vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CA

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I discontinued my XXXX XXXX XXXX in XXXX XXXX and closed out my account in-person the same day I cancelled. They stated that I did not owe any additional fees and I have never received notice otherwise. That is until Radius Global Solutions reached out today, Friday, XX/XX/XXXX, stating that I owed XXXX XXXX {$30.00}. I contacted XXXX XXXX and they were unaware of what I speaking about as I have no linked account with their company. I tried speaking with Radius Global Solutions, but am unable to clear the owed amount without verification from XXXX XXXX. They will not communicate with each other and I am not going to pay the {$30.00}, as I do not owe this money, but do not want this to reflect poorly on my credit. Hopefully this can get cleared up soon.

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 2023-01-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed on my XXXX credit report that I had a Wells Fargo credit card that was overdrawn for XXXX dollars that I did not do. I also did not open a Wells Fargo credit card. I went to the bank to confirm this and was told everything on the account was incorrect regarding my mailing address, phone number, email. I contacted the Wells Fargo fraud department and told them that I have no credit card and that it was fraud. From there I was told it was going to be looked into and contacted later but got no reply. Checking my XXXX  account in XXXX I noticed that Wells Fagro closed the account but in XX/XX/XXXX the Wells Fargo says I now owe XXXX dollars.

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 2023-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am being repeatedly called by XXXX in regards to the XXXX credit card. I have been out of town as an immediate family member died suddenly. I missed XXXX payment due date while I was gone because I had family matters to handle. I have a payment scheduled. I was called XXXX times today ( XX/XX/2023 ) alone. The times are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told them a payment was already scheduled and just buried a family member and their behavior is extremely harassing. I asked them to stop calling me. I have NEVER had a credit card contact me so relentlessly over XXXX missed payment. This has been going on for XXXX  days straight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: NY

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX a fraudulent charge was posted to my account in the amount of {$1500.00}. The merchant was XXXX I did not recognize and had never done business with of any kind : " XXXX XXXX XXXX  ''. 

I immediately lodged a dispute with Citi by telephone, and received an update by mail on XX/XX/XXXX that they were looking into it. Shortly after I noticed that the status of the dispute had been updated to " Customer responsible ''. I called the Dispute team and found out that there had been some misunderstanding due to the transaction being on a virtual account number and the dispute was reopened. 

When I called to request an update on the status of the dispute around XX/XX/XXXX, I was told that my dispute had been closed because I had provided the merchant with the account number. I told them this was not correct and had no basis in fact. Citi requested that I submit these details in writing via email, which I did. ( attached ). 

I eventually received a letter from Citi ( attached ) on XX/XX/XXXX stating : You let us know that you didnt make this transaction ( s ), but during our investigation we learned that you provided the merchant ( s ) with your account information for a series of purchases. You may have seen this transaction ( s ) previously under a different company name or location from where it occurred. Since you provided your account number to the merchant ( s ), we dont consider this fraudulent activity This is entirely incorrect as I had made very clear verbally and via email. I had provided the account number to only XXXX merchants since it was opened, and none of them are even in the travel industry. I called Citi and I was told that I would need to reopen the dispute by mail, which I did ( letter attached ). 

Citi received this letter on XX/XX/XXXX, and responded on XX/XX/XXXX ( only XXXX business day later ) with a word-for word copy of their letter on XX/XX/XXXX. This does not address any of the points I raised in my phone calls, email, and letter, nor did they justify their unfounded position that I had provided this merchant with my account number.

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 2023-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XXXX XXXX  I had a notification that a new mark was established on my credit report from a company I had no idea about. No previous call ( All calls are answered and have not missed a call in over a year as the number called goes to a 24/7 dedicated phone team who answers and records all calls ) This is for a XXXX $ charge that has already been paid for and can not be verified but they would not provide an email to send this over to or even verify the debt. I could not obtain a name, email or direct number as I would just be passed to another manager. 

I am trying to buy a home for my family right now and as were getting started I now have a negative mark for a medical bill on my credit report bringing me out of range for purchasing a home. XXXX points for an error that cant be verified or asked upon Simply had they even reached out to see if this was paid or not, this could have been handled without affecting the life of another. 

The walk in clinic in question has confirmed our account is XXXX as our state insurance covered everything in XXXX  Maybe this was never submitted to our insurance but we already paid this anyways

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
Last XXXX I submitted a request to UWM to set up a property tax and homeowners insurance escrow account for me on top of my existing mortgage with them. They responded, they requested {$6500.00} to set up the escrow account. That was sent to them and I heard nothing from them, since XXXX! That is a lot of money to a single income household. And now they send me a message XX/XX/23 stating that I need to choose whether I want an escrow for insurance or for tax or for both set up? And, if my property taxes are due within 60 days I have to pay it before they can set up the account? Are you kidding me? I am so unbelievably angry right now. Take a look at my credit, I have XXXX scores and take so much pride in keeping my finances straight and paying on time. XXXX XXXX right now. I have attached proof of payment they requested to set up account, I provided their letter and my handwritten letter ( which was also requested )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: NM

Complaint narrative:
The account reported by XXXX XXXX XXXX, for the amount of {$290.00} being a medical collection came back as being verified as belonging to myself. There is no provider evidence that this account belongs to me therefore should not be reported on my credit report. XXXX has already deleted the account from my report due to unverified information!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
A ) First Technology Federal Credit Union does not issue monthly statements with all transactions included. I told XXXX about this on XX/XX/22 and it has yet to be resolved. They will not respond to my phone calls or e-mails XX/XX/22. 

B ) XXXX issues indecipherable credit card statements. Their local branch can't explain them, their telephone help can't explain them, and their credit card office can't explain them. 

C ) XXXX has a bill pay system which doesn't pick valid payment dates when permitted to self-select them. XXXX know of this and claim that it is an unrepairable issue in their system ; unrepairable?!? 

D ) Members of XXXX are not allowed to have XXXX management contact information ; I wrote ( email ) to the President and CEO of XXXX on XX/XX/22 advising him of issue " A ) '' above and he has yet to respond or even acknowledge my message. When I called to get other XXXX personnel contact information, I was told that I am not permitted to have that data and that they must pass all messages to lower management to be passed to upper management ( maybe ). I can supply copies of many emails on topic " A ) '' and limited copies of topics " B ) '' and " C ) '' for more detailed data and to show their responses to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a XXXX XXXX XXXXXXXX XXXX was told by a real estate agent to go on line and get information from XXXX XXXX XXXX XXXX to compare rates. I went on line filled out the XXXX portion of inquiry- after putting in my information I realized that this was a pre-approval form for a loan. I did not continue with the form but closed out screen. Today my husband received a letter of stating the application had been closed because they did not have all my information. It also, states that this action is not reported to the credit bureaus. And does not affect your ability to apply with another lender or reapply with XXXX XXXX XXXX XXXX in the future. 

This company ran a credit bureaus hard inquiry- insisting I gave them the authority to do so,. If I had then they would have had all the information they needed and the application would have been complete. 

When I call them to have them remove the inquiry they argued with me ( XXXX supervisor stated that he was the only supervisor and I had to talk to him!! He LIED! ) I called back and was given " ANOTHER SUPERVISOR '' hearing laughter in the back ground. They refused to remove the inquiry and now my credit rating has gone down XXXX points- And if I wanted to I could not get any loans period because it has taken my rating in the low XXXX 's. 
My husband and I both have a back-ground in XXXXXXXX XXXX XXXX and we know what they are doing is incorrect. 
I am sure they have done this to other XXXX. 
And I feel they need to remove this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint after attempting to resolve this issue with customer service on multiple attempts, and an unanswered XXXX XXXX XXXX complaint. 

On XXXX XXXX XXXX, I received a special offer with a code to open a Wells Fargo checking account, and receive a {$200.00} bonus after {$1000.00} in total direct deposits within the first 90 days. After 90 days, Wells Fargo promised to deposit the bonus within 30 days. I met the conditions, and received an email after opening my account that I qualified for the {$200.00} bonus once I met the direct deposit requirement. On XX/XX/XXXX, I filed a XXXX  complaint, but Wells Fargo hasnt responded with a resolution. Instead, I received a letter in the mail stating that they would resolve the issue within 10 days. That has passed as of today. 

My conversations with customer service at the end of XXXX ended with me being told to give it a few extra days because of the holidays or call us back. On XX/XX/XXXXXXXX XXXX XXXX I again reached out to customer service, and was told that any account bonuses are handled by branches - even though I opened my account online.

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 2023-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got notices that my credit score had gone down, which doesn't make sense as I am paying on time with all of my accounts. I realized that on inspecting my credit reports that there were a couple of bank accounts made using my name and information that I did not open. 2 Bank of America accounts and one XXXX 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 non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Went to XXXX bank on XX/XX/2023 at about XXXX PM to close custodian account since I am now XXXX years of age. And was denied by the teller then spoke to XXXX XXXX at XXXX bank and was given a copy of a policy that only speaks about minors having to have the custodian with them. After speaking with XXXX XXXX and him making several phone calls. I was shown the same policy that strictly speaks of minors on accounts. And was denied access to my funds on my custodian CD. Also denied any account if. He only stated that he saw the account. 
Left a message for XXXX XXXX to contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: DigniFi
State: TX

Complaint narrative:
Dignifi is in violating my rights as a consumer under laws 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S Code 6802 Obligations with respect to disclosures of personal information ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681a - Definitions ; rules of construction consumer report ( 2 ) Exclusions. ( i ) report contai
ning information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
THIS IS NOT A DUPLICATE!!!! 
THIS IS A RESPONSE TO XXXX XXXX XXXX RESPONDED BACK TO MY COMPLAINT MADE ON XX/XX/2022. XXXX STATED THAT THEIR CORPORATION REGIONAL ACCEPTANCE HAD PERMISSABLE PURPOSE TO USE MY SOCIAL SECURITY NUMBER TO PULL MY CONSUMER REPORT. From my understanding if there was no written consent for your corporation to use my XXXX information. That is a VIOLATION of privacy. You also stated that I gave the dealership permission. So there for your corporation did not get permission and the car lot ran my credit there at the lot. Then I started receiving emails and notifications from numerous of banks including yours. This is called unauthorized use of my social security number. Then you said the automatic system declined asap. So in other words you're telling me that your corporation don't do your job. What happen to the underwritter and also finance managers when it comes to car deals? You stated that I needed to work on my credit. According to 15 Us code 1691 my credit does not and can not determine the decision made in the Consumer credit transaction. This is also A violation and credit discrimination. If you look at 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) statement of specific reason basically the reason for the adverse action is discrimination due to the fact that a person with a XXXX XXXX of XXXX gets approved and a person with a XXXX doesnt. So the specific reason is in fact insufficient. Due to the fact that a XXXX XXXX or debt can not be used as specific reason. So what is the specific reason for the denial? This is also a violation of the 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