vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 non-monetary relief
Consumer complaint received 2022-03-17 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: CA

Complaint narrative:
XXXX XXXX opened a Fraudulent Account in my name in the amount of XXXX on XX/XX/2019. This Account is a result of Identity Theft and I didn't Authorize this account to be opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have recently in the month of XX/XX/2021 on the XXXX day at XXXX PM received a call from from Wells Fargo stating that there had been misappropriation of funds and that I needed to stop those funds from going in order to do so I need you to put my name into my XXXX account To reverse the transaction they requested requested that I follow through with a 4 digit authentication code And I continued to send the {$3000.00} to who I thought was myself they followed up with another {$490.00} a second authentication code I checked my balance in my account while they were on the phone and realized I'd just been taken for all the money after a few choice words to the agent I was speaking to into I immediately called my bank and repetitively called my bank every day thereafter for 2 weeks weeks I've yet to get my money back and have been told via letters that I'm not going to get my money back I am currently working with XXXX XXXX news on your side here in the XXXX area and they are assisting me or at least trying to get my money I have made reports I filled out forms I've called my bank and I've yet to get my money back I inform as many people as I can on social Media do not take calls from what you may think is your bank always hang up and call your bank your bank will never call you and tell you that funds are being misappropriated I know this now it's a {$3500.00} lesson a class I did not want to take help me

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 2022-03-17 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: CA

Complaint narrative:
Im contacting you because I submitted a fraud claim to Wells Fargo on XX/XX/2022 Someone or some company in XXXX XXXX. Named XXXX variate is Debited my account XXXX. 
The day prior I transferred XXXX to my account to pay off my car loan. Then I get a email saying this amount is trying to get through and it was declined by Wells Fargo. Then some how it went through. I asked Wells Fargo to submit a claim because this charge was fraudulent. They gave a temp credit. And now wrote me back saying that the charge isnt fraudulent because me or someone I know had permission to use my card. I called them and told them this money was supposed to go to pay my car payment and Ive never done business with such company I asked them to provide me proof of a receipt or something signed by me and they dont have it all they are going off of is that the company said it was me?!!!!! I asked how they got my info if it was a point of sale or over the phone or internet purchase. He said over the phone and doesnt have any proof that I signed for it or it was even me please help provide assistance I keep calling Wells Fargo and they said too bad the decision is made and now Im negative XXXX in my account thank u

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a credit card with Citi ( account ending in XXXX ) that opened in XXXX. The date of last transaction was XXXX. I received a phone call on my cell phone and at my job from a company that identified themselves as dispute resolution center on XX/XX/XXXX. They asked that I call XXXX in reference to file # XXXX. They stated they were going to contact XXXX  XXXX ( where I live ) if I did not respond. I called the # and they had my name and date of birth. I asked why they were making veiled threats about suit or inferring the county government may get involved in a debt that is so old. The statute of limitations is long expired. I also asked when they received consent from my to contact my cell #. They stated they did not need consent. When I asked what their mailing address was I was hung up on. I called back and asked another person for their business address and again was hung up on. I called A third time and it went to voicemail. I know my rights under the FDCPA, especially as it relates to third party debt collectors which I presume is what this company is. I demand restitution under FDCPA and TCPA and I demand to never be contacted about this again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like my credit file correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I got a bunch of hard inquiries in my report in XXXX and XXXX which are not mine. 

We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX XXXXnquiry DateXXXX NameXXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXXXXXX CityXXXX XXXX StateSD ZipXXXX We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX  Alert DateXXXX Inquiry DateXXXX NameXXXX  XXXX XXXX Phone ( XXXX ) XXXX Business TypeBC StreeXXXX Address XXXX XXXX XXXX CityXXXX  XXXX StateIA ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX XXXX  PhoneBY MAIL Business TypeBC Street AddressXXXX XXXX XXXX CityXXXX StateNJ ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXXXXXX XXXX. 
Phone ( XXXX ) XXXX Business TypeFA Street Address XXXX XXXX XXXX CityXXXX StateAZ ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street AddressXXXX XXXX XXXX  CityXXXX XXXX  StateDE ZipXXXX  SourceXXXX  Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX XXXX StateUT ZipXXXX Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourcXXXX  Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX Phone ( XXXX ) XXXX Business TypeFA Street AddressXXXXXXXX XXXX XXXX XXXX XXXX CityXXXX  StateGA ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX  XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXXXXXX CityXXXX XXXX StateSD ZipXXXX SourceXXXX Alert DatXXXX Inquiry DateXXXX NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXXXXXX CityXXXX XXXX StateSD ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX  XXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXXXXXX StateIA ZipXXXX SourceXXXX Alert DateXXXX Inquiry DateXXXX NameXXXX Phone ( XXXX ) XXXX Business TypeBB Street AddressXXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My credit report shows a collection from Midland Credit Management. I do not nor have not had any open account totaling {$650.00}. I do not believe this debt is accurate. I the natural person never gave Midland Credit Management consent to report anything to the credit reporting agencies nor do I have a contract to do business with them. Therefore, my position is being clearly stated, the account does not belong to me, meaning that Midland Credit Management is reporting inaccurate account information within my credit file. I am well aware of my rights as a consumer. Per the language of the Act, Midland CM is in violation of 15 U.S. Code 1692e. False or misleading representations The Fair Credit Reporting Act requires that the credit-reporting agency report accurate and/or correct account information within my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
Since XX/XX/22 Someone has been using my XXXX Bank card making transactions to apple which have added up to XXXX my bank refused to refund me and handle this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
Dear CFPB, I have had problems with my current lender for over a year now and have reported these issues to your agency multiple times. 
My lender, XXXX is completely unethical and uncooperative. 
We are in the final stages of refinancing our home with a new lender but are unable to close due to Citadels refusal to communicate the right information with the new mortgage company. 
This is our second attempt at refinancing our house. The first one also didn't close due to the exact same issues. 
Moreover, Citadel has the audacity to not credit our monthly mortgage payments and hold the funds in a suspense account, and not report our payments as current to the credit agencies. 
I have called and emailed their representative multiple times but have not heard back. 
We are in dire need of help. 
Please be so kind and look into these practices. 
Thank you very much. 
With best wishes, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I sent a debt validation letter to Smith Rouchon & Assoc. Inc, XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/2022 and they failed to verify the documents Ive ask to be sent over to me. Instead they sent only a bill with procedures on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I made a compliant to FHA in XXXX regarding Wells Fargo Home Mortgage refusing to accept payment. After FHA investigated Wells Fargo agreed to resume accepting payments to bring the account current. I have been consistently making payments and payment agrrangements while I was waiting for my divorce to be completed, which Wells Fargo reports was an issue. I signed a Release Of Information for Wells Fargo to speak with my attorney to confirm the divorce was pending on XX/XX/XXXX. Wells Fargo allowed me to make payment arrangements which was paid on time. The last payment they accepted was on XX/XX/XXXX, and I made payment arrangements for XXXX, XXXX, XXXX payments. Wells Fargo did not pull the XXXX XXXX, XXXX payment nor the following payment arrangements I discovered on XX/XX/XXXX. When I called to ask why, they informed me that the agreement for payments was revoked and they have a Cease & Desist on my account that has been active for 10years and updated in XX/XX/XXXX. I never signed a Cease & Desist and requested a copy of this alleged document several times with no success. I was informed I could terminate the C & D either verbally or in writing but when I verbally terminated the C & D they are not honoring it. Then when I spoke with representatives today XX/XX/XXXX, I was told they attempted to pull XX/XX/XXXX payment but the account was NSF, which contradicts what was told to me previously. Not to mention the money is in the account and I used the same account with all my previous payments. I believe they are purposely trying to keep my mortgage in arrears and using fraud as a deceptive predatory practice. I faxed them a copy of my final divorce papers from the XXXX XXXX judge that addressed the home and Wells Fargo confirmed receiving it. But they are still refusing to allow me to make payments stating they have a Cease & Desist even though no representative can view the actual Cease & Desist form that they alledged I signed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Payments have been miss applied since XX/XX/XXXX. I have called in every two weeks and issue still not fixed. 
XX/XX/XXXX XX/XX/XXXX Normal Payment {$170.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$20.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Assessment $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$0.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$150.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$15.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$150.00} Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Paid {$9.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$160.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX NSF Fee Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$400.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$380.00} Applied

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: PA

Complaint narrative:
XXXX XXXX credit card was reported as 120 days past due when it was 90 days. The payment was made for all 90 days, 15 days prior to the report being filed. I attempted to explain what happened and point out that I had never missed a payment in the past, and they would not listen. The woman that I spoke to was extremely abusive to me. I paid {$490.00}. the day I received the letter from XXXX XXXX and yet, they reported that it was not pain and was 120 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: LA

Complaint narrative:
Either XXXX XXXX XXXX XXXX XXXX or MRS BPO has contacted me or sent a letter to my address. 

XXXX XXXX notified me of a debt reported by XXXX XXXX on XX/XX/XXXX. I had XXXX XXXX send a dispute to say that it was not mine, they said it was mine. The account was open XX/XX/2022. The open balance is for {$1000.00} and came from " XXXX XXXX XXXX '' is the original creditor. 

I do not have any debt with XXXX  or 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 non-monetary relief
Consumer complaint received 2022-03-17 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: TX

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and accounts the do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo keeps claiming that I, or someone who was authorized, was the one who made a XXXX charge on my account. Neither is true and I did not authorize this XXXX transaction. The transaction was made fraudulently and they are not taking any action to protect me. Below is the original message I sent through CFPB - Complaint ID XXXX -- On XX/XX/XXXX I had a total of {$2000.00} frauded from my account via XXXX. I did not approve this transaction or make this transaction. I contacted Wells Fargo soon after about this fraud case, and they recently reported on XX/XX/XXXX that they have not approved of my claim. The case number is XXXX XX/XX/XXXX XXXX TO XXXX XXXX XXXX ON XX/XX/XXXX REF # XXXX {$1000.00} XX/XX/XXXX XXXX TO XXXX XXXX XXXX ON XX/XX/XXXX REF # XXXX {$950.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: DE

Complaint narrative:
This bureau ( TransUnion ) has been contacted several times regarding XXXX XXXX  account number ( XXXX ), XXXX  account number ( XXXX ), and XXXX XXXX account number ( XXXX ) in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC on two occasions one dated XX/XX/2021 reference number XXXX and also on XX/XX/2021 reference number XXXX and still, they don't delete these unauthorized and fraudulent accounts on my credit report. XXXX and XXXX has honored my request, I am just still having a problem with TransUnion honoring my request.

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