vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I been fighting Wells Fargo for several years and they kept denying me help from being underwater home since 2009 I have contacted CFPB and Wells Fargo for the last 12 years they would not listen to me about being underwater they tell me to get a appraisal and they would look at it they done nothing now they sunk me so far underwater and kept adding money and they finally sunk me and now I losing my home because they would not help me CFPB would not help me with Wells Fargo they ignored me just like Well s Fargo did now soon I will be homeless thanks to Wells Fargo they are lawsuits out about Wells Fargo but the lady said I did not qualify for it because I am a XXXX personal not XXXX I thought I lived in XXXX thanks 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 2023-02-23 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: IL

Complaint narrative:
My Credentials Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off or not added properly I Contacted The Creditors & they all say call credit Bureaus & Now Im Taking These Steps Of Filing Reports With Copies Of all documents I receive before getting attorneys involved I submitted not once but twice letters to the XXXX, XXXX, Transunion address i have on file from XXXX & no reply This time i will be sending letters with tracking information to the same address Looking foward to your 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 non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Credentials Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off or not added properly I Contacted The Creditors & they all say call credit Bureaus & Now Im Taking These Steps Of Filing Reports With Copies Of all documents I receive before getting attorneys involved I submitted not once but twice letters to the XXXX, equifax, XXXX address i have on file from XXXX & no reply This time i will be sending letters with tracking information to the same address Looking foward to your response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I presented a {$100.00} bill to change, the bank refused. They require the consumer to have an account. This happened on XX/XX/ at XXXX XXXX, Bank of America XXXX XXXX in XXXX, VA XXXX. 

Can a U.S. bank refuse to exchange legal currency?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are multiple version of my name that is not legal me! I go ONLY by XXXX XXXX XXXX. This is a complete violation and inaccurate reporting and need this fixed asap!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion is IMPOSSIBLE to work with. I am having identity theft issues and their phone system automatically hangs up on you. Their chat system NEVER connects to an agent and their online tool to freeze credit does not work and routes you to the phone number which doesn't work. This has been going on for DAYS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: MI

Complaint narrative:
XXXX XXXX a loan officer representing " Mortgage Solutions of Colorado XXXX LLC '' provided false hope and committed fraud to underwriting, by giving them an income I never had and never would achieve ( just over five grand monthly ) on a loan he knew would never move forward. He lied to myself, underwriting, my realtor, XXXX XXXX, and the sellers agent, XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was scammed and i lost XXXX to XXXX XXXX and XXXX dollars of this money cane from a home equity loan and was deposited in my wells fargo bank account. According to wells fargo on XX/XX/XXXX figure lending put a recall on my account and wells fargo responded to that recall on XX/XX/XXXX and denied it and wells fargo froze my account on XX/XX/XXXX and closed my account on XX/XX/XXXX and now holding on my XXXX dollars personal money and their reason is there was a recall on my account that they actually denies and not giving me my money back They are refusing giving me my money back that are my direct deposits from my job They are refusing giving me any answers and passing me around between their departments I just want my money that i worked for back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: GA

Complaint narrative:
i am writing to delete the following information in my file.the items i need deleted are listed in the report. i am a victim of identity theft and did not make this change. i ask that the ittems be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tradecommissions identity theft affidavit please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i am writing to delete the following information in my file.the items i need deleted are listed in the report. i am a victim of identity theft and did not make this change. i ask that the ittems be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tradecommissions identity theft affidavit please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have fraudulent accounts that were opened in my name as aresult of the data breach and I have reach settlement with the credit bureau regarding this. This has been reported to the XXXX on XXXX to XXXX XXXX XXXX badge # XXXX and filed under case # XXXX after I was made aware of these accounts by looking at my credit reports. This has been reported to all involved parties but the accounts are still reflecting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: FL

