vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
Milestone sent me an online application for their card. I entered my information to see what the rates and terms were. However when I went to view the rates and terms the website said I was approved and being sent a card. I didn't want the card or the account with Milestone, I only wanted to check rates. Next they sent me a {$300.00} limit card on it with a {$75.00} bill due already, and I hadn't activated an account with them. 
Now I am trying to let them know they sent me this card in error and I don't want it. A {$300.00} card with a starting {$75.00} fee is ridiculous and I wouldn't have accepted such an offer. I'm on hold and being transferred but nothing is getting resolved. 
This is bad customer service. They are tricking people into checking rates and then instantly sending out a card before rates and the card can be accepted or denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
WellsFargo Bank used my social security # with another persons name to open an account with my ex-spouse XXXXXXXX XXXX XXXX. I contacted WellsFargo Bank I was told my name was removed but my social secuynumber was never removed!! WellsFargo Bank committed bank fraud which ruined my credit worthiness.

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 2021-12-07 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I received a collection notice on XX/XX/2021 from McCarthy Burgess & Wolff ( Reference # XXXX / Account # XXXX ) and called them on the same day to confirm that the XXXX account associated with this notice is fraudulent and my identity has been stolen. I filed a police report with the XXXX XXXX Police Department, filed a fraud report with XXXX XXXX and also with the Federal Trade Commissions Report that this Identity Fraud occured I have called and spoken to XXXX XXXX numerous times ( spending hours on the phone ) to provide this information, and have been transferred around various departments, all of which said nothing can be done about this identity fraud, as the account is now closed. They also accused me that it was me who open this account, and when I asked for proof of how my identity was confirmed ( driver 's license ID, passport, or video evidence or audio evidence they were unable to provide this. The number and email address were not mine either! ). I have provided all the above information to the collection agency, who have said no further action will be taken, however, I have asked, as per the FTC guidelines that XXXX provide me with a letter confirming the account is closed, it's not my liability or was my account, and it will be removed from my credit report, which is currently hurting my business and personal life in securing any further credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
When opening my checking account with Chase Bank I chose to opt out of any overdraft protection. Back on XX/XX/XXXX I had an available balance of {$9.00} and a debit card charge for {$310.00} came thru on my account which. A used me to be over - {$300.00} overdrawn, but they should have never allowed the transaction to go thru. They allowed 3 more Separate transactions to go thru on XX/XX/XXXX & XX/XX/XXXX while my account was already overdrawn- {$300.00} and then charged me a {$34.00} NSF fee for what they called a " recurring debit charge '' from XXXX which in fact isn't a reoccurring charge at all. Any XXXX charges are random different amounts and not on any set schedule. I then made a deposit into my account which covered any negative balance. I also sent an email message to them at this point expressing my dismay and reminding them my account was opted out of overdraft protection. Then again on XX/XX/XXXX they allowed transactions to go thru on my account causing it to be become overdrawn again. They allowed 4 separate debit card transactions thru, and then access 2 {$34.00} NSF fees on the account as well creating it to go even further negative. Again stating it was for " reoccurring debit card purchase '' for an XXXX transaction that's clearly not a reoccurring purchase. They continued to do this for 8 more debit card transactions on XXXX, XXXX, XXXX, and XX/XX/XXXX. So I again messaged them expressing my concerns for the way they were handling my account as I had chosen to be opted out of any sort of overdraft protection. 
So because they realized they messed up they credited my account on XX/XX/XXXX for {$34.00} for one NSF fee they took out previously and also credited {$10.00} for reversal of some ATM fees as a courtesy for their mistake. This still left my account over - {$400.00} overdrawn. They're still continuing to allow transactions to go thru on XXXX, XXXX, XX/XX/XXXX. So as of today XX/XX/XXXX my account is overdrawn over - {$750.00}. from continually disregarding my choice to have my account opted out of overdraft protection and multiple NSF fees assessed. None of these transactions should have ever been allowed thru/paid. There is no way I can cover this large of an amount to bring my ( only ) checking account to a positive amount. And the fact remains I shouldn't even have to cover this as these transactions should have never been allowed thru/paid. Now because of their wrong actions I'm going to be a sad statistic included in the 22 % of Americans who are unbanked, when I shouldn't be.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07 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: AZ

Complaint narrative:
I was checking my credit report! Im very disappointed that you put all these negative information on my name! I have no idea where did you get it, I have never apply for any of these accounts. Im pretty sure that someone hacked my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, I am the consumer, natural person, original creditor. 

It has become a great concern of mine with how I am being handled and ignored by the alleged debt collector, Carrington Mortgage Services. They refuse to abide by federal consumer laws. They blatantly ignore the laws presented to them as if they are beyond the laws. The Fair Debt Collection Protection Act was created by Congress to protect consumers from abusive debt collection practices. Carrington Mortgage Services have invaded my privacy on many occasions. They have ignored the Debt validation letter I sent them on XX/XX/XXXX. They are still sending me communications via the mails. I sent an Affidavit on XXXX XXXX, 2021. It was received on XXXX XXXX, 2021. They have yet to respond to my affidavit. They sent a letter requesting a copy of my driver 's license. They have been communicating with me without that information. It hasnt stop them from sending mail before. But when I asked for the name and address of the original creditor, now they need a copy of my drivers license. I do not trust this company. I think they will go to great lengths to hide their fraud, not to mention Its a delay tactic. 

