXXX account registered under email address I am lodging a formal compliant of credit card theft against the payment system XXXX, aided and abetted by Discover card. 

I have accounts with both companies. I have the XXXX account ( under email address ) purely for an occasional convenience and rarely use it. But XXXX on about XXXX stole a credit card authorization on a Discover card I own. Prior to XXXX, I had received a couple of email notices from XXXX that a Discover card on my XXXX account was about to expire and that I should update the card which is all that the notices said. I ignored the notices as I wanted to let the card expire after which XXXX would no longer be authorized to use it. I never received a notice from XXXX detailing any consequences or actions the company would take if I allowed the card to expire. I NEVER AUTHORIZED A RENEWAL OF THIS CARD FOR THE XXXX ACCOUNT. Nonetheless, I received an email from XXXX on XXXX notifying me that it went behind my back with no authorization from me and updated this card to renew it. The XXXX notice is attached. 

Credit cards have expiration dates because payment agreements by customers are NOT perpetual with any vendors or payment systems. Customers carry the legal obligations of debts and by that they have full and total authority over any and all authorizations of credit with vendors or payment systems. 

NO XXXX  actions can not be legal. When someone dies or is incapacitated or just no longer wants a previous payment arrangement, they have a right to have a financial charging agreement die with the expiration dates. Their cards can not be endlessly renewed and/or charged by a vendor of any type. 

I do plan to completely terminate my account with XXXX. But if I do that before this theft complaint is investigated, XXXX could claim that I never had an account. This is a HORRIBLE, NIGHTMARE company that makes customer complaints disappear and preys on consumers. 

Respectfully submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX I deposited a check for $ XXXX from XXXX XXXX XXXX into my TRUIST checking account ending in XXXX. I received a receipt from TRUIST with a notice of hold as follows : {$5300.00} held with an availability of XX/XX/XXXX. I only saw two large debits that were unrecognizable to me since I had not made such transactions. I did not do a screen shot, but I called TRUIST. I was on hold for over XXXX hours and the call dropped. I called again and was on hold for over an hour and was dropped. When I checked my account again later that day the transactions were gone. I still had not received the release of XXXX I tried to contact TRUIST for two more days and the long holds and being dropped continued. On, or about XXXX XXXX I notice an increase in my account but no indication was in the ledger showing the amount electronically deposited. 

I visited a local TRUIST branch on XXXX or XXXX XXXX and discovered that {$5500.00} had been deposited and could only be seen by the bank. It still had not registered in my online account ledger. We realized that it was {$220.00} short of the full {$5300.00} held amount. I was informed that it must have been deposited on XXXX XXXX. But we could not find it in the system or on my online account. I can not account for {$220.00} added into my account. 

The receipt also stated that on XX/XX/XXXX, I would receive from hold {$8400.00} which would be the remaining amount held from the $ XXXX. on XXXX XX/XX/XXXX I only received {$8000.00} and when I called TRUIST the technician could not assist me because she could not find in the system the whereabouts of the {$47000.00} that did not carry over from hold. 

I am still attempting to reach some one in my local branch without success. I am missing a total sum of {$700.00} that did not, and can not be found in the TRUIST system owed to me from when they held the initial $ 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 2022-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MT

Complaint narrative:
I PUT MYSELF INTO A DEFERRMENT BACK IN XXXX WHEN COVID HIT. IT TOOK MY FIRST 3 MONTHS AND THEN ASKED TO BE REMOVED FROM DEFERMENT. THEY KEPT TELLING ME NO. MY ONLY OPTION WAS TO PAY THE {$XXXX} DUE ( WHICH I DID NOT HAVE ) OR ASK FOR ANOTHER DEFERRMENT. THIS KEPT HAPPENING UNTIL THE PAYMENT DUE WAS {$XXXX}. AT THIS TIME THEY FINALLY FINALLY APPROVED MY COMING OUT OF DEFERMENT AND TOLD ME THAT I NEEDED TO MAKE 3 TRIAL PAYMENTS AND SIGN/NOTARIZE DOCUMENTATION. I DID THIS. MY 3RD PAYMENT WAS DUE XX/XX/XXXX. AT THIS TIME THEY TOLD ME THAT I NEEDED TO SIGN/NOTARIZE ANOTHER SET OF DOCUMENTS. AS OF NOW, XX/XX/XXXX, THIS DOCUMENTATION HAS NEVER COME. I WAITED 3 WEEKS FOR AN APPOINTMENT WITH A RELATIONSHIP MANAGER ON XXXX AND TOLD HIM THAT I NEVER GOT MORE DOCUMENTATION. HE TOLD ME IT'S OK- I DON'T NEED TO SIGN MORE DOCUMENTATION AND IT WOULD BE FINALIZED NEXT WEEK ( WHICH IS THIS WEEK ) AND TO CALL. I'M ON THE PHONE WITH THEM NOW AND THEY'RE SAYING THAT MY MODIFACATION IS NOW DENIED BECAUSE i DIDN'T SEND BACK THE PAPERWORK ( THAT NEVER CAME ). THEY HAVE ALSO MADE IT NEAR IMPOSSIBLE TO MAKE MY PAYMENTS NOW - THEY HAVE TO BE SPECIFICALLY MAILED. I'M NOT IN DANGER OF HAVING AN 18 MONTH LATE PAYMNT ON MY CREDIT REPORT. PLEASE HELP.

