vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a home mortgage through Wells Fargo, and I have opted-out of Wells Fargo sharing my information with affiliates and external parties. But I am receiving postal mail on a regular basis from mortgage companies to refinance my mortgage. This unsolicited mail is coming from multiple companies. The mail also is misleading, as it is designed to appear to be official and urgent correspondence from Wells Fargo. The latest company to do this is XXXX XXXX XXXX ( DBA of XXXX ). I can provide copies of this postal mail if helpful.

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 2021-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, reputation etc. 

I am aware the Bureau is in place to assist me in enforcing my right and to ensure that I am not taken advantage of as a consumer. 

On XX/XX/2021 Transunion LLC removed 6 Inquiries from my consumer report. The deletion was based on violations of the Fair Credit Reporting Act that I submitted to Transunion LLC in XXXX. When there are damages done, remedy is to follow pursuant to 15 USC 1681n for civil liability, which Transunion LLC is accountable for. Transunion LLC may be held criminally liable pursuant to 15 USC 1611 for harming my reputation with fraudulent and private information shared on my consumer report. 

I submitted a request for remedy and it was left unanswered. I have never given written consent to Transunion LLC to report about me as a consumer and through many phone conversations they have given me the run-around about removing fraud from my report. They claim to have done investigative reports but have not provided proof that interviews with my friends, family, or close associates have taken place pursuant to 15 USC 1681a ( e ). I was laughed off the phone when I mentioned this federal law.

I demanded the block and removal of the fraud that has taken place due to identity theft pursuant to 15 USC 1681c-2 ( a ). I have provided my US Passport, Social Security Credit Card ( 15 USC 1602 ( L ) ) and my XXXX bill to help identify myself according to federal law. 

All accounts and Inquires I listed on my Federal Trade Commission Identity theft report shall be removed, as it is my written instruction in my letter and this complaint through the bureau. 

Any account that has been " Investigated '' please attach any interviews that took place with my friends, family, or associates that would be able to validate the account, pursuant to 15 USC 1681a ( e ). The furnisher of the reports are not Original Creditors, I am. block and remove those accounts listed, they are fraud.

Transunion LLC is not a bureau, but an agency that congress called, " An elaborate mechanism '' that assumed a " grave responsibility. '' Now, on XX/XX/2021 I am conversing by way of the Bureau because I have tried numerous phone calls and letters to no avail, with TRANSUNION LLC.

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 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: AZ

Complaint narrative:
I opened a Kracken crypto account the end of XXXX XXXX and made buys for two weeks. I tried to make a buy in XXXX and they froze my account. II have been trying to close my account since then with dozens of Emails with their support team I could still not access my account. They kept saying security reasons. Now I received an Email from Kracken saying my problem was solved and my account was closed. I did NOT close my account and my {$2000.00}. did not go back to my bank. They seem to have stolen my money. Fraud or incompetence, one or the other. I even bought a cold wallet and they still denied access to my assets. This is not a good company..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I received a letter at the beginning of XXXX from mortgage company Loancare , LLC stating that I did not have flood insurance on my property. I do have flood insurance separate from my homeowner 's insurance. I uploaded Insurance documents on XX/XX/ to the portal and received email verification that they were received. 

On XXXX I was notified that my Escrow account had disbursed {$2700.00} for flood insurance purchased by the lender since I did not have my own. I uploaded coverage documents to the online portal on XX/XX/ and again received an email notification that the documents had been received. 

On XX/XX/ I contacted My Loan Care by telephone to follow up. After being placed on hold for over an hour and being transferred to several people I was told I needed to upload documents to prove coverage. I stated I had done this on XX/XX/ and XXXX The representative 's response was " sometimes it takes a few days '' so I should resubmit the documents and call back another day. I requested an email to submit the documents to since uploading them had been unsuccessful, despite my having received two separate emails confirming receipt. I again submitted the documents by email XXXX 

On XXXX I logged in to check the status. The information still had not been updated, nor the escrow disbursement reversed. I AGAIN uploaded the documents to XXXX on XXXX. Once again I received an email confirming the the documents were received. I plan to follow up by phone again next week, but given the history of poor communication, fraudulent escrow disbursement and lackadaisical attitude of employees this incident should be investigated.

