vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: AK

Complaint narrative:
It first came to my attention in XX/XX/XXXX in attempts to fix my credit that there was a collection from Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX GA XXXX for the The XXXX in the amount of {$2300.00}. I have sent MULTIPLE letters ( XXXX ) asking for verification and have disputed the collection with all XXXX credit bureaus. I have never received any proof of debt. The only returned communication I got back was for a settlement offer XX/XX/XXXX for {$1100.00} I have been calling daily since where representatives have sent me to voicemails with no returned calls. Today XX/XX/XXXX I finally talked to a representative named XXXX who informed me that they do not verify debt and I needed to do that in the community which makes no sense. I asked how he could collect a debt that they could not verify and he said he didnt know. I explained I have had a few instances of fraudulent collections and Id like this taken off since they couldnt prove debt. He explained that I needed to make a police report then send in the proof I did so then they would investigate. This is not promising since they have failed to do this debt any justice since they have a horrible Track record of returning communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NC

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stats that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand that these accounts be deleted immediately or I will be forced to file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: NM

Complaint narrative:
A loan was taken out in my name. A bank account ( XXXX ) was used that i do not have. I submitted a police report for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Good afternoon, My name is XXXX XXXX and I am submitting my concerns and complaint against Wells Fargo on my belief of discrimination, retaliation and intimidation by their employees towards me. 

On XX/XX/21 I called in regard to receiving collections calls while my account was under review with the above commentary. I advised them that I did not feel it appropriate for them to be contacting me while my account was being investigated with my concerns. I in no way asked them to place a cease and desist on my account, as I know that would prevent me from getting vital information about my account. 

I spoke with front line collection agents that we only concerned with collecting on the balance. and not my previous concerns that I advised them of. I then requested to speak with a supervisor. I was transferred to account resolution manager XXXX. From the beginning of the call you seem agitated that he had to speak with me. 

XXXX was extremely rude, condensing, and unprofessional throughout my entire interaction with him. He even continued this temperament after I advised him that I felt that I was being discriminated against. 

As it pertains to my credit report, Wells Fargo advised that my account was closed in XXXX, yet they continue to charge me interest, and fees and balance continues to grow. They have also removed and then put back negative remarks as it pertains to my credit card. This is where I feel retaliated against. 

I would like the call between XXXX and I reviewed and action taken. I would like to also understand why I agreed to make to half payments to clear my balance to XXXX and he never attempted to take the payment. Instead it appears that Wells Fargo continued to charge interest and damage 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 monetary relief
Consumer complaint received 2022-02-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX Balance {$530.00} XXXX  XXXX XXXX XXXX  XXXX Balance - XXXX  XXXX XXXX XXXX Balance - XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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:
On XX/XX/2021 I sent a formal complaint and dispute letter notifying Experian of an inaccurate account showing on my credit file. Under FCRA section 609 Experian had 30 days to investigate and either verify and validate the account or remove it from my credit file. Experian has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows. ( XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Due to Covid I got extension on months missed witch means it shouldnt reflect on my credit report resulting in poor credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: AZ

Complaint narrative:
I want my accounts to be validated as I have the right to do so, there is a letter of explanation enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I visited CitiBank branch in XXXX XXXX, CA to downgrade my Priority account to Basic account in order to prevent any monthly service fee. The branch manager helped me to change my account from XXXXXXXX XXXX XXXXXXXX package. At the same time, she showed me the promotion flyer ( see attachment ) and said the promotion was eligible for any customers including XXXX account. Also, the promotion flyer indicates that any new or existing customers were eligible to offer. 

I accepted the promotion offer and the branch manager helped me to open a saving account on XX/XX/XXXX, and a new money {$250000.00} new deposited on XX/XX/XXXX. 

Since my online banking account ( transfer money from ) does not offer check books, I worried about any loss risk if transferred a big amount {$250000.00} to the new saving account electronically so I deposited the new money {$250000.00} to my exisiting checking account which I've made many transcations successfully on XX/XX/XXXX and then transferred to the new open saving account on the same day. 

I followed the promotion requirement to maintained the balance {$250000.00} over 60 days but did not receive the cash bonus {$670.00}. I visited and asked the branch office to submit the promotion dispute twice in XXXX and XX/XX/XXXX but got the same responses of that I am the basic account package customer not eligible for the promotion. 

On XX/XX/XXXX, I contacted Citibank and they opened my case again and asked to mail any supporting documents including the promotion flyer, account transactions, .. etc. I mailed them on XX/XX/XXXX. I waited but did not get any resonse so I called Citibank on XX/XX/XXXX and they said the same feedback and my case was closed. I spent over 3 months but Citibank still refused to pay me the cash bonus {$670.00}.

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 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2021, a person had called me with the caller ID of Wells Fargo and had told me that in order to reverse other fraudulent transactions in my account, I must send {$630.00} to myself through XXXX. These people walked me through every step of the way and ensured me that this was the only way Wells Fargo could prevent these transactions from occurring. This money never returned to me and when I spoke to the representatives at the real Wells Fargo, they said they would investigate this and would be able to return my fund because I was wrongfully scammed. I just received a letter now that they have closed this claim and will not be returning any money. Its truly unfair that this situation has occurred and that I was mislead by those at Wells Fargo because they were unable to help out due to the fact that I was manipulated into authorizing this transaction. I have been loyal to this institution for over 10 years and during my time of need, they have let me down and left me on my own.

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 2022-02-02 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: MO

Complaint narrative:
I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander.

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 2022-02-02 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: MO

Complaint narrative:
I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX I Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
On XXXX XXXX I mailed United auto acceptance a cease and desist, affidavit of response and notifide bill of particulars and they received them on XXXX XXXX according to tracking number XXXX. I demanded United auto acceptance to clear out my debt to XXXX dollars to the XXXX, and XXXX my down payment of {$5000.00}. I gave them XXXX days to respond to my cease and desist and to pay in full and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
A few months ago ( exact date to be provided by Wells Fargo ) a Wells Fargo employee spoke with me and offered a " new '' deferment program which was sold to me as a program to take my past due amount and place it at the end of the loan term in a one time balloon payment. I was told this would put the account in a current status and I could start making my normal monthly payments and move forward. I was very excited at this prospect. I asked questions and never was it explained I could be turned down. I was told I would get a letter confirming and the WF rep read a disclosure which led me to clearly and reasonably believe I was enrolled in the program. 
This led me to make financial decisions for 2+ months with the belief I was going back to current and only had to make the normal monthly mortgage payment due. In a follow up collection call a WF rep was rude, hardnosed and couldn't clearly tell me I was or wasn't in the program, wouldn't be in the program or would be in the program. I never received any mailing about the deferment. 
This led me to be in an even more perilous financial situation which has caused a great deal of stress and health problems. It could all have been avoided if I was told " we will have to see if we can get you approved or if you qualify '' but I was sold the program as if it was a done deal. 
Obviously, this has led to material damage to myself, my health and my financial situation.

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
they wont let me pay my bill, my card and my accounts were stolen, ive reported this and they keep on calling i would like them to cancel my debt i dont have my card my information was stolen this has been going on over a year and a half im going to take them to court. if they cancel the debt appologise ill let it go if not ill file a case harrasnent and creatting virtual reality money. sorry thanks for you time i hope the we can resolve this they owe me my bill when i went to pay it offf was never added to the dept but it charged me what i payed. i thouight we solved this already., my card was stolen alos i dont have that information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-02-02 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation