vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I sent the initial dispute requesting validation on XX/XX/2021 as well as a cease and desist asking Wells Fargo to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. I also filed a CFPB report ( XXXX ) ; i then received correspondence back on XX/XX/2021 stating that Wells Fargo provided information validating the account but i did not receive the 5 things required pursuant to 15 USC 1692g shown in exhibit B. Since providing all 5 requirements are not optional, Well Fargo is in direct violation on federal law.

I did however receive billing statements from WELLS FARGO shown in exhibits D-G suggesting that an alleged debt was owed but all balances on the statements were positive. this is very false and misleading and in direct violation of 15 USC 1692e ( 2 ).

I also received from WELLS FARGO a copy of the credit application proving that this is a consumer credit transaction that i initiated and i am not liable to pay any alleged debt. I also received a copy of the contract I received from well Fargo shown in exhibit A,
however i noticed in this contract that there is not a right to rescind section ; and i never received any disclosure pertaining to my right to rescind including the proper forms to exercise my right to rescind. This is a violation under 15 USC 1611 ; WELLS FARGO is criminally liable for willful and knowingly not disclosing my right to rescind. As well as civilly liable for {$5000.00}.

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 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lake City Credit
State: OR

Complaint narrative:
I am filing this on behalf of my XXXX Adult Daughter who suffered a XXXX in XXXX. Lake City Credit has been sending her notices that she owes them {$1200.00} for overdraft amounts on her checking account with XXXX XXXX. 
My Daughters name is XXXX XXXX XXXX and she has not had an account with XXXX XXXX  in XXXX, Oregon since XXXX of XXXX. She is with XXXX XXXX XXXX XXXX and I have access to her account to help her manage her finances. 
On XX/XX/XXXX I contacted the XXXX XXXX  Branch in XXXX and spoke with XXXX who reported that XXXX XXXX  only keeps records for 7 years. He also said they do not have a relationship with Lake City Credit in XXXX XXXX, Texas. I then called Lake City Credit and requested they provide documentation and proof of this debt. They could not and would not. I suggested that I was going to contact the Justice Department in Oregon and they transferred me to a supervisor who then hung up. I assumed this was over but we have now received another letter from Lake City. We would like them to cease and desist and request your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: PA

Complaint narrative:
I sent the initial affidavit and cease and deist demanding deletion of these alleged accounts on my consumer reports after learning these reporting agencies did not have written consent to furnish these accounts onto my report on XX/XX/2021 as well as a cease and desist demanding the consumer reporting agencies to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. The following alleged accounts are non-compliant, inaccurate, and unverifiable accounts that have not been certified under the testimony of facts. Experian is still reporting this alleged accounts on my private consumer report without my written consent per 15 USC 1681b ( a ) ( 2 )

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 2021-07-30 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: CA

Complaint narrative:
There are 8 accounts on my credit report that are not mine I have not applied used or know of these accounts I need them off my credit report ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX XXXX {$5800.00} XXXX  XXXX - Acct # XXXX Amt {$14.00} XXXX XXXX - Acct # XXXX XXXX {$330.00} XXXX XXXX - Acct # XXXX Amt {$790.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$130.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX. XXXX - Acct # XXXX Amt {$330.00}

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 2021-07-30 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: CA

Complaint narrative:
There are 8 accounts on my credit report that are not mine I have not applied used or know of these accounts I need them off my credit report ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - Acct # XXXX Amt {$5800.00} XXXX  XXXX - Acct # XXXX Amt {$14.00} XXXX XXXX - Acct # XXXX Amt {$330.00} XXXX XXXX - Acct # XXXX Amt {$790.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$130.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX. XXXX - Acct # XXXX Amt {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: NC

Complaint narrative:
Hello, my name is XXXX XXXX I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CA

Complaint narrative:
There are two accounts on my credit report that do not belong to me they are not mine I haven't applied signed or used these accounts or know what they are for or who they are for. 

XXXX - Acct # XXXX XXXX  XXXX  - Acct # 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 explanation
Consumer complaint received 2021-07-30 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: CA

Complaint narrative:
There are two accounts on my credit report that do not belong to me they are not mine I haven't applied signed or used these accounts or know what they are for or who they are for. 

XXXX - Acct # XXXX XXXX  XXXX  - Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CA

Complaint narrative:
There is one account on my credit report that does not belong to me it is not mine I have not applied used or know who did this under my name or signed or used this account I need this off my credit report asap!!!! 

XXXX/XXXX  - Account # XXXX Amt {$2200.00} Opened XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2021-07-30 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: CA

Complaint narrative:
There is one account on my credit report that does not belong to me it is not mine I have not applied used or know who did this under my name or signed or used this account I need this off my credit report asap!!!! 

