vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 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: AL

Complaint narrative:
I have sent disputes to the credit bureau regarding accounts reporting that I have no record nor recollection of I also reached out to the company for debt validation. I have not received information validating the debt nor have the accounts been removed from my credit report. Furthermore, these disputes went over the 30 days that is allowed and should have been removed. My FTC report has also been ignored and accounts not properly researched that was apart of my FTC filing due to fraud. I lost my wallet and all identifying information and have been battling incorrect information on my credit report since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I submitted a complaint, 1st to Wells Fargo and second to CFPB, RECEIVED totally different responses from the direct WF complaint and the complaint thru CFPB. I Do believe there's fraud on the account. Wells Fargo accepted to do the modification and after two trial pmts backed out of the modification. And placed the house back on foreclosure. I filed XXXX XXXX to keep the house but now looking at the recorders office records. It showes the house was sold and recorded sold prior to the trial of modification. It showed sold to an address not a person XXXX XXXX XXXX. 3 yrs later the escrow acct is still in my name, showing the date that I originally purchased and made 1st PMT on XX/XX/2013 and I was also able to login to Wells Fargo as I use to do. And it showed all the info of the escrow acct. It requested my SS # my birthdate and it gave me the current balance as of 4 months ago, which was 1st PMT made on XX/XX/2013 and current balance of {$120.00}, XXXX XXXX I've requested a request from WF as to the escrow info and never provided anything. When there's a foreclosure. The acct gets paid in full. But that did not happen here. My escrow acct continued on the property. 
XXXX XXXX XXXX XXXX, XXXX AZ, XXXX. Recently the house was under contract for lease to own. I called the leasing office and told the about the situation and they reversed the contract that was signed s month prior. An atty asked me to contact you again and explain because there was a lawsuit from this office to WF. Was I included in the class action against WF. Hoping to get help on this fraud case. See Next Comments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
A Bank of America inquiry on XX/XX/2023 applying for a unlimited cash rewards visa signature card. Refer # XXXX. I didn't apply for this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I am a XXXX XXXX. I sometimes send money through this app to family and friends. My father sent me cash I gave to him to pay my bills. It is the XXXX & I got these on the XXXX. My account was closed by Robinhood but I have XXXX XXXX dollars I have no access too. There was a remediation process on the XXXX that took 10 days and I still have not received my funds. Business is slow this time of the year so for them to hold my funds this long, I have lost money, customers and I am behind on bills. Please help me get my hard earned money they have no right to take. I asked many times to close my account and return funds. They closed it but no access to my money still. I have no access to any of my old accounts I signed up with, because I was a victim of identity fraud, and it gives me no option to cash out my money to a new card or account. And doesnt give me an option to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: OH

Complaint narrative:
I went on XXXX XXXX to check my credit score on Tuesday, XX/XX/2023, because I have to keep an eye on it and see how it's doing every couple months. I have no loans, credit cards or any kind of obligations other than utilities or doctors visits and I will not take anything on credit ever again if I can help it. I just completed a XXXX  XXXX in XX/XX/2023. That being said, I have been receiving an astronomical amount of mail with offers from car dealerships, credit card companies and loan officers with their hopes of my acceptance. I just throw them in the trash. 

On XXXX XXXX today I noticed there was XXXX hard inquiry where there were none before, mind you I have applied for nothing in almost 2 years or more. The site has changed some and I couldn't click directly on it so I tried another way and it looked like it was XXXX  XXXX, which is XXXX of the biggest harassers I have. So, this begs the question, did XXXX XXXX do an inquiry without my consent? or Did someone else dig XXXX of they're mailings addressed to me out of the trash and apply in my name? 

Fraud? vs Scam? I would sure appreciate someone looking into this for me. I just cleaned everything up on my credit report and want to keep it that way. I would like that inquiry mark removed because it wasn't me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I went on XXXX XXXX to check my credit score on Tuesday, XX/XX/2023, because I have to keep an eye on it and see how it's doing every couple months. I have no loans, credit cards or any kind of obligations other than utilities or doctors visits and I will not take anything on credit ever again if I can help it. I just completed a XXXX  XXXX in XX/XX/2023. That being said, I have been receiving an astronomical amount of mail with offers from car dealerships, credit card companies and loan officers with their hopes of my acceptance. I just throw them in the trash. 

On XXXX XXXX today I noticed there was 1 hard inquiry where there were none before, mind you I have applied for nothing in almost 2 years or more. The site has changed some and I couldn't click directly on it so I tried another way and it looked like it was XXXX  XXXX, which is XXXX of the biggest harassers I have. So, this begs the question, did XXXX XXXX do an inquiry without my consent? or Did someone else dig one of they're mailings addressed to me out of the trash and apply in my name? 

Fraud? vs Scam? I would sure appreciate someone looking into this for me. I just cleaned everything up on my credit report and want to keep it that way. I would like that inquiry mark removed because it wasn't me. 

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 2023-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is conducting UNFAIR BUSINESS PRACTICES. 

Wells Fargo ignored my questions in the complaint and glossed over one element and did not address the 5 resolutions that are needed.

1. Wells Fargo needs to reimburse me for over charging me for home owners insurance.

in 2022 my insurance bill of two policies totaled {$12000.00} ; Wells Fargo charged me {$19000.00}. Wells Fargo owes me {$6600.00} from 2022.

2. Wells Fargo claims are " shortages '' year after year, yet year after year they have overcharged me. Wells Fargo needs to repay in full for every year they have conducted this unfair business practice.

3.Wells Fargo needs to give me the full escrow report. I never asked for an escrow account. I have asked to have it closed a multitude of times.

4. Wells Fargo needs to pay interest on all over charges for the length of the loan.

5. I would like to close the escrow account, and be reimbursed for overpayments.

6.I would like to be reimbursed for all fees charged by wells fargo that was stated in their offer letter to defer payments until the end of term at no cost or penalty to homeowner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I ended getting charged {$70.00} in overdraft fees which I believe is ridiculous seeing how that has never happened before, my card has always just declined whether it be a purchase made for that day or a subscription. 
The XXXX charges that were over-drafted were subscriptions these being : -XXXX  {$14.00} on XX/XX/23 -XXXX XXXX {$22.00} XX/XX/23 The day prior my available balance was {$7.00} which means that no matter what, that amount available could not have covered those charges which is why my card should have declined as it always has in the past. 
I believe these overdraft fees are unfair to me because instead of allowing these charges to go through, the card should have declined.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Rent Recovery Solutions
State: IN

Complaint narrative:
I have errors on my credit report and want them removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tesla, Inc.
State: NY

Complaint narrative:
copy of my letter to collection agency and Tesla Re : Tesla Ref : XXXX, XXXX  XXXX Sir/Madam I hope this letter finds you well. I am writing in response to the claim you have filed against me regarding the return of a vehicle leased from Tesla. I would like to address each of the points you have raised as follows : 1. The car was in legal compliance with the state of New York 's Department of Motor Vehicles regulations. It met all the necessary requirements, including but not limited to registration, inspection ( which includes tire conditions ), and insurance. I have upheld my responsibility in ensuring that the vehicle was following the applicable laws during the term of the lease.

2. All the tires on the vehicle were in good shape. In fact, I had provided photographic evidence of the tires ' condition to Tesla prior to the return of the car. The tires were properly maintained and met the safety standards set forth by Tesla. The vehicle had only XXXX miles after 3 years. 

3. At the time of return, Tesla accepted the car without stating any issues with the tires or any other aspect of the vehicle. If there were any concerns regarding the condition of the tires, it is reasonable to expect that Tesla would have communicated them during the return process. However, no such communication occurred, and I proceeded with the return based on the acceptance of the vehicle by Tesla.

4. It is important to note that Tesla requested the return of the vehicle to a specific location, which was not originally agreed upon in the lease agreement. As a result, I incurred the loss of a day 's work to fulfill their request and avoid any further complications. I acted in good faith and followed Tesla 's instructions, which resulted in financial and professional inconvenience for me. 

5. I understand my claim for lost wages resulting from the decision to return the car to a location outside of the lease agreement. However, it is crucial to recognize that this decision was made at the request of Tesla, and I complied in an effort to address the situation efficiently. As a result, I incurred financial losses, including additional expenses and the time taken away from work, which directly impacted my ability to earn wages during that period.

6. Based on the aforementioned points, I firmly believe that the claim against me is without merit. I kindly request that you reconsider your position and withdraw the claim. If you persist in pursuing this matter, I will be left with no choice but to take legal action against Tesla and XXXX, XXXX XXXX. Please be advised that if the claim is not withdrawn by XX/XX/2023, I will proceed with filing the necessary legal action. 

Thank you for your attention to this matter. I trust that we can reach a fair resolution without further legal action. Please contact me at your earliest convenience to discuss this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
Dear Consumer Adjustment Company, I hope this letter finds you well. I am writing to bring an urgent matter to your attention regarding a fraudulent collection account that has appeared on my credit report. I kindly request your immediate assistance in investigating and removing this account from my credit file.

I have recently discovered that a collection account, listed under Consumer Adjustment Co XXXX, has been erroneously added to my credit report. This account is associated with XXXX XXXX  XXXX XXXX, and I want to emphasize that this collection is entirely fraudulent and should not be linked to my credit history in any way. 

To support my claim, I have filed a police report with the XXXX Police Dept. regarding this fraudulent activity. Enclosed with this letter, you will find a copy of the police report for your reference and review. The report clearly outlines the details of the fraud and confirms that I am a victim in this case.

I am greatly concerned about the negative impact this fraudulent collection account may have on my creditworthiness and financial well-being. It is essential that this false information is removed promptly to restore the accuracy of my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request the following actions to be taken : 1. Immediate investigation : I request that you thoroughly investigate the legitimacy of the collection account in question, taking into account the evidence provided, including the attached police report. 

2. Suspension of reporting : I request that you suspend any reporting of this fraudulent account to other creditors, lenders, and credit bureaus. Continued reporting of this fraudulent information would only exacerbate the harm to my creditworthiness.

3. Removal of fraudulent account : I kindly request the immediate removal of the fraudulent collection account from my credit report. This step is crucial to ensure the accuracy and fairness of my credit history.

I understand that the FCRA mandates a prompt response to consumer disputes, typically within 30 days. Given the urgency of this matter, I kindly request that you expedite your investigation and resolution process. Timely resolution of this issue is of utmost importance to prevent further damage to my credit standing and financial reputation.

Please acknowledge receipt of this letter and provide me with a written confirmation of your investigation process and any updates regarding the status of the fraudulent collection account.

I appreciate your attention to this matter and your cooperation in resolving this issue as quickly as possible. I trust that you will handle this dispute with the utmost professionalism and adhere to the necessary guidelines outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: VA

Complaint narrative:
i found some inquiries on my credit that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: FL

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: NM

Complaint narrative:
XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my consumer credit report/file that 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 non-monetary relief
Consumer complaint received 2023-08-15 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: FL

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly.

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: FL

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly.

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: IL

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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