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 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
From XXXX to XX/XX/2021, under undue influence from a guy I met on XXXX XXXX  app, I started using Kraken  ( Kraken.com ) to purchase Crypto currency to send to investment platform ( https : XXXX ). However, I later discovered that the investment website is scam because they kept coming up with excuses to asking me to pay for more taxes and fees while denying my withdrawal. I contacted Kraken to report being scam, and told Kraken customer support that I reported the incident to FBI, SEC, and FTC already. Kraken customer service immediately closed my account and gave me support ticket number XXXX. They won't allow me to access my account unless the police requested. Kraken has not done any investigation to protect customer and blamed customer 's fault for fraudulent transactions. 
The total amount of money I transfer from Kraken to scam investment platform is {$690000.00} XXXX. And yet they do not take any action to investigate.

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 2021-09-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I had an account with XXXX XXXX XXXX that's reflecting a 30 day late payment status on a account I have never been late. It also reflects the 30 day late payment status despite the account has been paid and closed for quite some time. The historical payment history does not reflect what month and year this alleged late payment took place so it makes it challenging to be more specific but I do know I was set up on auto payment for the account during the duration of the account. I wrote the credit bureau back on XX/XX/2021 and as of today I have not received any mail or electronic mail in regards to my dispute as a result I am writing a complaint with your company. To support my claim if you go on the XXXX XXXX XXXX website this company only has unanswered claims and does not have their contact information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/2021, I had consent to a complete background screening for employment. Only then was it brought to my attention that I had a multitude of debt and arrests I had absolutely no knowledge of. Due to a private domestic XXXX situation, 10 years ago, I went into hiding and refrained from anything that placed my information on public record. During this period I had not asked for any credit from anyone cause it placed my safety at risk. I immediately obtained legal counsel and began researching all of this fraudulent activity which began nearly 10 years ago. I filed an identity theft report with law enforcement and the Federal Trade Commission where I received instructions on the recovery process. A fraud alert was immediately placed on my account to prevent further theft and new fraud accounts. Also, all of the necessary documents needed to dispute these fraudulent accounts, were sent via certified mail to the credit bureaus. Under the Fair Credit Reporting Act 605B, the reporting agencies shall remove and block any information from a file that is a result of identity theft. The credit bureaus are alleging that National Credit Systems was informed of my documented report of identity theft but instead continue to report this debt as valid ignoring the proof in my documentation. I have never done business with this agency or any creditor affiliated. They do not have anything indicating that I authorized use of my identity to receive any services. I have never provided any forms of identification or signed any contracts to validate this debt. Therefore, ignoring my requests and continuing to pursue payment on a fraudulent debt is extremely unfair, illegal and a bad business practice. I am currently working on obtaining video evidence to bring criminal charges to the person responsible whom I believe is a close relative. In the meantime, this agency needs to honor my rights as a victim and remove this debt from my name and cease all collection efforts from me as I am not responsible nor have I participated in incurring this debt. I believe each company has a process on dealing with fraudulent accounts as they would also have extensive means to verify one 's identity prior to opening these accounts. This has been an overwhelming process and I'd appreciate it if my rights were honored and this debt is removed from my account permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: OH

Complaint narrative:
Experian and XXXX  continue to report inaccurate information. I have disputed this issue several times. I have requested the reported information be verified and validated with the original agreement, agreement or account with my signature matching the dates they continue to report. The companies refuse to provide me a copy of my request. Instead alter information reporting and lying stating the information has been verified as accurate and continue to report. Neither Experian nor XXXX  reports state the same exact information and both should be held accountable for supplying information like that when their mistakes determine if a person has to walk or can buy a car. These reporting agencies have very bad unethical habits of reporting and supplying negative information which is a violation of a consumers right to fair reporting. Please see attached documents. Under no circumstances should credit reporting be allowed without actual documents to validate and verify what is reported. Because experian and equifax have refused and failed to provide me a copy of validation, I demand the derogatory report permanently removed and deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: GA

Complaint narrative:
I had an account with XXXX XXXX XXXX that's reflecting a 30 day late payment status on a account I have never been late. It also reflects the 30 day late payment status despite the account has been paid and closed for quite some time. 

The historical payment history does not reflect what month and year this alleged late payment took place so it makes it challenging to be more specific but I do know I was set up on auto payment for the account during the duration of the account. I wrote the credit bureau back on XX/XX/2021 and as of today I have not received any mail or electronic mail in regards to my dispute as a result I am writing a complaint with your company. 

To support my claim if you go on the XXXX XXXX XXXX website this company only has unanswered claims and does not have their contact information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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:
I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, reputation etc. 