Carrington Mortgage Services continue to ignore the federal laws as it pertains to debt, I received ( 6 ) envelopes on the same day with " A notice to Occupant of Pending Acquisition ''. That is blatant harassment and abusing the debt collection practices. They are nothing more than the servicing agent and have no authority to foreclose. This loan was sold several times and it was also placed in XXXX which means the alleged loan was converted to a stock along with being bundled up with thousands of other loans. It is a huge deception to receive payment from the homeowner, and the loan was satisfied 30 days after the closing. Again, it is no longer a loan but it has been converted to a stock. 

I have repeatedly asked for the name and address of the original creditor. They refuse to provide this information. This information will solve the issue. 

I am requesting your assistance in getting this matter resolved. I have attached the Debt Validation letter and the Affidavit for your review. 

Please let me know if you desire more information. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
This account appears on all three of my credit reports. The next company is listed as XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account.The balance due has been inflated and reported as a incorrect amount for years. the balance is now {$0.00} after i confronted them about the incorrect reporting amount and status This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.

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 2021-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My wife and I owned a XXXX XXXX XXXX XXXX recreational vehicle ( RV ) that we purchased and financed through Bank of America in XX/XX/XXXX. There was never an issue with the monthly payments or any other issue that could have created issues at the termination of the loan. 
On XX/XX/XXXX, we sold the RV to a couple from XXXX, TX. The couple financed the purchase with a loan from XXXX XXXX XXXX XXXX XXXX for the amount of {$240000.00}. The payoff of the loan would have been approximately {$150000.00} leaving an over payment of approximately {$91000.00} which should have been sent directly back to us. As of XX/XX/XXXX, we have not received the over payment or a satisfactory answer as to why we have not received the funds. 
The check from XXXX XXXX was sent 2nd day XXXX to Bank of America on XX/XX/XXXX. The check arrived at their facility in XXXX, FL, on XX/XX/XXXX, at XXXX AM. See attached. 
I received notice on XX/XX/XXXX, the payment had been applied to my loan and the account was paid off. During the period from XX/XX/XXXX to XX/XX/XXXX, Bank of America continued to charge me interest on the loan. 
I was informed by BoA that the overage amount required it to be held for 3 weeks so they could verify the funds. I had just a few days earlier had a conversation with a BoA employee who stated he had verified the check and all was good. This didn't appear to make any difference in the 3 week waiting period. I was also informed the over payment would be available for release on XX/XX/XXXX. 
On XX/XX/XXXX, I contacted BoA regarding the payment and was told I would have to wait an additional 3 business days to have the funds transferred to my BoA checking account. It is now XX/XX/XXXX, and I have not received the funds nor can any of the dozen or so " associates '' I've discussed this issue with provide me with a date as to when I'll receive my funds.

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 2021-12-07 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: LEXISNEXIS
State: PA

Complaint narrative:
I am submitting this complaint myself. There is no third party involved. 

The Fair Credit Reporting Act ( FCRA ) is intended to protect consumers from invasions of privacy, and my privacy as the consumer has been invaded ; I sent 2 letters already to this reporting agency where I provided my written instruction to remove/delete the Public Record ( Bankruptcy ), and if they could not remove/delete, I asked them to provide the investigated report that was used to verify this record, to provide written authenticated proof of authority sworn under penalties of perjury upon their commercial liability insurance, to provide written authenticated proof of claim sworn under penalties of perjury upon their commercial liability insurance, among few other things, to be able to verify/validate this record ; This company claims to have obtained this Bankruptcy record from XXXX XXXX XXXX XXXX but in the evidence I attached, you can see that United States Bankruptcy Court advised that they do not furnish this type of information to any Bureaus or Credit Reporting Agencies so why is this company reporting this ; Also, in accordance with 12 CFR 1022.41 ( c ) ( 2 ), a furnisher can not be a consumer reporting agency as defined in section 603 ( f ) of the FCRA, therefore, since this company furnished this record to the other reporting agencies such as XXXX and XXXX, these disputed items will need to be removed immediately.

Lastly, there are inconsistencies and inaccurate information across all three of my consumer credit reports which lack integrity from the furnisher ( s ) in accord with 12 CFR 1022.41 ( d ). For example, the Bankruptcy record in the XXXX report is showing a different address for the Court which is different than what XXXX shows, and XXXX does not have any address at all ; I asked for documentation to be provided to me if the disputed record can not be deleted and this has not been granted. Therefore, I want these removed as soon as possible if such evidence does not exist.

Proof of the letter from XXXX is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. The last company is listed as Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.

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 2021-12-07 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-12-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation