vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$20000.00} {$19000.00} WF CRD SVC Account numberXXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$1300.00} {$1000.00} WF PLL Account numberXXXX Date openedXX/XX/XXXX Account typeLine Of Credit Balance on XX/XX/XXXX {$4000.00} {$3500.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XX/XX/XXXXand fatiXX/XX/XXXXue. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.

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 2021-10-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Westlake Services, LLC
State: NJ

Complaint narrative:
Please be advised I did not give this company permission to access my consumer report. Accessing my Consumer Report without my permission is a direct violation of my consumer rights and is a blatant identity theft.

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 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I have been receiving calls from the number since XX/XX/2021. They also called on XX/XX/XXXX, XXXX, XXXX and XXXX. On XX/XX/XXXX, the caller ID was Unavailable. XX/XX/XXXX, XXXX and XXXX are Spam. XX/XX/XXXX is Account Services. I called the number on my cell phone and they identified themselves as Genesis FS Card Services. I have never had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I sold my home in XX/XX/XXXX and my original loan was sold to SPS Select Portfolio Servicing around XXXX. My loan had an impound account for taxes. When escrow closed there was an overpayment to the impound account and I have been unable to get them to send me the overpayment back. They did send the check but with the wrong name. I called in XXXX XXXX and they requested my drivers license and to this day XX/XX/XXXX they still processed the overpayment. I have called in 6 to 7 times and each time they come up with new reason on why they have not processed the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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:
Please be advised I did not give this company permission to access my consumer report. Accessing my Consumer Report without my permission is a direct violation of my consumer rights and is a blatant identity theft.

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 2021-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/2021 my wife and I started a Fixed FHA Refinance with Rocket Mortgage our loan officer was XXXX XXXX. We stated to XXXX that we wanted to refinance but do you Covid 19 we had a lien from our current lender XXXX that was put at the end of our loan to be paid off when 1st mortgage is done. We specifically told XXXX that we need this lien included in this refinance to get rid of it. She assured us that it would get done. Meanwhile days/weeks go by and every time I see a document the {$15000.00} lien is not included and every time it wasnt included I reached out and asked why. XXXX stated dont worry it will be included soon just acknowledge everything and continue with process. I even made it a point to ask XXXX if I should hold on getting {$500.00} appraisal until the {$15000.00} lien shows up on our document and she said no and to go ahead and get appraisal so we did. Meanwhile Rocket Mortgage assigned us a Solutions Consultant named XXXX XXXX that was suppose to facilitate this stressful process but all XXXX did was continue the run around and find ways to circle around the {$15000.00} lien. I emailed and XXXX emailed XXXX the subordinate agreement that shows the {$15000.00} lien that needed to be combined to refinance twice! First time he acted like he never received it which was a lie because I have confirmation on XXXX/XXXX/XXXX  and it was uploaded by XXXX through Rocket Mortgage app 2nd week of XXXX. At the end of this entire stressful process XXXX nor XXXX included the lien in the entire refinance and looks like their plan from beginning which they never mentioned to us in any emails or verbal convos was to refinance the XXXX mortgage only and have the lien remain with XXXX and have us take care of that on our own which is not what we asked for since the beginning. I am a XXXX XXXX XXXX individual and ending result is my wife and I are out {$500.00} when it could been avoided at the beginning if XXXX did not trick us throughout the process and disclosed how lien would be handled. Note, I have plenty of emails to XXXX to justify that my wife and I needed the {$15000.00} lien to be added to Rocket Mortgage Refinance. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
In the year XXXX, my daughter saw a doctor in the XXXX XXXX XXXX. I didnt notice the bill was overdue until much later, after we moved. by then it was in collection and we didn't have the money to pay. It has been sold multiple times and each time the new agency places it on my credit report as a " new '' account with a " recent '' date. Probably the date they purchased the account. This Account is now over 7 years old and way too old to be on my report. I have disputed it several times previously AND it was REMOVED each time, only to REAPPEAR a while later with a NEW agency. 
This HAS to be illegal. THere is NO way that ONE account can be magically renewed just because it was purchased by a new agency. When I contacted the CBE agency, they threatened me with arrest, which I am aware is not within their abilities. 

Original debtor XXXX XXXX original date XX/XX/2014 Patient XXXX XXXX Parent XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX account sold to CBE collections : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I had a promo for XXXX  % on purchase of {$860.00} from XX/XX/XXXX until XX/XX/XXXX. 
I believed I had paid off the balance but upon checking I was charged deferred interest. I had tried several times messaging the company and then called on XX/XX/XXXX to try and explain I was charged too much interest. My call was dismissed and was told there was nothing I could do about the interest charges. I recalculated my statements and believe I should be subject to interest on a balance of {$180.00} at the time of XX/XX/XXXX. However, I was charged interest based on a balance of {$410.00} and do not understand how this balance was attained. 
I was charged interest of {$180.00}. I had tried to explain I had lost my job due to Covid during the timeframe but they said there was nothing they could do about the interest charged.

This amount of interest is a huge burden to overcome while I try and dig myself out of debt from losing so much income during Covid. I had been staying home with my kids because they could not attend school during much of this time as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received a prequalification for a loan from Chase Home Lending to purchase a single family residence in Ohio. I spent many hours providing all of my personal information, tax returns and documents requested by Chase. I worked with XXXX XXXX at XXXX and XXXX XXXX at XXXX. They were constantly asking for more a more information and I provided as much as I could as fast as possible. I was looking to get a loan for {$130000.00}. I have excellent credit and funds to back up the monies needed to obtain the loan. It took over two months to get everything to underwriting. They required me to purchase an appraisal and I paid for it on my credit card. They said the loan was going to be sent to underwriting and then we could look at committing to an exact closing date. The contract closing date was XX/XX/2021. I received a phone call on XX/XX/XXXX from XXXX 's manager and he left a voice mail. I tried to return his call five times and was unable to reach him and he did not have voicemail. I finally heard back from him the following Monday. He told me they closed my loan and could not go any further with the loan. I asked him what the problem was and he said he couldn't disclose that to me. They provided me no explanation on my own loan. He said they are not allowed to tell me why my loan did not go through. I was not given any options to find out what happened and was told they would not be refunding any money I have put towards the loan. I asked him how can they ask for all of my personal information and prequalify me, require me to purchase an appraisal and then just day no with no reason. If it was my credit or XXXX  then I need to know so I can address any issues. He said he couldn't share any of that with me. XXXX was asked when was it disclosed to me that they can just decide to pull the loan with no explanation and he said they do not disclose this to the consumer which I find inexcusable. The consumer should have the right to know what is going on with their personal finances. Not only did we lose the house, I am now out the money for the inspection ( {$370.00} ) and the appraisal ( {$650.00} ) and numerous fees charged by my accountant to pull all of the tax documents the lender requested with absolutely no recourse or any information. They basically washed their hands of me because they claim to be the biggest financial institution in the world and I am just one person that has little meaning to them. I am concerned that someone can be asked to provide any and all information in good faith of the lender and then be treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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:
WHEN I WAS YOUNGER MY MOTHER USED MY SOCIAL SECURITY NUMBER TO GET UTILITIES IN MY NAME. I WAS UNDER THE AGE OF XXXX. 
MOVING FORWARD, MY INDENTITY WAS STOLEN IN 2015. I HAD ME AND MY CHILDREN BIRTH CERTIFICATES, SOCIAL SERCURITY CARDS, ID AND DRIVER LICENSE INSIDE MY CAR BECAUSE I HAD AN APPOINTMENT FOR RENTAL ASSISSTANCE AND FORGOT TO TAKE THEM OUT. ONE OF XXXX  HAD TO GOTO THE CAR AND GET THIER BELONGINGS OUT THE CAR AND DIDNT LOCK THE DOORS. THE NEXT MORNING WHEN I GOT READY TO LEAVE FOR WORK I NOTICED THAT MY CAR HAD BEEN SEARCHED THROUGH. GLOVE COMPARTMENT WAS OPENED. 
CHANGE WAS MISSING AND MY DAUGHTERS CELLPHONE CHARGER WAS GONE. I THEN WENT TO THE BACKSEAT TO REALIZE THE THE MANILA ENVELOPE WAS MISSING. WHICH IS WERE ALL MY PERSONAL IMFORMATION WAS WITH MY DRIVER LICENSE AS WELL. I'VE HAD A VERY HARD TIME TRYING TO GET THE THINGS I NEED IN LIFE AS FAR AS LIFE. I DONT UNDERSTAND HOW PEOPLE CAN GET ACCOUNTS IN YOUR NAME AND ITS HARD FOR ME TO GET ONE WITH MY OWN IDENTITY. 
NO INFORMATION CAN BE GIVING OUT FROM THESE COMPANIES BECAUSE I DONT HAVE CERTAIN INFORMATION THEY NEED TO VERIFY THESE ACCOUNTS THAT ARE IN MY NAME. IVE TRIED TO DISPUTE THESE THINGS ON MY CREDIT AND NOTHING HAS WORKED. I WANT THIS THINGS TAKING OFF MY CREDIT SO THAT I CAN START MY LIFE OVER WITH HOPE & CONFIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have six unauthorized inquiries on my credit report by XXXX  XXXX  on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX also I have on XX/XX/XXXX XXXX XXXX unauthorized inquiry also XXXX XXXX XXXX XX/XX/XXXX I did not apply for any of these and have contacted these companies and got no farther than I am now

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 2021-10-05 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: VA

Complaint narrative:
I consumer XXXX XXXX, received a consumer report from TransUnion and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to TransUnion more than 30 days ago and have not received any response. I am deeply distressed by TransUnion 's noncompliance. TransUnion is civilly liable pursuant to 15 USC 1681n

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 2021-10-05 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: VA

Complaint narrative:
I consumer XXXX XXXX, received a consumer report from Equifax and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to Equifax more than 30 days ago and have not received any response. I am deeply distressed by Equifax 's noncompliance. XXXX is civilly liable pursuant to 15 USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Wave Financial USA Inc.
State: TX

Complaint narrative:
I have a. Account with wave financial ( my.waveapps.com ) My user name is XXXX. 

My account has been disabled & I have been unable to reach customer service regarding this issue. The website is used to invoice, quote & do bookkeeping as well as take payment from customers & transfer those funds to your bank account. 

This issue has been ongoing for 5 days & my business has been paralyzed costing me money & opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: FL

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion is reporting my previous residence addresses incorrectly. Some do not exist. They do not show correct information regarding the length of time I have lived at my current address. They could/would not tell me who supplied the wrong information. 
Despite trying to remove incorrect & obsolete phone numbers... they still show. 
My employment history is a mess. Misspelled employer, inaccurate length of employment times. Occupation incorrect. No data for the last 6-7 years I was employed. 
Rude, unknowledgeable chat employees at TransUnion. They do not know how to answer questions regarding issues, so they end the chat.

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 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dividend Finance Inc.
State: AZ

Complaint narrative:
In XX/XX/2021 we signed a loan with Dividend Finance in the amount of {$8500.00} for work done in our back yard by a contractor. The loan was deferred interest if we paid the full amount within 18 months. we called today XXXX to pay the whole amount and we were told we would have to pay over {$900.00} in interest in addition to the loan amount.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2021 I went to Bank of America to deposit money I went to the ATM Machine and at first it was saying my money was still Processing but I had not put any money in the machine so I went in got someone that works at the bank he said just wait until my card comes out he said push amount so I push {$10.00} then my card came out so he said something wrong with this ATM machine so I went to the other ATM Machine he said put your phone over this symbol I did so after that I Look at my Receipt and it saying we apologize for the inconvenience we are unable to process your requests and can not return your items please contact our Electronic clams department team at XXXX to discuss this transaction i went into the bank they are saying they dont know whats going on to call customer service so I did that and the women who answered the telephone said we closed your account due to XXXX  XXXX  I said the card was saying decline she said I can sent you a new card then she said wait its saying your account is closed so she transferred me to someone else she said we closed your account we can do so at anytime I said nobody saying why it was closed so she said no I said what about my {$100.00} she said we we sent out a check XXXX XXXX

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 2021-10-05 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: CA

Complaint narrative:
I sent a letter to all three credit companies on XXXX and no response.

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