I am aware the Bureau is in place to assist me in enforcing my right and to ensure that I am not taken advantage of as a consumer. 

On XX/XX/2021 XXXX  XXXX removed 6 Inquiries from my consumer report. The deletion was based on violations of the Fair Credit Reporting Act that I submitted to XXXX  XXXX in XXXX. When there are damages done, remedy is to follow pursuant to XXXX XXXX XXXX for civil liability, which XXXX  XXXX is accountable for. XXXX  XXXX may be held criminally liable pursuant to 15 USC 1611 for harming my reputation with fraudulent and private information shared on my consumer report. 

I submitted a request for remedy and it was left unanswered. I have never given written consent to XXXX  XXXX to report about me as a consumer and through many phone conversations they have given me the run-around about removing fraud from my report. They claim to have done investigative reports but have not provided proof that interviews with my friends, family, or close associates have taken place pursuant to 15 USC 1681a ( e ). I was laughed off the phone when I mentioned this federal law.

I demanded the block and removal of the fraud that has taken place due to identity theft pursuant to 15 USC 1681c-2 ( a ). I have provided my US Passport, Social Security Credit Card ( 15 USC 1602 ( L ) ) and my XXXX bill to help identify myself according to federal law.

All accounts and Inquires I listed on my Federal Trade Commission Identity theft report shall be removed, as it is my written instruction in my letter and this complaint through the bureau. 

Any account that has been " Investigated '' please attach any interviews that took place with my friends, family, or associates that would be able to validate the account, pursuant to 15 USC 1681a ( e ). The furnisher of the reports are not Original Creditors, I am. block and remove those accounts listed, they are fraud.

XXXX  LLC is not a bureau, but an agency that congress called, " An elaborate mechanism '' that assumed a " grave responsibility. '' Now, on XX/XX/2021 I am conversing by way of the Bureau because I have tried numerous phone calls and letters to no avail, with XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In 2017 I had a Citibank Prepaid Mastercard with a {$200.00} dollar limit. I was XXXX  and while I was l in XXXX  someone used my credit card without authorization and when I got out I contacted Citibank and told them what happened and they didnt seem to care depite me filing a police report and even providing proof of my XXXX  from my XXXX  XXXX. They eventually charged off the account and have reported it as a " Charge Off '' for years and continue to report it as a charge off. I have tried to dipute the account and I have tried to resolve the issue but they will not speak to me or cooperate with me. They are reporting that the amount due is {$630.00} even though the card was a " Secured '' card with a {$200.00} deposit. 

Account Number : 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 2021-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and I noticed residences reporting that don't belong to me with all three bureau 's to combat against the improper use of my credit report I sent each bureau a letter XX/XX/2021 and as of today only XXXX  has updated and corrected my information. Please see attached identity theft affidavit and letters that were sent which did not get a response.

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 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2021 I received an email from TD Bank that a Convenience Checking account was created in my name. I received immediate subsequent emails that the contact info on this new account was updated. I did not open this account. I called TD bank immediately and waited 2+ hours to speak with their fraud department. After a troubleshooting conversation with their customer service, we finally discovered that someone opened an account fraudulently using my Social Security Number and former married name ( XXXX XXXX ). TD Bank could not actually confirm any account info unless I provided my Social Security Number to them. I requested that this fraudulent account be immediately closed, but TD bank said they must complete a fraud investigation first before the account could be closed. They tell me that they put a " block '' on the account. Since then, I have been following the instructions on identitytheft.gov for reporting and repairing my identity. I have filed a police report, requested an extended fraud alert and credit freeze with the 3 credit reporting agencies, ordered a XXXX  report, and alerted my current and former employers, in case my ID is being used for Unemployment Compensation fraud. I have called, emailed, and send certified mail to TD Bank at least 5 times since XX/XX/XXXX, requesting that they close my account. Thus far they have been unresponsive. The only feedback I have received was during my phone calls, where TD agents continue to tell me that the fraud investigation must be completed before my account is closed. When asked, they are unable to give even an approximate time frame of when the investigation will be completed, and the account will be closed. The only option given to me to close the account was to visit a TD Bank branch in person - the nearest branch is a 5 hour drive from my home. Today I received my first piece of mail from TD bank, which was an account balance statement for this fraudulent account that I requested be closed. I am requesting that you investigate why their response is so inadequate, and I am also requesting your assistance in having this account closed, and written confirmation of the account closure sent to me.

Company response to consumer: Closed with non-monetary relief