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 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: WV

Complaint narrative:
I received a copy of my credit report and am disputing an item. 
Eastern Account System claim that I owe {$1500.00} for an electric bill. This was placed on my credit report in XX/XX/2021. A debt validation letter was sent to the company twice with no response. The credit bureaus were notified of the no response and XXXX and XXXX have removed the debt. XXXX sent notification that the debt is valid, but there has been no response from Eastern Accounts. The electric company is from NY, but I have lived in another state for over 10 years now. I would like this rectified as it has really dropped my credit score that I have worked so hard to maintain.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Please have a representative contact the undersigned customer to resolve an ongoing issue regarding credit reporting on a closed Wells Fargo Credit Card. As a result, Wells Fargo is currently reporting incorrect information on my credit report to all XXXX Credit Reporting Agencies. 

It is necessary to discuss the issue, as the previous investigation into the matter was done incorrectly, provided irrelevant information by the representative and did not resolve the matter. 

Account # XXXX - XXXX - XXXX - XXXX Thank You. 
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 explanation
Consumer complaint received 2022-03-18 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: PA

Complaint narrative:
Received a XXXX XXXXXXXX XXXX credit card in the mail for an amount {$6000.00}. I notified XXXX XXXXXXXX XXXX I did not request this and they did close it. But when I asked to have removed from my credit report they refused. I did advise them that I have a Fraud alert and a credit Freeze on all XXXX credit Bureau 's. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. As the original creditor and executor I never granted any specific company the right to contact me and they did so continuously use abusive practices. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privac Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 explanation
Consumer complaint received 2022-03-18 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: IN

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. As the original creditor and executor I never granted any specific company the right to contact me and they did so continuously use abusive practices. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privac Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2022-03-18 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: SC

Complaint narrative:
Experian, XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian I received my credit report XX/XX/XXXX and found that it has an inaccurate item reporting on my credit report. There are only two addresses listed on my credit report. The address below is not. 

XXXX XXXX XXXX  NC XXXX Address ID # XXXX The address for XXXX XXXX XXXX NC XXXX is ID # XXXX. The address is NOT listed on my credit report. What address is that? 

A copy of my Experian credit report is attached to this letter as proof. 

Please update or delete this item from my credit report. 

XX/XX/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 2022-03-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-18 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: AL

Complaint narrative:
I am writing to you to report on the negative accounts that are wrongly placed under my name. These accounts are unverified and are looking suspicious. I have tried informing the bureaus about them but they did not act on my letter of complaints.

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 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BOEING EMPLOYEES' CREDIT UNION
State: OR

Complaint narrative:
I received an email congratulating me on opening my new checking and savings accounts for BECU. I never opened an account there and do not live in that state. 
this account was also opened under a false last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
BSI Financial was sold my mortgage by XXXX XXXX loans in XX/XX/2021. As part of this, BSI took over paying my home insurance policy from my escrow. They failed to do so. 

When it came time to pay the home insurance, BSI mailed the check to an address ( XXXX XXXX XXXX, XXXX Florida, XXXX ) that is not associated with the home insurance company that provides my home insurance. I received no explanation why or how this happened. When I discovered this, right as my home insurance was about to be cancelled for non-payment, I had to spend 6 hours across 4 different days trying to get BSI to cancel the original check, issue a new one, and then contact my home insurance provider with the new information to resolve. 

Upon being escalated to management ( XXXX ) on the day prior to having my insurance cancelled, management confirmed to me that they will personally contact my home insurance company with the check information upon it being issues to stop the insurance policy from being cancelled. XXXX called me the next day to confirm that this happened, however, my home insurance was STILL cancelled, and when I called them to understand what happened, the Home Insurance company has NO record of any call from BSI financial around this topic. I had to once again work directly with XXXX XXXX XXXX to address this situation, and had to work to have it renew. 

tl XXXX XXXX XXXX When it comes time for BSI to pay for your home insurance, please call them to verify what address they sent it too, as it may not be the address of your home insurance company. Also, please do not trust their support/management around any actions they claim they will do on your behalf.

Company response to consumer: Closed with explanation