vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I received a call from a number identified as Wells Fargo Bank. The number was XXXX. I did confirm the phone number, but they never initiated a call. 
The caller said that a XXXX XXXX at XXXX XXXX XXXX in XXXX Fl tried to open a credit card in my name. I have never heard of this person and have no friends or relatives in Florida. I informed the caller that it was a bogus application. The caller then transferred me to the Consumer Financial Protection Bureau. They attempted to get my personal information and my credit card numbers. I did not give them my SS number, They already had my address in XXXX, MT. When i hesitated about giving them information they terminated the call. They gave me a call back number of XXXX. The representative who said they were from the CFPB identified herself as XXXX XXXX. They said the case number that they said they filed with your agency is XXXX. I have advised the Wells Fargo Branch in XXXX of this call. The initial call came to me at XXXXXXXX XXXX  on XX/XX/2024.

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 2024-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/11 I received an AMEX ecard in the amount of {$500.00} ( XXXX XXXX ). It is activated. 

I followed the instructions to add the card to my XXXXXXXX wallet. 

I attempted to use the card at : On XX/XX/11 - XXXX  for a purchase of {$59.00}. The site accepts AMEX and requires the card number, expiration date and CVV security code to process. 

On XX/XX/11 - XXXX for a purchase of {$56.00}. The site accepts both AMEX ( requires card number, expiration date and CVV security code to process ) and XXXX wallet. I tried to make the transaction using XXXX wallet and the transaction failed. Then I keyed the AMEX details directly on the site and was also declined. 

I reviewed the instructions and cardholder agreement on AmexXXXX.com. The ecard is supposed to be able to be used with XXXX wallet and wherever AMEX is accepted. 

I called customer service and asked why my card wasnt working. The customer service rep could confirm that I tried to use my card several times, but the vendor was blocked. 

I asked if there were a list of vendors where I could use my card, or a list of blocked vendors, and was told that list didnt exist. In XXXX to try to find this list, I came across several XXXX threads where users had a similar experience as mine and could not get the card to work anywhere. 

Since the cardholder agreement states that the card can be used wherever AMEX is accepted, and the marketing materials with the gift card indicate that I can use it with XXXX wallet and anywhere AMEX is accepted online, I would appreciate having the funds provided to me in a form that I can use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ensuring payments are always on time for this account has been my priority, never allowing them to lapse. I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be addressed.

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 2024-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC
State: OR

Complaint narrative:
I have been attempting to work with AmeriHome to resolve my past due amount. They placed me in a forebearance status in which I continued to make payments XXXX XXXX XX/XX/XXXX. 

They neglected to explain that all of those payments would be counted towards the past due months and so at the end of forebearance I would have a balance of {$16000.00} due. 
None of the payments are documented correctly in the audit they sent me, as I had another lender review. 

They told me to apply for another loan modification in which they never sent me the appropriate loan modification application. I was able to download the necessary forms from the www.loansolutionscenter.com and upload the requested paystubs and bank statements on XX/XX/XXXX. 

I heard nothing. I called the Loss mitigation number and they told me they had not received the documents from the loan solution center website. I emailed the whole packet of documents to the email given to me by the representative at Amerihome, he also filed a complaint for me regarding the loan solution center website and its lack of success to provide the timestamped documents to them. I emailed the documents to XXXX on XX/XX/XXXX. 

I received a letter stating they needed additional documents, so I emailed those documents on XX/XX/XXXX. 

I then received another letter stating I was late in providing documents and that the loan modification application was closed and listed my other options including foreclosure and short sale. 

I called the loss mitigation number again, and the representative told me she could only reapply for a new loan modification application since the previous one had already been closed. I asked to speak to a supervisor because the application should not have been closed because I had sent all the required documents. She said I could not speak to a supervisor. But she could only initiate a new packet being sent to my address, and I received one on XX/XX/XXXX and another identical packet on XX/XX/XXXX. 

I am just asking to have my balance brought to the end of my loan so I can start fresh with a XXXX balance and continue paying my monthly payment. There is no way that someone can be expected to pay two monthly payments during a forbearance period when the reason they are in forbearance is because of lost wages resulting in falling behind. 

I have had nothing but increased stress, lack of communication and terrible customer service with this company. I am doing everything in my power to keep my house but the lack of communication and ability to get any answers is preventing any resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

Account Number : NAVY FEDERAL CR UNION Account # XXXX Balance : {$0.00} Date OpenedXXXX Account Number : NAVY FEDERAL CR UNION Account # XXXX Balance : {$15000.00} Date XXXX Account Number : XXXX XXXX XXXX Account # XXXX Balance : {$310000.00} Date OpenedXXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date OpenedXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GREENSKY OPERATIONS, LLC
State: MI

Complaint narrative:
Green sky completed a loan in my name fraudulent and sent stuff saying that I signed I did not and they have harassed and threatened and called. Me. They never sent anything or agreed to. The company that did loan for air condo for ex daughter in XXXX XXXX XXXX is responsible for loan. They all fraudulently signed documents have recording from company. They are placing loan that is not mine on me. They are supposed to be directly deducting payment from their bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies in the reported accounts.. 