Complaint narrative:
XXXX XX/XX/2022, my XXXX yo mother got a call on her cellphone, caller ID and caller identities themself as Bank of America XXXX Department. After a conversation about fraudulent activity on a new account l, which I did not recognize, they were able to get enough information to access the account. I was on the phone trying to get in touch with the bank to verify the callers identity when I realized it was a scamming caller. The caller scammed our account of {$2900.00} not including fees accrued from bouncing automatic withdrawals, which take a month to stop. The transaction were incurred in 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 2023-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report. It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately. If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided. I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I opened a Citigold checking acct on XX/XX/XXXX ( over the phone - there are no branches in my state ). I selected a bonus program available in my zipcode offering a bonus if specific rules are followed. The acct was fully funded by XX/XX/XXXX, meeting the rules. I also kept in touch with my " relationship managers '' to ensure everything was done correctly so I could collect my bonus. I chose the {$300000.00} level. The rules then state to : maintain the required Minimum Balance ( {$300000.00} ) in your eligible account for an additional 60 days from the 21st day. The cash bonus of {$2000.00} will be deposited into your open, eligible account within 30 calendar days ( XX/XX/XXXX ) after you complete all required activities. I met all the rules and verified with my relationship managers, but did not receive my bonus. I was told there is a work shortage and there will be a month delay. I found this excuse to be questionable as the bonus program is currently being advertised and Citibank is a XXXX XXXX business. I emailed my relationship manager but he did not reply. I called several departments but could not get answers. I was told by one rep that I did not follow the rules so that's why I did not get the bonus. I finally left a msg for the manager of my relationship manager- still waiting for a reply. I am XXXX and XXXX and try my best but I feel that this may be fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I was never notified of a debt. In fact, I am not sure the debt is even accurate as I cancelled my auto insurance policy with XXXX at the end of the term and switched to another XXXX. I was never notified by XXXX or CSS. I just got notified once the collection was reported to the credit bureaus. I then called XXXX  as soon as I saw it on my credit report and paid the full amount, even though they never stated what it was even for. XXXX said they sent XXXX letter via XXXX mail, I never received it. CSS never attempted to contact me at all. Had anyone reached out to me, I would have paid this off, as I did as soon as I learned about it from my credit card company who monitors my credit. I believe CSS is using unfair tactics by just reported to the credit bureaus without any attempt to contact me. Furthermore, I paid XXXX  and believe that CSS reporting to the credit bureaus is inaccurate as I never heard from them, called them or dealt with them so they should not be reporting anything since no transaction or communication was had with them and their was no debt owed to them since XXXX was paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
PHH decided, without asking me or receiving a request from me, to take over my homeowner insurance policy payment. I had a valid policy for homeowner 's insurance through XXXX XXXX, and PHH decided that PHH would to pay it. That is a problem for me, because PHH will charge me more money than XXXX XXXX did if I paid it on my own. Now, the insurance company says that they can't talk to me, that I have to talk to the mortgage company. The mortgage company says that I need to call my XXXX XXXXXXXX Trustee, who has nothing to do with the issue of the mortgage company taking over my homeowner 's insurance policy without my request, and without talking to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called XXXX  ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX  XXXX, representative XXXX answered the call and hung up on me. According to recent CBR, XXXX XXXX XXXX reported a visa account as ( Inactive ), all of the years, from XXXX  through XXXX  in " good standing '', account was closed by me in XXXX of XXXX. They indicate the account was in dispute, under investigation, what is not reported is the investigation was concluded to my satisfaction, and I won the dispute, and the closing account balance was XXXX  where merchant refunded the money to my Visa. 
The XXXX XXXX XXXX  either should report the dispute was resolved to card holder 's satisfaction, or remove it because the seller refunded my account, no final balance there remained. & the fact that I closed the account myself. 
If they insist on the reference to dispute to remain on my CBR, they have to warrant their position by the dollar amount that was charged off against my Visa. However there was a merchant refund, and XXXX  balance. So allegation of charge off or loss to XXXX XXXX XXXX is false and fabricated. Or inclusion of " account under investigation '', is done by XXXX  maliciously, I was the innocent party in the transaction. 
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 explanation
Consumer complaint received 2023-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report. It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately. If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided. I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report. It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately. If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided. I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Lac Courte Oreilles Financial Services II
State: IL

Complaint narrative:
On Thursday, XX/XX/XXXX, and in accordance with the Loan Agreement attached to this email, I contacted eLoanWarehouse by email in order to revoke my authorization of electronic payment. Despite the Loan Agreement merely stating that I needed to send notice via email, I received a series of emails insisting that I also needed to call ( also attached to this email ).

Company response to consumer: Closed with monetary relief