vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to request for the removal of the erroneous information about my accounts that has been neglected by XXXX Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my TransUnion Credit File. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX ***** Opened XX/XX/XXXX Balance {$2600.00} XXXX ***** Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX  XXXX ***** Opened XX/XX/XXXX Balance {$12000.00} XXXX ***** Opened XX/XX/XXXX Balance {$3800.00}

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 2022-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: NY

Complaint narrative:
A woman messaged me on XXXX promising high yield investments with cryptocurrency. Her name was " XXXX '', XXXX number as ( XXXX ) XXXX. She seemed knowledgable and trustworthy because she spoke about her " daughter '' a lot. She had me click on a link she sent which was a platform called XXXX ( not an app, but instead a bookmarked website. ) Also had me download XXXX to do transaction in. Ultimately wire transferred about {$96000.00} total to XXXX XXXXXXXX XXXX, Limited Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank Name : East West Bank Bank Address : XXXX XXXX XXXX XXXX Floor XXXX XXXX, CA XXXX and XXXX XXXX Trading Limited Account Number XXXX XXXX XXXX  XXXX Bank Name : East West Bank Bank Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX As we watched our funds grow from cryptocurrency investing ( not sure if the funds actually grew and they just took all the money, or the bookmarked website where we traded and invested was just a fake one to make it look like we were making money ), I was ecstatic. But upon reading similar experiences from people in a XXXX thread, I realized this was all a scam and I was never going to see that money again. I attempted to withdraw my funds, but was met with incredible difficulty and eventually a fee of 10 %. I was never able to get any money 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 2022-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to Experian, XXXX, XXXX, and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to Experian but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$3000.00} on XX/XX/XXXX, which is incorrect.

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 2022-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
SCA collections has been attempting to collect a debt I do not owe. The number of accounts that they claim I owe have been decreasing over time. I have been successful in removing some accounts.

As they have claimed in past disputes 'I have 6 accounts. ' That is incorrect. I have a credit report from last year showing 7 accounts. and my most recent report shows 4. This is becoming very time consuming and I want to cut all ties with this company I never chose to do business 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 explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2022 Wells Fargo employees opened a XXXX account without my consent or any Security verification steps to verify that I was joining this program. XXXX. employees registered 1 fake account user XX/XX/XXXX at XXXX and at XXXX issued a {$1000.00} transfer of my cash funds to this bogus name. I was contacted immediately by XXXX. security and asked if I intitiated this action. I reported this as fraud immediately, and asked for account to be closed/locked. They continued to register 3 more bogus names XX/XX/XXXX and pre-approved them also. I begged for them to stop ALL TRANSACTIONS ASAP and withdrew the rest of my available cash still left to continue with my medical treatment copays. I couldn't go to my appointment. Too short of cash. W.f employees remain Unhelpful/Condescending and refuse to investigate and assist me. IT'S been over 30 days on a 10 day investigation. They state they can open clients new accounts without their knowledge. Refusing to put in place any Standard Security Measures taken by XXXX XXXX  ... NO texted 6 digit security code to alert a Client of a NEW ACCOUNT with immediate approved withdrawal.. NO EMAIL CONFIRMATION of 16 pictures ( I am not a Robot ) NOR do they attempt to have a client answer SECURITY QUESTIONS to confirm identity of the REAL OWNER of the checking account. The XXXX XXXX Employees remain defiant. Rude. Unhelpful. Laughing at my problem. Please HELP other innocent victims of XXXX XXXX  OPENING accounts and stealing moneys. At least ( 2 ) of their own customer service employees state.. IT HAD TO BE AN INSIDE JOB FROM A XXXX EMPLOYEE. I NEED ABOUT {$3100.00} IN EXTRA RESTITUTION AS I HAVE HAD MANY COMPLICATIONS MISSING the XX/XX/XXXX XXXX appointment.

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 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Compliant involves TD Bank On Thur. XXXX XX/XX/2022, I received an unsolicited new account from TD Bank. I tried to call them to correct the issue, only to be held on line for more than 2 hours to discuss an issue with the fraud line. I was informed that my identity had been stolen and provided information to protect my identity. Today, I received another check account from TD bank with an entirely new account number. After the first account I froze all my credit reports. notified all creditors and followed all steps from the FTC fraud check list. I contacted TD Bank again-whom makes contacting them in the first place exceedingly and malignantly problematic, after an 1 hour waiting on hold I talked with " XXXX '' whom would not provide any other identifying information like an operator ID number to identify herself whom told me that the account was now blocked but would not provide any assistance. I asked that she flag my name and address in TD bank to prevent this, she refused. I asked her to check to see if any other accounts with my name/social or address had recently been opened she refused. I asked to speak to a supervisor, she refused. She advised me there was nothing I could do with TD bank to protect my identity. 

I am seeking recourse in the form of some documentation from TD bank that my identity is being actively protected by them as they are the only bank I am having issues with. I also am concerned that they will allow a person to open an account without having that person provide basic documents to ensure ID of new account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA

Complaint narrative:
I started refinance on 5 investment properties with Intercontinental Capital Group in XX/XX/2021. By the time I received closing disclosures, the fee exceeds the loan estimate by 2 % of the loan amount. Then they told me that they can not honor the original term for 3 of loans, but can still restart the other 3 loans. After a couple months, the new closing disclosures still have the extra fees. Then we reached a deal to cancel the refinance, but they promised to refund me all refinance costs that I already paid out of pocket. It's been over half year since then, and they still haven't refund the total refinance cost. In the past week, they even stopped responding to my email and text messages. 

I also did my main home refinance with them at the same time, and at closing disclosure they also tagged on 2 % extra fee, and I have to take an extra .25 % interest rate to remove these fees. Since the rate was still below my previous loan, I took the deal though in this instance, though it's not what they promised in the original loan estimate. 

Overall, I feel this company is very dishonest in their business practice, and is running a classic bait-and-switch business practice. I had a nightmare experience dealing with this company in the past year, as they keep breaking their promises and abuse customer trust. 

I worked in mortgage industry myself and can't believe with all the customer protection laws passed in the past 20 years, there is still such company doing business this way and dodging regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company ERC. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CORELOGIC INC
State: IL

Complaint narrative:
Credco is claiming that they are a part of CoreLogic for security freezes only, and they refuse to give a confirmation letter to confirm the security freeze took place, or was requested. 

Likewise XXXX claims that they are a part of XXXX for freezing accounts, baring no witness by refusing to provide verification that the XXXX part of the credit report is frozen.

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to request for the removal of the erroneous information about my accounts that has been neglected by TransUnion Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my TransUnion Credit File. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports :

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've contacted the creditors and the credit bureau in regards to fraudulent information on my credit report I've submitted not only valid police reports hand written letters and proof of my identity the item was eventually removed from my credit report on all three bureaus but I recently received credit monitoring alerts that the fraudulent account had been added back to my credit report without any notice from the credit bureaus that it was being added back after being removed for almost a year and now they're refusing to remove it again even with my police report and proof of me being a victim of identity theft the credit bureaus have also refused to remove all inaccurate information such as name, employment and addresses from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Ive had 37 separate unauthorized ach withdrawals equaling {$4300.00} from XXXX XXXX bank from my business checking account with Chase. I do not have an XXXX XXXX or any kind of account with this company. Ive called them several times only to get a total runaround. I have filed a report with XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC
State: VA

Complaint narrative:
Continue to receive phone calls from this company, even though I have taken the required steps to inform them that the number they are calling is not for the person they are attempting to contact. Some XXXX or XXXX XXXX had this number before I did. I have had this number for close to 4 years already.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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