Reporting in EQUIFAX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Reporting in XXXX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report Reporting in XXXX : 1. Under 15 USC 1692g. Validation of debts XXXXXXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX. I received reports of new hard inquiries from 3 credit bureaus and subsequently applied for a XXXX  XXXX credit card without my authorization, I never authorized these and submitted my credit report and related evidence ( including a police report ) for investigation as requested by customer service, I requested that the hard inquiries be removed from my record but XXXX  XXXX denied my request. However, my credit report shows that a XXXX XXXX account was added to my name on XX/XX/year>XXXX  and then removed on XXXX, ostensibly they somehow acknowledged the problem and acted, however, they did not indicate this in their response letter. Hard queries are never removed. There seems to be something offensive about this behavior.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX I received reports of new hard inquiries from XXXX credit bureaus and subsequently applied for a XXXX  XXXX credit card without my authorization, I never authorized these and submitted my credit report and related evidence ( including a police report ) for investigation as requested by customer service, I requested that the hard inquiries be removed from my record but XXXX  XXXX denied my request. However, my credit report shows that a XXXX XXXX account was added to my name on XX/XX/25 and then removed on XXXX, ostensibly they somehow acknowledged the problem and acted, however, they did not indicate this in their response letter. Hard queries are never removed. There seems to be something offensive about this behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
No actions has been taken by the company XXXX. I have taken all actions and necessary steps XXXX XXXX has asked me too. XXXX XXXX could not help me. I was passed around from department to department as you will see below as I took notes of each person I spoke with. Faxes where sent etc and I have not received any feedback/response from XXXX to have the inaccuary reportings removed from my credit report. I would like for someone to handle this matter immediately Notes On XXXX  XX/XX/XXXX, I received a call back from XXXX in the executive office stated I needed to call XXXX XXXX XXXX  at XXXX to dispute the fraudulent transactions from XX/XX/XXXX thru XX/XX/XXXX. I called XXXX XXXX XXXX XXXX, spoke with agent XXXX XXXX XXXX she couldnt help me and advised me to call base Collections department at XXXX where I spoke with agent XXXX ID # XXXX stated he saw in the account where I submitted those Transactions disputes a number of 3 times on the year of XXXX and they all came back valid. I expressed to XXXX that Ive requested via fax and phone for XXXX to provide proof of my responsibility of those transactions. XXXX stated I need to speak with another department at phone number XXXX and they are open XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX  XXXX called XXXX, spoke with XXXX in XXXX XXXX XXXX XXXX department where that department if customer not satisfied with dispute results and can request for proof transactions are customer responsibility. XXXX stated there were XXXX cases on file and they all your rules as valid. I requested for XXXX to send me via mail or email proof that I am responsible for the charges, XXXX stated I needed to speak with another department. I then spoke with XXXX ID # XXXX in XXXX XXXX Department where she stated I had already filed XXXX cases of the same issue dates of XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. XXXX stated I needed to file another claim. At that point she couldnt help me neither. Throughout this entire process I have been getting the run around from XXXX since XXXX for this XXXX Account. No one can assist. Every department is putting the matter off on another department to where this entire process has become extremely frustrating and exhausting. I have never received any letters from chase in response to the XXXX cases that were filed. I ask for proof, they have failed to provide proof over a course of XXXX months. 

I would like for this account to be removed from all my credit profiles this negative and i account is reporting on.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I verified that there are some debts in my name and also a lot of credit research carried out by me, however it was not me who did the research and I also did not do the debts, I am XXXX  and during this period I was in XXXX, so it would be impossible for me to have done so. So, I can prove that I was not in the United States when these things were done. This is really damaging my credit, as I was possibly the victim of some fraud.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
I verified that there are some debts in my name and also a lot of credit research carried out by me, however it was not me who did the research and I also did not do the debts, I am XXXX  and during this period I was in XXXX, so it would be impossible for me to have done so. So, I can prove that I was not in the United States when these things were done. This is really damaging my credit, as I was possibly the victim of some fraud.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have recently reviewed my credit report and observed inaccuracies and discrepancies in the personal information reporting. 

Reporting in EQUIFAX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX Reporting XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Reporting XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I received a copy of my consumer report on XX/XX/2024 and there is some incomplete and non accurate information reporting to my report! According to he FCRA when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! This account XXXX XXXX XXXX XXXX # XXXX ) Is incomplete and accurate! 

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incomplete or inaccurate. Please see attachments below

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