vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft. This happened due to numerous data breaches that have occurred in recent years. As a result of this theft, two checking accounts have been opened without my knowledge or permission : one from XXXX XXXX XXXX XXXX and the other from XXXX XXXX XXXX XXXX. 

I have submitted a copy of the FTC Affidavit as supporting evidence of my claim. I am now in the process of filing a police report and taking legal action against the perpetrator.

I am requesting that you investigate this matter as soon as possible and take the necessary steps to remedy this situation. I am also requesting that you inform me of any additional measures that need to be taken to protect my identity. 

Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
XXXX XXXX  reported me to credit agencies for a {$2.00} interest payment on a fully satisfied HELOC loan. I've been told that I stopped my autopay and though can not prove it I do not agree after having reviewed my records as I do not have notification of such. Even if true, the bank no effort to reach out to me to avoid the reporting as I learned it through the diligence in my review my credit report. My scores prior to this were 830+! 

Further, I now have an issue with the dispute process with Equifax and XXXX as balances were reported incorrectly to them -and they accepted it. My available balance on this HELOC is now {$100000.00}, which is {$17.00} higher than the original loan. This is due to the fact that when I went to the bank to correct the account they took a payment {$17.00} over that which I truly owed them. In discussion with the Customer Service folks I spoke to about this, numerous of them, the response to both of their errors, failing to prevent a {$2.00} balance to negatively affect my score by 70+ points for up to 7 years and then overpaying themselves to satisfy the balance, was indifference at best. 

Based on my payment history, I feel XXXX was negligent in attempting to contact me in an effort to avoid this issue and as such this has disproportionately affected my credit standing in a negative way in which they are indifferent to while being indifferent to their own mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: KEYCORP
State: NY

Complaint narrative:
XXXXkey bank unemployment many charges that were unauthorized XXXX credit report many charges were made without consent Can't retrieve bank statements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: OK

Complaint narrative:
in accordance with the fair credit reporting act has violated my rights Experian bankruptcy XXXXdischarged reference # XXXX 15 U.S.C 1681 section 602 i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please try to fix ny credit score. I see a lot of unauthorized charges in my account done by my late wife passed away XXXX  years ago .and inquires that I never authorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There is incorrect information listed on my credit 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 non-monetary relief
Consumer complaint received 2023-04-09 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: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
In XX/XX/XXXX an inaccurate information was published on my XXXX credit report by ALLIED COLLECTION AGENCY without any contact with me. I disputed this report and XXXX initially removed the report only to publish it again on XXXX, XXXX and XXXX now including the original creditor XXXX XXXXXXXX XXXX XXXX. I again disputed the accuracy of the debt through a letter sent to all 3 credit bureaux yet they keep removing and republishing this false negative report. 
The debt collector later sent documents on the purported debt to my wife XXXX XXXX XXXX XXXX while blurting out my name from all documents. The fact of the matter is that we moved out of XXXX XXXX XXXX on XX/XX/XXXX and left the apartment in good condition barring normal wear and tear and we left a security deposit of {$2400.00}. We did a final inspection of the apartment with the staff of XXXX XXXX XXXX and have our video and photo evidence. The staff even refused to let us take video evidence until we spoke to a manager on phone. THE DAMAGES CLAIM ARE INCORRECT AND OVER BLOATED. We dispute a lot of the charges like the rent, garage remote, interior paint, dry wall repairs, micro wave broken handle, solar vinyl prorated. Our rights are being violated by the continued publication of this false report until a court decides

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I been having deposits going into all my accounts and I still can't do no check cashing nor pay any bills and I have all my banks leak to each other.i have deposit going into all of them and they will not do no overdraft are protection.and I think that's wrong.they won't let nothing go threw for me.im trying to build my credit.i can't get a loan are nothing.they all turn me down.why.i was dashing and my car broke down and XXXX XXXX XXXX XXXX.making it had for me.i lease my car from them and it broke down.and then I couldn't work.and then I caught XXXX and was hospital.and then on top of that I got XXXX problems.i can't do nothing.everybody turn me down cause XXXX XXXX XXXX  get me delluent cause I can't pay.then on top of that I still got to pay XXXX for a car I no longer has.and wont no bank let me over draft are nothing.im trying to get well so I can work.every bank I apply for a loan I get turn down.why.i don't got perfect credit.i just need a chance.i got overdraft and protection.and I still can't go overdraft.why cant I get a credit card checks and banking and saving at one bank instead of 3.i really need some 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 2023-04-09 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: AL

Complaint narrative:
There is incorrect information listed on my credit 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 non-monetary relief
Consumer complaint received 2023-04-09 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: AL

Complaint narrative:
There is incorrect information listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A few years back, I was informed that I had past due Property Taxes owing to the City of XXXX. I had received no communications since these notices were sent to Wells Fargo who services my mortgage and handles taxes through escrow. I ended up just paying the amount past due plus fees to avoid further issues. Wells Fargo was unable to resolve the issue. I now have received a collections notice for another past due property tax amount. Again, because the city of XXXX doesn't send me property tax bills, I rely on Wells Fargo to service the account. This is unacceptable and I have concern for those who are unable to advocate for themselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian Credit Bureau failed to delete 2 addresses from my credit report. XXXX XXXX XXXX XXXX, PA XXXX. XXXX XXXX XXXX. XXXX, PA XXXX. Additionally, XXXX XXXX  as my listed employer should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I contacted Synchrony Bank on XX/XX/2023. First they were unable to find my rooms to go account. Then she found it using my phone number. The agent tried to convince me that my monthly payment was {$88.00} a month. I advised her that was incorrect and that my monthly payment is {$22.00} a month but somehow there are late payments that I dont know where they came from. She tried to argue with me that I was wrong. I then requested a supervisor who stated that there were no late payments and I only owed {$22.00}. I stated to him its showing on my credit. He stated that is incorrect and that I have no late payments. I was completely lost because Im looking at my report. He then transferred me to a customer service or credit dept who dropped the call and didnt even bother to call back. Luckily I recorded the full conversation. I can send it to the company if they would like. At this point its ridiculous. Im not even able to get a clear understanding of whats going on. It seems I may need to take this to court because synchrony bank does not care to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Received a letter dated XX/XX/23 signed by Attorneys for Midland Credit Management , Inc. indicating a debt of {$9200.00} to be collected. I have no such debt and the attached documentation does not specify the original creditor, except at the top the letter : XXXX XXXX XXXX. I have never done business nor have had accounts with this institution. 

This is a fraudulent attempt to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Marcus failed to accept normal deposits to my account, providing me false information that my account was in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2023-04-09 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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:
TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q RESOLUTION DELETION OF CONSUMER FILES, REMOVE ACCOUNT FROM CONSUMER 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 2023-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
Re : XXXX Complain against Gemini Trust Co , llc, a New York-based cryptocurrency exchange. 
Despite providing information and documents requested by Gemini Trust Co, llc in their response to my previous complain XXXX, my account still restricted and frozen. Customer service is not responsive. 
I believe that Gemini may be in violation of federal consumer financial protection laws, and I urge you to investigate this matter and take appropriate action. I have attached copies of my previous correspondence with Gemini. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The original issue I had with Comenity Bank is that months after selling my debt to a collection agency the account was still showing open with late payments. I disputed the account and they attempted to update after months of inaccurate reporting. Now it shows as a charge off debt that was written off as a charge off yet I have received no 1099-c from the IRS. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. This is considered trust fraud. As the debt was supposedly written off in XX/XX/2022. I am demanding that comenity bank remove this debt immediately or I will take further actions against them and their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
Bentley Financial Services sent an adverse action letter in the mail stating why I was allegedly denied an extension of my own credit. 
When we tried to talk to the Finance Manager and the other Woman who initially took the information for processing We forgot her name, she was irrelevant anyway. 

XXXX XXXX XXXX or Bentley XXXX XXXX cars is a high end Car Dealer located in or near XXXX Ca XXXXWe are XXXX  People so just really trying to get service in this place is a joke, In this area they really look down on XXXX People mostly because they have most of us Stereotypically some sort of way figured out.Welcome to the XXXX XXXX California XXXX 

Back to the Finance Manager would not discuss the Truth in Lending aspect of the deal with us. We always record our communications by the way!!! 
When asked and told that We could not not be denied Credit because We are the credit We lost him, literally he hung up. 

According to theTruth and Lending act USC 15 USC 1602 the term credit card is your SSN number, 12 U.S 1431 Banks dont have any Lending power. 12 CFR Part 1002 Equal Credit Oppurtunity Act ( Regulation B ) The Term Credit Worthiness applies to Businness and Financial Institutions. Not to Natural Man or Woman.

15 U.S Code 1691 section A states it is Unlawful to be denied an extension of your own Credit, based on DISCRIMINITORY ACTIONS. 

We can be denied our own credit but that is considerd unlawfull.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Hello, there was another class action lawsuit against Wells Fargo for how they fraudulently handle people 's accounts. I closed my account last year with wells fargo and complained about their mismanagement and fraudulent fees. I was told to contact Wells Fargo or email this if Wells Fargo hadn't contacted me about compensation through the class action lawsuit. Wells Fargo is repeatedly fraudulent and incompetent, proven to be in court multiple times so i have to email you. Thank you for your 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 2023-04-09 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: FL

Complaint narrative:
The following accounts was charged off XXXX XXXX XXXX XXXX XXXXXXXX FIN. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXXXXXX XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account XXXX : XXXX Best Regards, 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 2023-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Received a letter dated XX/XX/23 signed by Attorneys for XXXX XXXX XXXX  , Inc. indicating a debt of {$9200.00} to be collected. I have no such debt and the attached documentation does not specify the original creditor, except at the top the letter : COMENITY CAPITAL BANK. I have never done business nor have had accounts with this institution. 

This is a fraudulent attempt to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
Nonstop calls from different numbers, all hours, saying my credit will be damaged, Ill be held a penalty. Asked to stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation