vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
AMEX YOU ARE BREAKING THE LAW!!! 

I have reason to believe and do so believe that this company is blatantly DISCRIMINATING against me. I have applied for multiple cards on multiple occasions and this bank holding company continuously deny me my right to credit. Per the equal credit opportunity act 15 usc 1691 it is unlawful for any one to discriminate because I have in good faith exercised my right under that section. I am a very frustrated consumer because this company has made it hard for me to extend credit to others. I dont care to continue to use cards from multiple institutions, I rather have all my cards from one bank for the sake of simplicity. Your constant denials is causing me to continue to lose confidence in the banking system and is making me not want to extend credit to any banks and making me not want to continue to allow any banks to profit off of my securities. It is essential that I receive the cards to continue to help money move around. It is unfair that i am being denied when bank literally are dependent on me as a consumer to keep money and credits flowing. Im demanding the cards be issued to me. Im fully aware that pursuant to 15 usc 1681m being denied is considered an ADVERSE ACTION against me per federal law you all can be held civilly liable for doing such and not following the laws. I am in fact an administrator per federal law 15 usc 1692c ( d ) and im aware I have and open end consumer credit plan. So as a consumer and customer i am demanding these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Multiple fraudenlent charges totaling more than {$13000.00} were paid by Bank of America to XXXX from my checking account. I have repeatedly tried to get bank of America to reverse the charges since XXXX. No progress has been made. I am repeatedly asked to fillout form after form and have been inundated with correspondence.

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 2022-01-27 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: SC

Complaint narrative:
I have noticed there are two accounts on my Transunion report that do not belong to me. I have contacted the collection company and explained to them this isnt me. I also have contacted Transunion about this and I see the two accounts by a company called XXXX XXXX XXXX are still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Thes are links to the emails that I am receiving. I already alerted my credit union of these and they told me to treat these as scam. Each one of these are giving information for a deposit, amounts, reference numbers, and other data. You may need to look into this. Also, I am receiving text messages. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
all three credit companies have continued to violate and allow the collection company to commit fraud when place new start up dates when it comes to a loan that is not recognized listed as more than 7 years old and operantly indisputable. not only is the original debtor nowhere displayed but also the account is riddled with fraudulent charges and misdirected fees. Allowing collections agencies to reinsert and update the starting date equals extorsion not credit collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
all three credit companies have continued to violate and allow the collection company to commit fraud when place new start up dates when it comes to a loan that is not recognized listed as more than 7 years old and operantly indisputable. not only is the original debtor nowhere displayed but also the account is riddled with fraudulent charges and misdirected fees. Allowing collections agencies to reinsert and update the starting date equals extorsion not credit collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: TX

Complaint narrative:
i received a notification on XX/XX/2022 that there was an inquiry on my credit report from XXXX XXXX XXXX  XXXX XXXX XXXX SD which lowered my credit score as a hard it due to inquiry down to XXXX points. I contacted the bank on XX/XX/2022 at XXXX am cst and learned a credit application was fraudulently open in my name and with my social security number. The bank sent me a let dated XX/XX/2022 reference number XXXX db/amc to file a identity theft report with FTC. With the report i can forward the copy to them for this to be removed from my credit. XXXX XXXX XXXX  is not willing to correct the error and insist i do all the work to correct their action of accepting a fraudulent credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MI

Complaint narrative:
THIS IS MY 2ND AND FINAL ATTEMENTED TO RECEIVE DOCUMENTATION my name is XXXX XXXX XXXX, and I dispute the validity of the debt shown below and I am REQUESTING documentation showing the following validation of debt request : -Proof of your right to own/collect this alleged debt - HIPPA Contract bearing my personal signature Also, I am Requesting the name and address of the original creditor and HIPPA form with XXXX signature giving Collection Agency XXXX XXXX XXXX XXXX XXXX permission to access and collect my medical records. 
ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$210.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$980.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$590.00} IF THIS REQUEST OF INFORMATION CAN NOT BE PROVIDED, PLEASE CEASE THIS COLLECTION IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MI

Complaint narrative:
THIS IS MY 2ND AND FINAL ATTEMENTED TO RECEIVE DOCUMENTATION my name is XXXX XXXX XXXX, and I dispute the validity of the debt shown below and I am REQUESTING documentation showing the following validation of debt request : -Proof of your right to own/collect this alleged debt - HIPPA Contract bearing my personal signature Also, I am Requesting the name and address of the original creditor and HIPPA form with my signature giving Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX to access and collect my medical records. 
ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$210.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$980.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$590.00} IF THIS REQUEST OF INFORMATION CAN NOT BE PROVIDED, PLEASE CEASE THIS COLLECTION IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: SC

Complaint narrative:
I have noticed there are XXXX accounts on my Equifax report that do not belong to me. I have contacted the collection company and explained to them this isnt me. I also have contacted Equifax about this and I see the XXXX accounts by a company called XXXX XXXX XXXX are still on my credit report. Also XXXX accounts by a company called XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2022, I received electronic notification that my XXXX checking account was being closed after a ATM check deposit in the amount of {$9500.00} was made at a Wells Fargo ATM. The ATM receipt displayed a incorrect deposit amount of {$9000.00}, I immediately called Wells Fargo to report the discrepancy and was provided claim # XXXX. Within 1 hour of reporting this discrepancy, the bank sent me electronic notification that they were closing my account on XX/XX/2022 and suspending all withdrawals and deposit activities immediately. It is not acceptable, fair nor is it professional that the bank has decided to close my account without any logical reason while holding my money " hostage '' until XX/XX/2022. It seems the bank is punishing me for reporting a ATM deposit error which is the bank 's fault. I have been with the bank as a customer for over 20 years and still held my relationship with the bank even as they were facing a headwind of abusive, unprofessional and unauthorized behavior. The illogical closing of my account sadly seems like a continuation of that abusive and illogical practice which is not unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
To whom it may concern, Over the past XXXX XXXX years we have had problems with Flagstar Bank. 
We submitted a loan modification in XX/XX/2021 with Flagstar bank. With the submission Flagstar requested that we quit the claim to the deed of the house in order to secure a permanent loan modification. We successfully completed the trial period with no status update. The process has been delayed and constantly prolonged. Due to the delays and not being able to get any help or proper explanation from Flagstar, the loan modification has been jeopardized. Our loan amount under the modified note hasnt been increased due to the delay. Also when we missed one payment and seemed out for help and to get a loan modification and lower interest rate we were told that we had to miss three payments in order to get a loan modification and that we did not qualify for lower interest rate. This was false. We are seeking help to finalize the loan modification. This has been a very stressful situation. As more time passes we are at risk of losing our home. 


Thank you, XXXX and 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 2022-01-27 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, Experian and XXXX assert all reporting credit bureau information is fraudulent fictitious statements ( 18U.S.C.1001 ) Based on the fact for over 5 years I have been homeless I have not Contacted any debtors that are reported on XXXX XXXX Experian, and XXXX The last date of any activities of those that have been reported on XXXX XXXX Experian, and XXXX was over 5 years ago any activity on these reported delinquent accounts Also it has been over 10 years is the last time I charged anything with a credit card, Therefore someone is fraudulent feeding fictitious statements ( 18U.S.C.1001 ) Information concerning the last time a made any payment to these accounts I need to know by what method and what means that these companies who file delinquent payments how they contact me cuz I never contacted them they have no phone number they have they don't have my address in XXXX  nor do they have my address in XXXX XXXX so how was a contact I dispute all the information fraudulent feeding fictitious statements ( 18U.S.C.1001 ) I attest all delinquent accounts reported exclude { " United States Department Of Education XXXX' LOANS which I will deal with them directly } all other delinquent accounts credit cards stores loans, ECT reported to consumer credit bureaus : XXXX, Experian and XXXX have already meet XXXX anXXXX XXXX XXXX Statute of Limitations on Debt. Therefore should be immediately removed and prevent these companies from being used by malicious persons trying to wreck my credit do not receive any more reports from them use the XXXX XXXX  and XXXX  statute of reporting credit debts limitation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NV

Complaint narrative:
This is XXXX XXXX XXXX XXXX XXXX Nevada I am a direct Express card holder. XXXX XXXX direct Express sent my debt card to someone in XXXX Texas. They stole $ XXXX and put my account $ XXXX have not had access to my account and still don't .Direct Express was supposed to send me a card I have not received one.

I tried calling direct Express there automated system said you're card has been mailed to XXXX Texas. Direct Express and Social security ha XXXX all my information My card should have not ever went to XXXX Texas. This was there mistake I should not be responsible for there mistake that got my money stolen, put my account $ XXXX my identity stolen. Direct Express is Responsible for this and why should it be put on my. account.They owe me $ XXXX take the, $ XXXX off my account. And there ain't nothing they can do to make it right about getting identity stolen. BUT I SHOULD NOT BE RESPONSIBLE FOR ANY OF THIS WHAT SO EVER THEY MADE THE MISTAKE AND IT WAS AGAINST MY ACCOUNT AND THEY STILL HAVE NOT GOT ME THE OWNER OF THE A CARD. THEY SHOULD HAVE TO CLEAN THERE OWN MESS UP THEY HAVE NOT DONE NOTHING TO CORRECT THIS ITS MADE ME PHYSICALLY SICK I CANT SLEEP. 
I NEED THIS CORRECTED. IM NOT RESPONSIBLE FOR THERE MISTAKES MY IDENTITY GOT STOLEN. 
SINCERELY XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: MI

Complaint narrative:
On XXXX closed on my first home at age XXXX. I was given 7 pages of XXXX of payments, which with ins was {$990.00} a month w INS. After XXXX yrs my new statement came in and the monthly payment was increased by {$500.00}, now I'm looking at a XXXX XXXX  month payment. I called the city & was informed the assessment done with previous owner was taxable & capped at $ XXXX, a year later the assessment is now $ XXXX which now increase my month payment by {$500.00} each month. The city said our realtor or lender should have informed me of this, the lender said it is not their job to know each city protocol. How can this be an oversight that the realtor, lender, city, and closer all failed to mentioned. My fiancee has XXXX & I'm a seasonal employee who was approved for a. 2.8 % fixed conventional loan in good standing yet at no point did anyone mention my mortgage after a year may increase as much as a third. I took in account a slight increase, but have 7pages from the lender, documents from the realtor when I made my offer, & along w the city everyone is pointing fingers to each other on this " expected oversight '' being off another {$500.00} on a {$900.00} mortgage is not an expected oversight. Meantime noone or nowhere does my papers mention a suppose proposal A or cap. All I get is accusations of others failing to do their job, yet all give me a different reason for increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
The debt collection company claims that I owe {$1000.00} from an account with XXXX XXXX XXXX and {$180.00} from XXXX XXXX XXXX XXXX. I do not recall open accounts with ANY of those companies, and highly believe that someone else used my information in order to open accounts with those utility companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I paid this auto loan in full. The amount past due was {$580.00}. My XXXX was repossesed and I had to pay to get it out. A debt collector, went to my employer and garnished my paycheck with my employer. The debt was paid again. Then Rubin & Rothman , LLC garnished my employer. I went to court, submitted an Order to Show cause and proved that the debt was paid twice. Rubin & Rothman , LLC would not drop the lawsuit and continues to garnish my paycheck and not report any paid amounts. This {$580.00} debt that is paid is now {$31000.00} for a XXXX XXXXXXXX XXXX that had multiple recalls and was not safe to drive. I had to junk the vehicle because the Anti Brake system was on recall and no one could fix it and it was so old, none of the XXXX Car Dealerships wanted to honor the recall and repair the mini van. 

I reported to the Marshall that this was fraudulent and I reported to the law form that this debt is paid in full and fraudulent. This is fraudulent and illegal.The original debt is only {$580.00} and I am being garnished for {$31000.00} for a vehicle that wasn't worth {$300.00} and I was putting my family and everyone on the road in danger when I drove this 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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!

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