vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
wells fargo I sent them letters of recission and that I didn't take a loan with them they stole my car sent a third party named XXXX XXXX from XXXX to steal it off no trespassing and gate and fenced yard they hooked up their tow truck and stole my car didn't knock or ask could they come on my property i have a video of them doing this and also they stole it on XX/XX/2022 and they never loaned me anything anyways the law is gold and silver coin in article 1 section 10 and it states in 12 us code 83 that banks dont ' loan money so I want all money they took for the car and all money I paid in for it the XXXX XXXX XXXX XXXX also stole my passport, social security number, birth certificate, driver XXXX, they stole my underwear, socks, hoodies, tools, and more and they came to my property and stole my car under a collection company and they are on XXXX XXXX XXXX XXXX and they stole my marriage license too to my husband, my drill, they stole more I called the XXXX police while I was there getting my things from my car, the police tried to arrest me for calling the cops which I find odd. The guy is trying now to take out XXXX XXXX cards, and discovery cards on my credit and he can't I wont ' let him thats going against the law. Someone needs to help me and these people need to pay me the money owed plus pain and suffering I now don't have a car and they done it by seizing and searching on my private property which is against the XXXX XXXX and I went to a dealer ship to get my loan I have never been in a wells fargo period not at all been to a wells fargo I didn't willfully knowingly and intentionally go into a loan with them. I sent them letters to take it off my credit and recission letters and they are ignoring me and saying you went into a contract now pay us all you owe us and I am like no I am not paying you you stole my car and I did call the cops but XXXX I live in XXXX XXXX and I have a cease and desist on my cops for them doing something else to me. So they wouldn't take a complaint from me. I am not sure what I need to do but I need they frauded me and I know it.

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
On reviewing my yearly escrow statement, I noted that Mr Cooper aka Nation Star had claimed to have paid {$5500.00} in property tax, though the amount due was {$2100.00}. I reached out to my mortgage company and made them aware of the error on XXXX XXXX, 2023 that the amount was in error and needed to be corrected. They closed the ticket and said they would investigate. This resulted in no action. 

I received a notice that my payment was being increased due to escrow, and again reached out to them on XXXX XXXX, 2023. Again, they said they would investigate and closed the ticket. 

In addition to this, I contacted the XXXX XXXX XXXX 's XXXX on XXXX XXXX, 2023 to determine the location of the refund for the overpayment, as my escrow account did not appear to reflect any refund over the overpayment. I was then informed that Mr Cooper had not, in fact, paid {$5500.00}, but instead had paid the correct amount, {$2100.00}, while claiming to have paid {$3300.00} more as reflected by my escrow statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay Servicing, services our mortgage. We previously tried to work out a loan modification but they were impossible to work with, and eventually we were forced to file for XXXX XXXXXXXX bankruptcy to keep our home. During our bankruptcy were able to successfully negotiate with the lender XXXX Bank and structure an agreement to save our home and renegotiate our mortgage. Our bankruptcy was successfully closed on XX/XX/22 and Fay Servicing was informed of the judgement by both the court and our attorney. Not only do Fay 's Statements reflect a different amount owing then what the court decided on, they show us being arrears, and show an unapplied amount due. We have paid every payment based on the inflated amount that is more than the court ordered, but in order to be compliant we felt that we needed to pay. They will not speak to us as they say that we are still in bankruptcy, nor can we access our account to see payment application because they indicate we are in bankruptcy. Our attorney has sent multiple requests subsequent to the notices sent by the court, but Fay Services refuses to follow the courts order. We need to be able to access our account, speak to representatives and figure out why monies are being held in escrow and why our account is showing as passed due when all payments were made per court request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Accounts illegally open in my name I no longer lived at the address and or never lived at the said addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Accounts illegally open in my name I no longer lived at the address and or never lived at the said addresses

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 2023-02-03 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: WI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: FL

Complaint narrative:
I acquired my credit report and asked the credit Bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i. 

I waited XXXX days and I haven't received nothing. It has been over XXXX days. 

And XXXX more thing, they didn't even record the current status of the disputed information. 

Equifax, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is not doing its job according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Someone fraudulently was able to have a new debit card sent out on my checking account and also did a change of address in my name at my home ( unknown to me at the time ) and used debit card to get cash out at an ATM 6 times at a bank approximately 9hrs from where I live. I noticed the charges a coupe of days after and called the bank. They canceled that card. Apparently after it being canceled, that person tried using it again. I had the USPS do an investigation on my mail and found someone had forwarded my mail down to an address in Florida ( close to where the atm withdrawals were done ) which explains how they got the atm card. The bank will not refund these charges. They total {$2300.00} all together with the atm fees. I have provided proof of the fraudulent activity and still they will not refund my money.

