vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo failed to provide outstanding relief in the amount of {$400.00} which was fraudulently stolen from me without my permission or my knowledge. 

Wells Fargo failed to verify the debt alleged before charging my account in the amount of {$400.00} on XX/XX/2017. This amount was the result of a series of FRAUDULENT attempts by an unknown party to which I have no business and have not obligations. 

I disputed several transactions by XXXX XXXX car between XX/XX/2017 and XX/XX/2017 and every single time Wells Fargo agreed to return my funds, Wells Fargo allowed the fraudulent parties to again steal funds from my account without verifying any alleged debts. 

Wells Fargo agreed via CFPB case # XXXX and XXXX to return all funds owed related to the fraudulent requests for payment from XXXX XXXX car company. However, after returning funds related to my initial disputes, Wells Fargo allowed the company to charge {$400.00} from my account under the guise of " adjustment '' line item ( XX/XX/2017 ). These funds directly related to the closure of my credit account and the extreme damage that has ensured since Wells Fargo began reporting negative remarks on my public profile and credit accounts. As a result of the damage this credit account has had on my ability to find transportation, stable housing, and business opportunities ; I have been homeless for more than 6 months and have been diagnosed with XXXX XXXX XXXX and XXXX. 

I am nearly at my wits end with the damage began by Wells Fargo inconsistent and inaccurate reporting and accounting. My health and wellness are in jeopardy if I am not able to escape the dibilitating stronghold Wells Fargo has placed over my life.

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This my written dispute to CFPB against Transunion. 
On XX/XX/XXXX I sent Transunion a dispute via XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX and they received it XX/XX/XXXX. 

Transunion never disputed the unauthorized hard inquiries on my dispute letter. This negative information is causing me to get rejected for bad credit. 

I have attached photos of dispute to validate my dispute to Transunion

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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: KS

Complaint narrative:
I ordered one tube of XXXX advertised on TV. I paid XXXX for order by credit card. The company charged another order which I paid because the product was shipped to me. The company tried to charge a third order, and my credit card company cancelled the transaction. I did not receive the product. 
I called the company that I had agreed to receive more than one order. I called the number of the company and no one answered. My card company tried to call them also. I received bills for the product I had canceled. 
After many months I have received a bill from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I submitted a debt validation letter to Santander Consumer USA. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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:
On XX/XX/2021 I submitted a debt validation letter to XXXX XXXX XXXX. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.

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 2021-03-02 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:
On XX/XX/2021 I submitted a debt validation letter to XXXX XXXX XXXX. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I submitted a debt validation letter to XXXX XXXX XXXX. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.

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 2021-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
ATTENTION TO PORTFOLIO RECOVERY I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$690.00} does not belong to me. This account was fraudulently opened through this company PORTFOLIO RECOVERY in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I ended my Cell phone service XXXX  in XXXX, that is the year that I switched to XXXX. I have not had a XXXX account since then. It now says that I opened a XXXX  account XXXX XXXX. I have never opened an account in XX/XX/XXXX XXXX as I have had XXXX for years. I reached out to the deb collector XXXX, for a validation letter and have not heard anything.

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them. Not sure who's they are.

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 2021-03-02 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: NV

Complaint narrative:
These are not my accounts. Please remove them. Not sure who's they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. Loan Denied, they said my debt to income ratio was too high. When I do the calculation I fall within their range. I showed them where a mistake was made and it was ignored. They would not give me any info on what figures they used for there calculations. The one mistake that I pointed out too them was, they added my insurance and taxes on top of my mortgage payment and those numbers were already included in the mortgage payment. I even mad an attempt to remove one of my debts and it was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: EQUIFAX, INC.
State: WV

Complaint narrative:
On XX/XX/2021, I filed a complaint to the CFPB, XXXX XXXX XXXX XXXX, XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX regarding a payment issue whereby I had OVERPAID the XXXX XXXX XXXX by {$750.00} and UNDERPAID XXXX XXXX XXXX XXXX by the same {$750.00} amount. As a result of this complaint, a XXXX XXXX Senior Specialist in Corporate Customer Relations promptly researched the issue, verified the payments, and corrected both the XXXX XXXX XXXX XXXX account to reflect paid and current ( NO adverse entries on my revolving account ) AND she generated an AUD Correction Update to XXXX, XXXX, and Equifax to notify them of the correct payment, correct balance, and to ensure the removal of any adverse payment information that may have been previously reported to these three credit reporting bureaus. The date of this AUD Correction Update was XX/XX/2021. I noted that both XXXX and XXXX promptly corrected their records and my credit score was immediately restored upward by both, 91 points, an exact reversal of the earlier, derogatory entries. I received no acknowledgement of the correction from Equifax. However, on XX/XX/2021, I received an alert that Equifax dropped my credit score by 91 points. Upon further research, I noted that Equifax appears to have entered the AUD Correction Update as an if reflecting INCREASE of {$750.00} to my XXXX XXXX XXXX XXXX balance, not a DECREASE of this amount - thus creating yet another derogatory entry to my credit record with the Equifax firm. I am requesting that the AUD Correction Update be reviewed and if entered incorrectly, CORRECTED to reflect an accurate record of payment and balance on my XXXX  XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Saturday, XX/XX/XXXX, I attempted to make an online purchase. Citi card arbitrarily declined the purchase. They notified me via test message at XXXX Saturday, asking if I made the purchase with a request for a response back in the text. I responded that I did indeed make the purchase and was notified that the card was cleared to make the purchase again. I did so later that night and again the purchase was decline. I called citi card 's XXXX number and spoke to XXXX who was unable or unwilling to assist me and refused to connect me to a supervisor, but instead put me XXXX in the fraud dept. XXXX, also unable to assist did agree to put me through to her supervisor, however this is doubtful as the person I was connected with did not clearly give me her name, and as an apparent retaliatory power move, put me on a 22 min hold of silence, never returning, until she finally pressed a series of approx 5-6 numbers and ended the call. I then connected to Citi online and reached XXXX through the messenger. I explained to XXXX my issue with being unable to make this purchase several times and now having to wait additional days for my much needed purchase to be delivered due to Citi continuing to decline this purchase that I have repeatedly told Citi representatives that I DID make. XXXX assured me that " everything was good '' on Citi 's side " rest assured ''. So today I once again attempted the purchase and once again DECLINED!!!. I called the XXXX number again tonight, twice, and was disconnected because I could not understand the representative 's broken English. I have been an excellent customer since XXXX, always paying my card off and never delinquent. I need assistance in getting this rectified immediately. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Block, Inc.
State: WA

Complaint narrative:
Today, XX/XX/2021, I received a cashapp card and a XXXX card in the mail. I attempted to contact both customer support lines, however, both required an app download and to sign into an account. Which I do not want to sign in to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: AL

Complaint narrative:
I have no knowledge of this account

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 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Notified by letter from USAA dated XX/XX/21 informing me that a Visa card was closed in error. When USAA was contacted a request to provide documentation from the CRAs showing my account was cleared and no impact on my credit had occurred. The response was that I would have to contact all 3 bureaus and it was not their responsibility. The fact is that closing any credit card account does in fact lower your credit score. It was closed although the account was and always has been in good standing. Closing the account was unauthorized and having me check my credit at my time and expense is unimaginable. USAA has a track record several years back of opening accounts in members name and was sanctioned and fined. Once again, USAA seems to operate with no regard for banking rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
i had XXXX dollars in my chime account my card was working jus fine thursday the XXXX my account was suspended with no reason was ask to support documents which i did and never was contact again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ATTENTION TO XXXX XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$690.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Unbeknownst to me, I received an alert a few days ago from XXXX  monitoring that I have collection activity. My mind was indeed blown as Im currently in the process of purchasing a home. Midland debt collection was listed on my credit report and I have no idea who/what this is for. So of course, I call and tried to piece the puzzle together. Unfortunately they couldnt give me much detail other than the original creditor and the amount owed. I asked for some type of documentation as I dont recall ever applying to this company. They basically repeated the same thing and wasnt helpful. I requested a debt validation letter and they could not provide. I asked for a contract/statement but to no avail. This is extremely frustrating as I have absolutely no idea how this could have happened to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
XX/XX/2020 its XXXX $ And the for the merchant XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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:
Over the past 4 weeks I have tried in several occasions to stop the use of my credit - several times my credit has been pulled and someone is trying to use my information to open credit accounts!! I want this to stop as it is hurting my credit score! This is fraud- I am now going to place a freeze but I would like the hard credit runs to be removed 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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Over the past 4 weeks I have tried in several occasions to stop the use of my credit - several times my credit has been pulled and someone is trying to use my information to open credit accounts!! I want this to stop as it is hurting my credit score! This is fraud- I am now going to place a freeze but I would like the hard credit runs to be removed 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 2021-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/XXXX TIAA bank combined with XXXX to service my lone # XXXX with TIAA bank was changed to loan # XXXX. I tried to log on and make a payment. And was unsuccessful, then when I call there automated system states my loan payment was now {$430.00} my previous payments was {$420.00}. I tried repeatedly to contact the number provided and keep getting hung up on before I can speak to anyone concerning the increase of {$16.00}. Now I am a day late and have never been late paying the payment. No email was provided and not able to reach a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: PA

Complaint narrative:
This account was opened without my knowledge. I have already notified the company that this wasn't my account yet it still remains on my credit report. XXXX XXXX XXXX XXXXXXXX account # XXXX. I have a court order declaring me a victim of identity theft. I also have a letter from the District Attorneys office that states that someone is using my identity She got pulled over and gave my ID while I was 2000 miles away. Please delete this account immediately from my credit report. Equifax has chosen to repeatedly ignore my Court order declaring me a victim of identity theft and have left these fraudulent Accounts on my credit.

Company response to consumer: Closed with explanation