XXXX/XXXX  - Account # XXXX Amt {$2200.00} Opened XX/XX/2012 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: State Collection Service, Inc.
State: MD

Complaint narrative:
As of XXXX XXXX, State Collection Service , Inc. is still furnishing my consumer report with a derogatory mark. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. I sent State Collection Service, Inc an Affidavit of truth, Cease and Desist, and Debt Validation letter on XX/XX/2021. On XX/XX/2021 I received an itemized statement of medical services which I assume is the debt collector 's attempt to provide the " debt validation '' I requested. A bill without a signature DOES NOT validate the debt and anybody can send a bill and say it is mine. According to FDCPA, State Collection Service , Inc is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ). Enforcement of penalties against State Collection Service , Inc is covered under the penalty rules of the Omnibus Final Rule, FCRA, and FACTA. As a consumer I am requesting his account be removed from XXXX XXXX and XXXX  immediately and State Collection Service , Inc send payment for the violations I presented. If this is not resolved within the next 5 business days, I will file charges. I have been dealing with this entirely too long and will no longer tolerate this blatant violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i submitted a letter to all 3 major credit bureaus for deletion of accounts reported Pursuant to 15 USC 1681b-Permissible purposes of consumer reports In general Subject to subsection, any 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 I, XXXX XXXX have never given XXXX, XXXX, or transunion any written consent to reports anything on my consumer report. No consent is identity theft pursuant to 15 USC 1681q ( 3 ) and i demand the removal of the accounts listed in the letter sent out.

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 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i submitted a letter to all 3 major credit bureaus for deletion of accounts reported Pursuant to 15 USC 1681b-Permissible purposes of consumer reports In general Subject to subsection, any 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 I, XXXX XXXX have never given XXXX, equifax, or XXXX  any written consent to reports anything on my consumer report. No consent is identity theft pursuant to 15 USC 1681q ( 3 ) and i demand the removal of the accounts listed in the letter sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: TX

Complaint narrative:
My grandmother, XXXX XXXX passed away last year causing the mortgage to go into default. I am her grandson, XXXX XXXX, and my family and I are working to get the home sold. We have gone through the steps of getting an affidavit of heirship recorded so that our family has the legal authority to sell the home but we will need more time to get all of the paperwork processed. We do not want the home to foreclose, my grandmother was a pillar in this community and we do not want it to be public knowledge that the home foreclosed. We have been working on this for about a month and we are willing to do whatever is needed to sale the home. I have attached a death certificate for my grandmother and I would like someone to help me work with the lender to get this auction stopped so that we can sell the home instead. Please help my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
Abilit

y Recovery Services is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a VALID signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. I've told XXXX, XXXX  and XXXX  that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked from my 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 2021-07-30 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: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
Santander is reporting that my client still owes a balance, and the account got placed for collection status. My client was trying to get financed for a home, but this debt is preventing my client to get the necessary financing. On XX/XX/XXXX I sent a certified letter to get verification of the amounts that Santander claims that my client owes, as of today XX/XX/XXXX we have not received any response. 

In the certified letter, I attached a POA, tracking number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: IA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/2021 I logged into MyEquifax, and it was blank. No accounts, no personal information, trade lines, nothing. BLANK. 
So I contact Equifax, they tell me to fax a letter explaining the issue and ID documents. It will be fixed in 30 days. I do that immediately, Today, XX/XX/2021, I open up MyEquifax, and blank, Nothing on my equifax file, not fixed! 

I have attached my XXXX equifax that shows my accounts. And the XXXX blank equifax report & XXXX blank equifax report. 

If this is not corrected in 30 days or less, I will have a consumer protection attorney here in Kentucky fix it for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021 my fianc and I created a savings account with synchrony bank to keep our gift funds safe as we save up for our wedding and living in a new state. We have tried to access this money through atm withdrawal and mobile transfer to help pay for expenses associated with our move and with our wedding planning. We have been denied access to our account under the pretense that our account is under review and is restricted despite us being given zero information regarding this situation nor any clue on when OUR money will be available for use to use for rent thats due in two days. I called synchrony on XX/XX/XXXX to ask why our money wasnt available and they told me the account is still being reviewed, call back in two to three business days to have an answer. I called back today ( XX/XX/XXXX ) to receive the information that I was promised and hopefully have access to my account and was told that the banker has no idea what is going on, and that they will mail me a letter in two weeks letting me know the status of my account. I just want our money so we can pay bills and move on from this horrible bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-07-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2021 a fraudulent : '' Emergency Cash Advance '' of {$1500.00} was billed to my Bank Of America Travel Rewards credit card. I noticed this charge on XX/XX/XXXX and promptly filed a dispute with Bank of America. The transaction occurred at a Bank of America branch somewhere in XXXX TX. I was in Maryland, where I live at the time of the transaction took place. 

A week later I got a letter from Bank of America informing me that my claim was denied. I called again and demanded they re-open the claim and explained to them that it was impossible for me to have made the charge. The representative state that they would re-open my claim and further investigate and examine video footage. Another week later I received another denial letter. They obviously did not do anything because the person who made the fraudulent charge was not me. 

So I called in a third time irate and told them that I did not make the cash withdrawal and they instructed me to furnish credit card statements from other cards I have that showed purchases I made in Maryland on the date of the fraudulent transaction that occurred in TX on XX/XX/XXXX, which I did. I also obtained a police report and sent in all the documents. They sent me a fraud statement form which I promptly filled out and returned and informed me that my claim was being re-opened. I also sent a certified letter with this documentation which was signed for on XX/XX/2021. 

I walked into the local branch to speak with a manager to see if he could do anything for me. He said he would personally reach out to the fraud team for me. However after one call, I have not heard back from him either after leaving multiple messages. 

Its not XX/XX/2021 and my claim status is still " claim being researched ''. Every time I call for a status they tell me nothing. Meanwhile I am being charged installments on this fraudulent charge.

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 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I recently went into the branch of Chase Bank and called previously for the account correction and was not successful, yet tried to sign up online and have not been able to do so. I can not keep opening and closing accounts just to do simple online processing purchases. please help solve this matter, Thank you.

Company response to consumer: Closed with explanation