vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XX/XX/2022, a checking account was opened at Wells Fargo in my name but not by me. There was a XXXX dollar balance so I didn't worry much about it until I received a letter in the mail in XXXX stating that " because I receive interest income, I need to sign, date and return the enclosed form W-9 to confirm your Tax Payer Identification Number as required by the IRS. '' I know better than to share my social security number, so I went to a Wells Fargo Bank on XX/XX/XXXX to speak with someone about this fraudulent account. She explained that it was fraud but stated no one at Wells Fargo was responsible. I disagree with her because someone had to approve the account in order to open it. 

During that visit, I closed the account and then went home to change my logins and passwords. I also put a freeze on all three Credit Reports.

I worry that some people may not know better and will fill out the W9 form providing more personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my report now for over 8 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of XXXX. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others that do not reflect the last payment date. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX, XXXX account # 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am seeking litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX, XXXX account # 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am seeking 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 explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AmeriCash Holding LLC
State: SC

Complaint narrative:
Americash Loans sent a automated text message to my cellphone on XX/XX/XXXX at XXXX am. They immediately followed with an email same date and time. 

I sent them a letter telling them they were in violation of consumer laws. I requested they only contact me by XXXX only. I was very explicit with this. They later was dated XX/XX/XXXX. It was sent registered mail with return receipt. I received proof of delivery with a signature on XX/XX/XXXX. I have not received any response to my letter but the continue to email me and send automated text messages. XXXX of them are at inappropriate times. XXXX am on XXXX XXXX and XXXX on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I made a payment in full on XX/XX/22 to Credit Collection Services reference # XXXX XXXX XXXX in the amount of {$1100.00}. The rep took my payment and stated they will remove collection from my credit report once paid. My conversation was recorded on XX/XX/22 with the rep when I asked once paid will it be removed & she said yes. I requested a letter via mail requesting proof of payment and of XX/XX/22 no document sent to my home. I made the payment based on the verbal agreement of the collection being removed from all three credit bureau 's. I called recently to ask them why it still reported as a collection on my report when they agreed to delete it upon receiving payment in full and they said by law they have to report it Ive asked which law states they have to report it and they couldnt tell me. 15 usc 1681b ( 2 ) statesany consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave credit collection services any written instructions to furnish anything on my report and demand the delete it immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: CA

Complaint narrative:
On XX/XX/2022 I was requested by Bank of America fraud claims department to go to my nearest branch to identify myself due to my identity being compromised. On XX/XX/2022 I submitted a claim with CFPB addressing my concerns with the branch malpractice / negligence. The company responded on XX/XX/2022 only addressing the fraud that happened on my Bank of America account. The company failed to address the malpractice I mentioned when I visited the branch on XX/XX/2022. The company has not reached out to me regarding my concerns of banking negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Until XXXX I had a checking, savings, and credit card through Bank of America. I was informed that my account was frozen due to accusations of fraudulent activity. The accusations were that fraudulent checked was attempted to be deposited in my account and then waithdrawn at a ATM machine. I informed the risk department at Bank of America that it was not me and my card had been stolen at a bar. The decision was then made to close all accounts by the bank without any investigation being done. I was then notified by XXXX bank and multiple others that I am unable to open any accounts due to Early Warning System placed by Bank of America. Every ATM has Camaras to show who every transaction if a investigation was done that would have proven my innocence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX Account number XXXX To whom it may concern : I have been attempting to resolve the unauthorized charges on my credit card for {$9500.00} that was charged on XX/XX/XXXX. I reported these charges as fraud and was refunded the money back on XX/XX/XXXX. In XX/XX/XXXX these same charges were charged back to my credit card. I called customer service and was told I needed to file a dispute for these charges. On XX/XX/XXXX I faxed my dispute to Chase. In XX/XX/XXXX I began calling and sending secure messages trying to find out what was happening with my dispute, no one could give me an answer stating the dispute was still in process. I later learned that on a few of times I called the customer service rep. opened up another dispute which allows another 30-35 days to process. I continued to send secure messages asking for help to resolve this issue. The only response I would receive was an automatic response stating that someone would contact me when the process was completed. To this day no one has ever contacted me regarding this matter and the bank website still shows this dispute is still being processed. This has also decreased my credit score by XXXX points in the beginning and recently another XXXX points I would like this to be corrected since this is at no fault of mine. I met with XXXX XXXX on XX/XX/XXXX but he was not able to help me resolve this matter and told me he was turning this over to upper management. He said I would be receiving a call from someone in management in approx. 5-10 business days. I still have not heard back from anyone as of today. On XX/XX/XXXX I called and was transferred around to several people and finally spoke to someone named XXXX, after discussing this situation with him the only thing he could tell me was the bank would not be able to refund the money to me because of the amount of time that has passed. This is totally unacceptable, I did not authorize or receive any services for these charges and I have been begging for someone to help me close this dispute. To this day the dispute still shows that it is in progress and I still have not been any reason why the bank never responded or made any effort in helping me with this situation. I have attached all of the information regarding the attempts I have clearly made to resolve this matter. 

Thank you in advance for your time with this matter. 
Please feel free to contact me via email XXXX or cell phone XXXX XXXX or work XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following account have violated my rights. XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MS

Complaint narrative:
Caliber Home Loans failed to make my escrow payment to my County taxes for my Home. I received a letter from XXXX XXXX County telling me my taxes were delinquent. I called my escrow department and they could not give me a answer on why my payment was not made. I went to the court house and made my XXXX tax payment plus the first XXXX months of XXXX because of the non payment of my taxes. I paid XXXX towards the last XXXX months of taxes. I faxed Caliber Home loans my receipt of payment and asked for a refund. That was over 65 days ago. When I call all they can tell me is they will be doing an escrow analysis, this has been going on for 65 days now and no analysis.Management refuses to call me back and caliber refuses to refund me my taxes. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
In XX/XX/2021, I applied for a personal XXXX with PenFed in the amount of XXXX USD through their Website. Upon finishing the application, I was requested to submitted additional information to confirm my identity such as my state ID and my Social security card, as both me and my father have the same exact name ( no junior or senior ) but different dates of birth and S.S numbers. After that initial request, I received emails 3 additional times to resubmitted these documents to confirm who I was, and I resubmitted each time. Once they had received my information Multiple times I then received an email stating that I was approved and would received a check in the mail. Once the check had arrived, I deposited the check into my account. roughly a week later I received a letter in the mail with the account information so I can make the payments and is when i had noticed that the last 4 numbers if the social were not mine. I called Penfed to try and have this corrected but have not been able to have this done. After some time of Penfed stating they would fix this issue and would send out a letter, we found out that it was my father 's social as it appeared on his credit report. My father did not authorize for them to use his social as i provided all my information. Eventually, Penfed tried to fix the issue by running my credit to see if I would be approved for the loan but unfortunately did not and did not provide any other remediation to an issue they created if they would have seen the verification documents submitted. My father did not agree under any terms to have a loan in his name and nor do I know his social security number and to this day we are unsure how the accounts got mixed but Penfed has offered no recourse to resolve this issue of stolen identity on their behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: HI

Complaint narrative:
I had received emails that informed me of an outstanding balance on my credit. I have not now, nor have I ever opened a line of credit. Completely unfamiliar with the process, I called my bank and then submitted disputes with all three credit reporting agencies. Only partial progress was made until cooperation was needed from Genesis FS Card Services. 

On 2022 XXXX XXXX at XXXX XXXX XXXX, I called Genesis FS Card Services and spoke to a representative : the system referred me to a live representative and then hung up on me. I called again to speak to a representative who identified herself as " XXXX '' who I informed that the account in question is fraudulent and was not opened by me. I was subsequently placed on hold and then held a conversation with a person who did not initially identify themselves but had a distinctly different accent. This representative directed me to indentitytheft.gov to mail a copy of a document to Genesis FS Card Services XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX and told me it would take 30-60 days to process my claim. This seemed to be an attempt to prolong this process and intentionally make it more difficult to resolve, this is supported by the dismal reviews they have at the XXXX They claimed the account would be frozen and subsequently closed. 

Any investigation into this matter will show a number of inconsistencies with the manner the account was opened, the information given to Genesis FS Card Services to open the account is inconsistent with any address or phone number I own. The time and location that the account was opened should be further proof that I was not the one who opened it. I am an XXXX  military member whose home of record is XXXX, XXXX. I currently reside in XXXX, XXXX  and therefore could not and would not have given an additional address I have never lived in and a new phone number in order to open a new account. Additionally, I have no need to open up a credit account as I have never used credit and have my finances in order, there is no precedent for this behavior in XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. This states that i have the right to privacy. 15 U.S.C 1681 section 604 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 2022-06-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 a account without my written instructions. 

Please delete from credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX, XXXX XXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX 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 a account without my written instructions. 

Please delete from credit report immediately.

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