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 2023-02-03 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: CA

Complaint narrative:
IN accordance to the Fair Credit Reporting act, EXPERIAN, XXXX, AND XXXX ARE IN VIOLATION OF Section 1681, 1681b ( c ), 1681 ( C ) 1681S ( 2 ), While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Experian Inquiries : XXXX XXXX XXXX XX/XX/2021 XXXX OF XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX inquiries : XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX inquiry XX/XX/2021 XXXX XXXX inquiry XX/XX/2021 XXXX XXXX : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX EXPERIAN, XXXX, AND XXXX ARE IN VIOLATION OF I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Experian, XXXX and XXXX permission to furnish this this information onto my credit report. This is a violation of the XXXX Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inaccurate.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: FL

Complaint narrative:
XX/XX/2023 I tried to register for an account with Credit Karma online. I was unable to as someone else, who is not me, nor did they have my permission to, created an account. The fraudulent email used was XXXX. I filed a police report for identity theft, XXXX. I have been experiencing Identity theft for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am XXXX XXXX XXXX. In XXXX of 2021, I was scheduled for XXXX XXXX XXXX. My doctor asked me to go to the XXXX for a check up beforehand for routine cleaning and X-rays. I did not have a XXXX, so I used a XXXX referral number and chose a location near where I live. When I went to the XXXX they had me fill out a lot of paperwork and they did procedures on me that I do not believe were necessary and which went far beyond what I had requested. They gave me an estimate for the work and had me sign off on it. As I was leaving, I asked them to send me a bill so I could pay them by check. I never received a bill from the XXXX. Some time later, I received a credit card from a company named CareCredit. I had never heard of CareCredit, so I believed I had been a victim of identity theft and called them several times to let them know I had not opened the account, but they did not get back to me. About a year later, I received a debt collection letter from a law firm claiming to represent Synchrony Bank which issued the credit card. I told them it was not my card and I had not applied for it. They did a fraud investigation and said it was my card and for the first time I learned that the XXXX had signed me up for the credit card without my knowledge or consent. I was never given the terms of the account before charges were made.

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 2023-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I owed a {$3000.00} debt to XXXX XXXX  to XXXX and equifax. I disputed it with equifax and theyare the only one not to remove the credit off my account. This is a case of fraud on my account and im trying to start my credit junory but this is stopping me for continuing with my life. I have uploaded a picture showing the disputes i have uploaded and you can see the dates. They have not even took the time to review the case. The results of there case was that im still at fault. How could i be at fault for fruad?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/2023 I received email to verify my email address with Bank of America XX/XX/2023 I received email stating my application was denied by Bank of America for a SafeBalance Account - under name of XXXX XX/XX/2023  I received email to verify my email address with Bank of America XX/XX/2023 I received email that my " application '' was being processed with Bank of America under my name XX/XX/2023 I received email stating my application was approved with Bank of America under my name XX/XX/2023 I received email welcoming me to Online Banking with Bank of America under my name XX/XX/2023 I received email to verify my email address with Bank of America. 

I in my almost 50 years have never had a Bank of America account, credit card, loan, etc. I have never banked with them and never applied for anything with them. 

I called Bank of America fraud department- they say they can not do anything because I will not supply them my social security number. Bank of America supplied me via email with an application confirmation number and the last six digits of an account number and they are saying they can't do anything without a social?? I will not give them my social, it's a fraud case to begin with.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Payfare International Inc.
State: CA

Complaint narrative:
They temporarily suspended my account and said call customer support to reactivate I have tried numerous times to get ahold of them every time I call I wait on the phone for XXXX then it just hangs up on me meanwhile Im stuck at a gas station unable to put fuel in my car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: NJ

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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase addressed me as my personal maiden name in regards to a business that does not have me listed under my personal maiden name to pull my personal credit for a business credit card. Therefore, they illegally pulled up personal information from their internal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: WV

Complaint narrative:
I had a credit card with XXXX XXXX that I paid off back in XXXX or XXXX. When I paid it off I told them to close it because I had only gotten it for tires, however they did not close it and someone gained access to it and maxed it out. I have disputed the transactions with XXXX, and was told that because whoever used the card new the cvv code ( they had the physical card because it was not in my possession so of course that had the cvv ) and they knew my zip code ( a simple XXXX  search of my name would have given them this, and my name is also on the card ) that the transactions were valid. Theyve now reported the account as a charge off and sent me to collections, so I disputed the account with experian and they stated that the creditor says the account is accurate but its not and Ive been trying to get this fixed for over 6 months.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a copy of my credit report in XXXX of XXXX. I began my disputes since XX/XX/XXXX. I have sent several FTC letters to this company along with a police report complaint # indicating that my identity had been compromised & that they were reporting fraudulent accounts on my report, affecting my credit worthiness and negatively impacting my life. Along with these reports I have provided written letters to this company several times to which I have the tracking numbers too, letting them know of ALL of the many consumer laws they were breaking. They have ignored my concerns and continue to lie over the phone stating that they haven't received any of my letters. Prior to this another supervisor told me my documents were received but not validated. When asked to explain how legal documents were not validated, he suggested sending them again, costing me extra funds. Below I have attached the letters sent to this company time and time again. This is a privately owned company acting outside the laws. I HAVE SPOKEN TO XXXX AT EXPERIAN ON XX/XX/XXXX AND I HAVE RECORD OF SPEAKING TO XXXX XXXX AT XXXX WHO CLAIMS TO BE A SUPERVISOR ON XXXX XXXX. 


HERE ARE SOME OF THE SEVERAL LAWS THEY HAVE BROKEN : According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D

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 2023-02-03 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: FL

Complaint narrative:
I acquired my credit report and asked the credit Bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I haven't received nothing. It has been over 30 days.

And one more thing, they didn't even record the current status of the disputed information.

Transunion, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is not doing its job according to the law.

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