vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-12 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Upon reviewing my annual credit report, I noticed an inaccurate item listed under Adverse Accounts. Under the remarks section, my now closed AAdvantage Citi Card reads Chapter XXXX Bankruptcy : Closed by Credit Grantor. I always thought it was odd how this card magically was closed without any notice to me. I did not worry about it since I rarely use and keep it open only to keep my XXXX XXXX Advantage Account active. However, this inaccurate reporting was the catalyst for my recent declination from XXXX for my nephews time sensitive student loan application. On XX/XX/2020, I disputed the information with XXXX  and Citibank. XXXX   provided an email response this week stating " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # XXXX The results are : We have verified that this item has been reported correctly. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : Citicards CBNA, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX. I have not received a response from Citibank who was able to respond to XXXX. 

Given that I have never filed bankruptcy, it is perplexing to me how Citibank could report this. What's their source? What information did they share with XXXX? 

Citibank has not responded yet and I am reaching out to them again today via letter. How does this happen? It does not make any sense since it is 100 % factually 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 2020-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo, why did you recast my account using Federal Tax Dollars from HUD, under the lie that I needed financial assistance instead of using the over {$150000.00} I had in my checking account? 

I was just looking for a vehicle in which to get the money to you. When your company approved a RECAST modification to use my own funds in XXXX of XXXX your loan preservation rep XXXX XXXX told me to disregard the letter, and complete the modification ( that I didn't need OR ask for in any way! ) first, and then I could recast later? Your Asst. VP of XXXX XXXX XXXX XXXX stated once a modification is completed I would no longer have been allowed to recast my account. She lied to me and I trusted her. Pull the calls!!!! 

Why did XXXX CFPB Rep XXXX XXXX lie to me and tell me in XXXX of XXXX that all calls from XXXX and XXXX were deleted, when they were all pulled up a year and a half later by XXXX XXXX and XXXX XXXX? 

Why did XXXX XXXX tell me to accept what Wells Fargo has done to me for my own XXXX and XXXX  health? He advised me, by Wells Fargo taking HUD funds on my account really worked out for everybody because Wells Fargo got an extra ten years in payments, and I got to get a modification with no money down. That way I could use the {$100000.00} I tried to give to Wells Fargo and invest it in the stock market instead, and maybe double or even triple my investment? When did XXXX XXXX become my financial adviser, and health provider? 

Do you think its fair to me to keep me in constant research over this issue for almost 2 years this bout alone, and 33 cases to date opened and closed on my account with no resolution from Wells Fargo? Does CFPB allow such lengthy timelines? If so that is news to me. Youre in violation of my rights regarding this issue. 

And lastly Wells Fargo, why did you try to pay me off with XXXX and Non-Disclosure Agreement if you followed all of HUD 's guidelines and Procedures? Your offer was insulting at best. 

Thats a start. Thank you.

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 2020-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XX/XX/2019 my wife and I refinanced our home with Freedom Mortgage. As apart of the closing Freedom Mortgage withheld {$2200.00} as a Escrow Holdback for minor repairs required by Freedom Mortgage. We have made several attempts to retrieve this funds as the required repairs have been completed. Every attempt to resolve this matter with Freedom Mortgage as resulted in being transferred to several different departments with no willing our able to assist with resolving this issue. My Freedom Mortgage loan number is XXXX. I will attach below a copy of the Escrow agreement.

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 2020-09-12 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: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
I had two unauthorized transactions on my robinhood XXXX debit card on XX/XX/2020 at XXXX est and XXXX est with {$3500.00} and {$1500.00} amount.I have noticed the issue as soonas possible I raised the dispute and case with robinhood at XXXX est on XX/XX/2020 ( ******* ) .I requested robinhood to act fast and block those transaction as those transactions were still showing pending but they did not act hence as of XX/XX/2020 both the transaction showing as posted and my hard earned of {$5000.00} which is my 6months of saving just went disappeared from my robinhood account. 
During this pandemic time I need that money back to my account so that I can withdraw it to use my medical bills and support my family. 
I have attached all the communication with robinhood and all the complaints I had raised for that along with the screen shot of the unauthorized transactions. 
Request you to please help me to get my money backas soon as possible and do let me know in case you need any further information. 
Below are the unauthorized transactions details and my robinhood account details. 

Account Number ( XXXX ) XXXX ( XXXX ) XXXX Unauthorized Transactions 1 : - XXXX XXXXXX/XX/2020- XXXX XXXXStatusPendingTimeXX/XX/2020TypeOnlineDescriptionXXXX XXXX, XXXX Unauthorized Transactions XXXX : - XXXX XXXXXX/XX/2020- $ XXXXStatusPendingTimeXX/XX/2020TypeOnlineDescriptionXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Summary : I did not receive the advertised welcome offer for the Amex XXXX Card XX/XX/2020 : I applied for the Amex XXXX   Card through this link : " XXXX/amex-offers '', which indicated the following welcome offer : " Support Restaurants You Love. Receive 20 % back as a statement credit when you make a purchase at restaurants worldwide with The XXXX  Card within the first 12 months of Card Membership, up to {$300.00} back. 

PLUS, earn XXXX Membership Rewards Points after you spend {$5000.00} on eligible purchases with your new card within the first 3 months of Card Membership. '' Clicking on the XXXX  ( also owned by Amex ) link took me to the following link, which indicated the same welcome offer ( I also saved the webpage and the terms from when I applied, see attachments ) : " XXXX : XXXX '' I applied and was instantly approved. 

XX/XX/2020 : I used the online chat feature and asked the Amex customer service representative to confirm that the welcome offer was attached to my account. The representative confirmed that the XXXX MR points after {$5000.00} spend was attached, but could not see the 20 % back on restaurant purchases ( up to {$300.00} back ) attached. I was transferred to a supervisor and an investigation was opened for me. 3 weeks later, Amex said that the investigation concluded that I should receive only the XXXX MR points offer. I disagreed, and told them I had proof that the terms clearly advertised that I should receive 20 % back on restaurants ( up to {$300.00} back ) in addition to the XXXX MR points. A new investigation was opened, but to this day ( XX/XX/2020 ), Amex has not honored their publicly advertised welcome offer. 

Therefore, after multiple attempts to resolve this issue with Amex, I have no choice but to submit a CFPB complaint about Amex 's misleading advertising and marketing practices. I would never have signed up for a {$550.00} annual fee card if it wasn't for the lucrative welcome offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: GA

Complaint narrative:
THERE ARE SOME FRAUDULENT ACCOUTNS LISTED ON MY CREDIT REPORT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THERE ARE SOME FRAUDULENT ACCOUTNS LISTED ON MY CREDIT REPORT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT.

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 2020-09-12 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: GA

Complaint narrative:
THERE ARE SOME FRAUDULENT ACCOUTNS LISTED ON MY CREDIT REPORT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT.

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 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The credit report showed credit inquiries that I dont recall authorizing. 

I sent letters to Equifax disputing the inaccuracies of the following inquiries : XXXX/XXXX  XXXX  XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I sent letters on the following dates : XX/XX/XXXX - No response from the agency. 
XX/XX/XXXX - No response from the agency. 
XX/XX/XXXX - No response from the agency. 
XXXX - Received letter from agency states they are factual. Did not send the method of verification that they used. 
XXXX - Haven't received response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have reached out to Equifax 6 times about 2 old accounts that I had with XXXX XXXX XXXX. The account has been paid in full, and it is too old to still be reporting. They are reporting incorrect dates on this account and they are reporting that I made a payment on this account back in XXXX which is not true. They are also falsely reporting that this account is in a wage earner plan and it is not.I have also been denied credit numerous times because of these accounts. I am requesting that this account be deleted. Equifax is in violation of my rights under the FCRA and these errors are preventing me from obtaining credit. They also refuse to send me the results of the investigation that they claim they did. 

Again the errors are outlined as follows : Wrong dates Too old to still be reporting Has already been paid Falsely claiming to be In a wage earner plan Not providing me documentation of the investigation that they claim they did

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
This is on Professional Credit in XXXX XXXX. 
Ive made several attempts with XXXX XXXX in XXXX and XXXX. I asked for a detailed invoice statement to get a a loan from my XXXX at the company I worked. The first rep said she was sending a detailed invoice via email. She sends a broken link with no invoice. I call in and she lies claiming it takes a few days for the link to the invoice to load. It never works. I call back in and she claims she has to get authorization from her manager and never resends the link. I also asked for a paper statement she claimed that they they could never send that out. Now after several attempts by email to get my invoice and pay the amount in XXXX I finally received an e-mail in XX/XX/XXXX in the mail for paying the full amount Ive been making monthly payments on all along. 
This company is crooked and when you try to pay the debt they dont even answer at their call center or via email to pay. If you do get a hold of someone they are worthless for getting you the information you need This bill was {$1100.00} I payed down. It was a medical bill on my daughter who was premature born and had breathing & eating difficulties. They sued me in court for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Again, I did not authorized theses inquires and reaching out to the companies was unsuccessful. 

Before calling you guys, I took the time to contact each company separately and neither one could give me any information or where this inquiry came from. 
The only course of action the company gave me was to file a dispute. I don't know the technical term for any of this, I just know I don't recall giving any company permission to pull my credit report. 

I did not file a police report because your website states to contact the creditors, if I don't recognize the inquiries and I did. It does not say anything on your website about police report. All items listed below are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely stating those non-complaint unverifiable accounts on my report. 

These lenders have accessed your credit file : XXXX XXXX   XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$3500.00}, {$3400.00}, {$1900.00}, {$6400.00}, {$7600.00}, {$2200.00}, {$3200.00}, {$3900.00}, {$4200.00}, {$9600.00}, {$4100.00}, {$0.00}, {$0.00}, {$0.00}, {$2300.00}, {$580.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

8. XXXX XXXX XXXX, XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

9. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- AUTO ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$4100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX 14. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

15. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

16. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

-- COLLECTION ACCOUNT 17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: TN

Complaint narrative:
The company encourage me and others to enter into a deferment plan when the Covid19 pandemic initially hit. Every time we logged in to the website, there was all sorts of information about how they could help relief during this time if you were laid off, place of employment shutdown, etc. The representative told me that my 3 payments would be due at the end of the loan and that payments and interest would be deferred. He explained that He explained that there would still be interest, but it would be deferred like the payment. The website also made that seem very easy. I was happy because my business had to shutdown and it took a burden off for a  while. My XXXX, XXXX and XXXX payments were deferred. I did not have to start back making payments until XXXX. However, they really did not help me. When I started making payments in XXXX ; every dollar of my XXXX and XXXX payment went towards interest ; all {$800.00}. The last payment I made before Covid19 hit was in XXXX and only {$170.00} of the payment was interest. I feel that this company used the pandemic to capitalize on consumers by misleading them in order to get more money in interest. They really did not help me during this time because now I actually owe more money than I would if I had just scuffled and tried to continue to make the payment. They used misleading tactics and actually encouraged consumes to utilize their forbearance plan in order to charge more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Called the " three '' credit reporting agencies and have reported to them my most up to date information and they continue to have multiple addresses that I have no relation with on my credit report and weird invalid phone numbers!

I have spoken to a human from all " Three '' and have received robotic irrelevant responses thus far from the credit report agencies via USPS..

When it comes to my credit ; a human should be working and hopefully my letter ( s ) haven't been thrown thru a automated machine.. Things have been validated when things are absolutely invalid and wrong/incorrect ...

When I have disputed Hard Credit Inquiries I have received letters explaining what they are and not upholding my rights and actually investigating the inquires. I'm tempting to sue the " Big Three '' for I  feel I'm not being taken seriously as a consumer and VERY unhappy with them not following the RULES and the LAW!

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