vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This will be my last time filing a complaint with Wells Fargo on CFPB. I am under the impression of Wells Fargo 0 % liability for fraud purchases. I completed the steps needed in order to guarantee my {$2000.00} back. I have offered to provide my own evidence to show that I did not make not those charges, and waited to be contacted about the case. No one ever contacted me until 10 days later to tell me my claim was denied. Even though, I was told a representative from Wells Fargo would contact me for more information regarding the claim. I have asked multiple times for valid proof that the charges from my claim were not fraudulent, but you all have yet to do this. I have asked multiple times, through phone, email, and this here company. So, I dont understand how a thorough investigation was completed without the help of myself or any substantial evidence being located by the bank. I have documented every encounter and included the companys response to every single one of the encounters. If you all know for a fact that the charges werent fraudulent, then it should be absolutely no reason why you all can not provide that evidence. I understand you all profile certain customers, and Im sure if I were a XXXX XXXX, this would have been handled much differently. I have been patient, and I have tried every possible route to receive my money. If, I do not receive my {$2000.00}, I will be filing a lawsuit for {$10000.00} since in Texas, that will allow me to bypass state/federal court. With all of the very recent multi-million dollar lawsuits against Wells Fargo, including fraud, scandal, overcharging of customers, and more, it only provides more backing for my lawsuit. Whomever is receiving this case, can email me and I will happily send over a copy of the lawsuit. This will be my last time contacting Wells Fargo, as I now have all of the evidence needed for a case to be brought against this bank.

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 2021-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rock Creek Capital, LLC
State: WA

Complaint narrative:
In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX, that was originally leased through XXXX XXXX XXXX, later sold to a company named XXXX, the vehicle was returned to XXXX  with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or Rock Creek capital LLC I was notified by XXXX  on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by Rock Creek Capital , LLC ; I verified my account in good standing before closing the account is XXXX XXXX ; I verified my account in good standing after closing the account is XXXX XXXX, I have never been contacted in any way by XXXX XXXX since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/XXXX. I mailed a demand letter which was received on XX/XX/XXXX I received a response from XXXX  dates XX/XX/XXXX, which complies with 15 U.S.C.1692g, and includes the name and address of the original creditor, Rock Creek capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Texas XXXX ), the amount they are alleging in collections is {$3800.00}. 

Further, Rock Creek capital LLC ( https : //www.rockcreekcapitalllc.com/, XXXX XXXX or XXXX ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two.

So the debt collection agency, XXXX, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX and XXXX is now out of business and unable to be contacted and you can no longer access any of their customer accounts, and I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by XXXX. I have records of all the communication, all of the transactions from the original lease, all of the communications between me and the debt collector have been written and recorded. 

So, I am asking to file this complaint against XXXX  who I believe is representing either a company or a debt or both falsely, or that they simply do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: SC

Complaint narrative:
I do not have a XXXX account and I have called XXXX and they do not have any open account past or previous in my name so how Experian is showing its accurate is not true because I have called every number to resolve and they do not have an account in my name period. I also need whatever Consumer Alert removed from my file because my It is affecting my husband and I getting a loan. I never placed a consumer alert on my file and I want it removed. 
Thank You. 
This complaint is for Experian Credit Bureau Agency.

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 2021-11-19 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: IN

Complaint narrative:
XXXX XXXX XXXX an affiliate of XXXX, has violated bankrutpcy laws by reporting a balance on our credit that was paid through bankruptcy and any other amounts were discharged. Additionally, the lender released the lien due to being paid through the bankruptcy. I am filing suit against 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 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I Contacted the company and informed them that it didn't belong to me. I was informed to do a dispute with their fraud dept. Nothing was done. I waited for a response and didn't receive one only for me to be told that a police report would be need but the time has past and there is nothing I can do for this. The account in question was placed In my credit more than 3 times which brought my credit down over by 70pts. I dispute the item with the credit bureau which it was removed with supported documents then only for Navy Federal Credit Union to state I made a payment of which I never did. I have no access to my checking account which I believe my account has been froze.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau 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 accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$97.00} XXXX XXXX Balance Owed : {$25000.00} Date Opened : XX/XX/2020 XXXX  XXXX Owed : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened an online account with chase bank and deposited 2 checks same day on XXXX XXXX. Since then, my account has been blocked by chase bank. When I contacted the bank i was told that the bank could not verify the checks with issuer, so they blocked my account. Since then, I contacted them several times, been to local chase branch and even posted a complaint on this forum, but to no avail. As Chase bank could not verify the checks with my employer, I am providing here are the contact # for my employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payroll dept ; XXXX XXXX XXXX and XXXX XXXX XXXX, HR dept ; XXXX XXXX XXXX and XXXX XXXX XXXX. Anyone can call and verify it. Can you please look into this issue, I would greatly appreciate it. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
did a wire transfer from Bank of America XXXX to XXXX XXXX. XXXX. 
its been two weeks and recipient still does not have the money credited to their account. 
Contacted Bank of America Wireroom to track it. it turns out the funds were held up for a week at an intermediate bank, XXXX finally released to XXXX. I contacted Bank of America Disputes department an asked for the transaction to be cancelled. He told me once the money reaches the other bank, they can only request the money back, and that doesn't always work. it's unbelievable that these banks can do this with my money and I basically have no recourse

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 2021-11-19 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/XXXX )

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 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
On the XXXX XXXX I mailed in a payment to comenirty bank for XXXX XXXX dollars and then on the XXXX of XXXX I made another payment of XXXX to pay off the credit card. That was not credit to my card untill. XXXX XXXX before the due date of XXXX XXXX now the bank have add a finance charge of XXXX for the month of XXXX. Because I decided to pay off the credit card. Before the due date.the bank is comenity bank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was denied an extension of credit through XXXX XXXX XXXX  on XX/XX/2021 due to Experian furnishing inaccurate information on my report that was later deleted. the inquiry that XXXX mentioned in their letter of denial was because of a company called XXXX which you will see in the documents uploaded. Also after reviewing my most recent credit report that was sent out to me, I discovered even more inaccuracies not to mention i noticed XXXX XXXX showed up a few times and i never reached out to them for any credit purposes, so why are they accessing my information? Everything that was deleted ranged from names, addresses, phone numbers and hard and soft inquiries. 

This made me feel cheated because these companies are supposed to make sure we dont experience these things and then this happens. I suffered so much as a result of this from being denied credit making it seem like I have a bad reputation and not responsible. This caused me sooooooo much XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX amongst other things when i learned what Experian has willfully allowed to be put on my report despite the fact that it didn't even belong to me and was later removed after reaching and speaking to both of these companies. 

No one should ever have to suffer the way I did being a consumer and natural person, how am i supposed to trust these companies after this? I also want to point out these agencies giving miscellaneous companies access to my personal consumer report with out my express and written consent. Not only did they gain access illegally there wasn't even a permissible purpose for the access as these agencies always tend to point out when speaking with them.

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 2021-11-19 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: KS

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending multiple requests, I have not received any response up to this date. The inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my credit report : XXXX XXXXXXXX XXXX****Balance : {$2400.00} ; XXXX XXXXXXXXBalance : {$44000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Someone opened chase credit card, saving and checking account with chase Bank using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau 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 incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citi credit card arrived in my name and address earlier this week. Today ( XXXX XXXX XXXX  ) I received two identical letters, appearing to be from Citi, asking me to call ( XXXX ) XXXX for a fraud investigation. Recorded voice asked me to enter my card number first, which I did. Connected me with an operator who asked for my Social Security number, I refused and asked for more information. He ended the call

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 2021-11-19 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: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with FORD MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there were XXXX days late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of XXXX days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
my name is XXXX XXXX XXXX XXXX XXXX adress XXXX XXXX XXXX XXXX ny XXXX 2 years ago I opened an account with the robin hood application. For several times my shares were increasing the figure, one morning in XXXX of the year 2021 8 month ago I got up when I opened my Robin Hood account I observed that I have XXXX extra dollars in my account, actually I thought that my shares had increased the value of the cost, because not having much experience with the application, I never looked at where that money could have come from, being in my account I get XXXX dollars the same day hours later I receive an email saying that my account is deactivated because a The deposit was put in my account with the name of another person which I don't really know what happened, then robin hood asks me for information about me such as my social, state id, selfie of my self, etc. I send him all the documents they asked for after being sent All the required documents tell me that my account will be closed by law of the robin hood corporation.. I accept that they close it with the reason that they deserve my money which I had earned more than XXXX dollars. Today I still wait for my deposit which I lost several thousand dollars, my current amount right now is XXXX dollars and I lost XXXX dollars because they do not want to return the money. for the last 2 months and received several emails from robin hood where they say that my money will be deposited in 3-5 business days which has passed several weeks and they do not deposit me they are playing with my winnings and my feelings.. I have all the necessary proof to show that robin hood is playing with me i with my winnings...

Company response to consumer: Closed with explanation