vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Hello Digit, LLC
State: NY

Complaint narrative:
After recently returning home from traveling, I got my mail only to find a XXXX debit card for an account I did not open. As a result, I determined someone must have fraudulently opened the account through XXXX in an attempt to get me to activate the card once I received it. Instead, I immediately reached out to XXXX, but as of yet have not been able to get a written confirmation from their support teams that the fraudulent account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
this to inform about a false derogatory mark on my credit history. The company receivable performance has added a derogatory mark saying that I owe {$720.00} to XXXX. However this is a false accusation, I do not owe anything to XXXX I paid this account in full in XX/XX/2016 and closed the account. Here is the further explanation below Receivable performance has never made an attempt to contact me either by phone, text, email, mail. Absolutely no communication at all. 

I closed my account with XXXX around early/mid 2016 after full payment was made. 

XXXX XXXX never communicated to me that a balance is due ( which I don't believe so ) despite having my email address, mailing address, and phone number. 

I went to T mobile stores multiple times during the week of XX/XX/XXXX to XX/XX/XXXX, to find out what is due on my account and an explanation of the charges, they do not have anything. They couldnt show me any evidence that I owe them money Account was closed 6 years ago and what were they doing for the last 6 years? No attempt to communicate this, no proof that my account has a pending balance. 

I need an explanation for why/what I owe them money? Why have they not reached out to me since 6 years?

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 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Castle Mortgage Corporation dba Excelerate Capital
State: CA

Complaint narrative:
I applied for a loan with Excelerate Capital. I was approved and all of the conditions were satisfied. The lender canceled my loan after my loan was locked and clear to close due to rates going up. The lender verbally committed to a rate of 3.125 %, later they said that they locked the rate at 3.25 %, so my mortgage broker ( XXXX XXXX XXXX ) said they would pay over {$4000.00} to buy the rate down to 3.125 %. The lender issued another lock for 3.125 % with a cost. When my broker ( XXXX XXXX XXXX ) asked the underwriter when the loan documents will be issued, the underwriter stated that the attorney said he will not honor the lock because the rates went up and that they will lose money. Isn't that why the customer has the option to lock? I took a risk in locking the loan because if rates went down, the lender wouldn't give me the lower rate since I locked in the rate. This lender has caused me hardship by not honoring my loan and now rates have gone up and I have no loan. They required that my credit get pulled twice, so I 2 inquiries on my credit report, which lowered my XXXX score. 
Below is the attorney information. I am asking for your help to have this lender honor their commitment to me. I appreciate the CFPB in looking into this matter and having the lender honor their commitment. 
XXXX XXXX, XXXX. 
XXXX, General Counsel Excelerate Capital XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX XXXX ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax Thank you, XXXX XXXX XXXX 1918 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am in receipt of my most recent credit report. There is a card that is being reported as an authorized user that is not my account. I request that this account be removed from my credit report. The account is XXXX XXXX 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 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
After I updated my phone number online Wells Fargo effectively froze me out of my account just before I needed to wire funds for a property purchase. I called in and the agent said I had no option to rectify the situation other than driving to a branch, or to wait for an indefinite time for their tech services to fix the issue. The agent offered no substantive solutions including offering to expedite the issue with tech services. I then said I understood that he couldn't do anything to help me, but that I wanted to file a complaint. He said I would have to wait an indefinite time to speak to the escalations department just to file a complaint. It is pretty embarrassing that a billion dollar company operates this way. They hold hundreds of thousands of dollars of funds I need to purchase property and prevented me from actually using it. There must have been some other option to verify my identity. Instead they simply did not care.

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have on numerous occasions requested a copy of my credit report. Equifax will allow everyone access to my credit report but myself. They take me through all of these prompts. 

I can not gain access to my free annual credit report. I have requested a copy. I have requested for Equifax to mail a copy and they refused. 

This company is placing several different accounts on my credit report and they do not have a copy of my signature nor has their company requested further information from the other companies. 

I am very concerned someone in Equifax is committing fraud against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: TX

Complaint narrative:
I am in receipt of my most recent credit report. There is a card that is being reported as an authorized user that is not my account. I request that this account be removed from my credit report. The account is XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
NMRC has used illegal and immoral practices to attempt to collect questionable debt from me. NMRC has called me multiple times, initially threatening legal action and misrepresenting themselves as a law firm handling my debt, also stating false lawsuits filed. There is no physical signature or agreement with the collection company. XXXX XXXX sold this over to them, agreement was not with said company, with no knowledge of the amounts given by this unknown company. Company has harassed family members, myself, and job. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical orginial paperwork or signature. No wet signature was given to NMRC. I ask that they immediately cease all calls and harassment or legal action will be taken. This account should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MA

Complaint narrative:
On XX/XX/XXXX I was notified by my mortgage company, XXXX, where they offer credit monitoring, that " XXXX XXXX XXXX XXXX '' ( I believe a rent-to-own furniture leasing company. I have never rented furniture from any company ) had reported " a past-due balance of {$4400.00}. '' I have never done any business with this company. I called them and was advised that they could find no information under my name or information. I asked them to send me a letter confirming that, but they sent me nothing. On XX/XX/XXXX, I was again notified by XXXX XXXX XXXX, this time that " XXXX XXXX XXXX XXXX '' was reporting a delinquency of {$4500.00}, and this time they also reported it to Experian, where my XXXX score immediately dropped by about XXXX points. 

I filed a dispute with Experian, and sent an email to XXXX disputing this debt. Experian took it up with XXXX, who said the debt was valid ( but has refused to send me any information about the purported lease or any contract that they believe I signed with them. They indicated that they found the lease that they have flagged as fraud, but refused to send me anything further. They requested I file a police report locally, which I did, and they then said there was insufficient information on the police report and I should next report the fraud here. 

Experian noted on my credit report that I state I have no knowledge of XXXX, but they refuse to drop the delinquency because XXXX calls it valid.

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 2022-02-07 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: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I was notified by my mortgage company, XXXX, where they offer credit monitoring, that " ACIMA CREDIT FKA SIMPL '' ( I believe a rent-to-own furniture leasing company. I have never rented furniture from any company ) had reported " a past-due balance of {$4400.00}. '' I have never done any business with this company. I called them and was advised that they could find no information under my name or information. I asked them to send me a letter confirming that, but they sent me nothing. On XX/XX/XXXX, I was again notified by XXXX  credit monitoring, this time that " ACIMA CREDIT FKA SIMPL '' was reporting a delinquency of {$4500.00}, and this time they also reported it to XXXX, where my XXXX score immediately dropped by about XXXX points. 

I filed a dispute with XXXX, and sent an email to Acima disputing this debt. XXXX took it up with Acima, who said the debt was valid ( but has refused to send me any information about the purported lease or any contract that they believe I signed with them. They indicated that they found the lease that they have flagged as fraud, but refused to send me anything further. They requested I file a police report locally, which I did, and they then said there was insufficient information on the police report and I should next report the fraud here. 

XXXX noted on my credit report that I state I have no knowledge of Acima, but they refuse to drop the delinquency because Acima calls it valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CT

Complaint narrative:
Purchased a phone at XXXX XXXX through XXXX to use. It did not work properly so I returned the phone within the allowed amount of time and was told no bill was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I entered into an investment contract with XXXX VIP XXXX ( the Company ) to transfer XXXX USD. Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my money within a very short period of time. 
I advised Bank of America of this fact on XX/XX/XXXX and I havent received any satisfactory response so far. 
I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money. 
My true issue with the bank is their limited understanding of the kind of recall I was consistently requesting to raise. Whilst I am not denying the demand for the reason code, I have deliberately emphasised to the bank that my case falls under a different reason code. Despite providing the bank with the required explanations of my case, Bank of America preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case. 
Bank of America could have done more at the time of the payment to warn me of the risks of scams - Taking steps to educate their customers about scams - Taking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams - Providing effective warnings to customers if the bank identifies a scam risk - Taking extra steps to protect customers who might be vulnerable to scams - Talking to customers about payments and even delaying or stopping payments where there are scam concerns- Acting quickly when a scam is reported to it - Taking steps to stop fraudsters from opening bank accounts

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 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I received notice on my credit report that I had a " major derogatory mark '' on my credit report relating to my XXXX XXXX Account, filed by a debt collection agency Credit Management LP ( based in Texas ) that bought the debt from XXXX, allegedly stemming from a XXXX XXXX account that I closed and paid off around XX/XX/XXXX since XXXX 's services did not extend to my new location. XXXX and Credit Management failed to provide me with notice of such debt and the late payments, and they presently refuse to remove the credit report off my history despite me paying the {$140.00}, which I do not think I owe them. My credit score now has dropped XXXX points and have a major derogatory mark on it. 

While I have limited access to my XXXX account and XXXX provides little to no documentation for closed accounts, XXXX charged me an additional $ 140~ after the close of my account in XX/XX/XXXX ; provided no notice before the account was closed of such owed payment ; and I received no notice by XXXX  or Credit Management LP re : late payment until the debt was already in collections and on my credit report. 

On XX/XX/XXXX, XXXX also informed me that they do not provide email notices of late bills for closed accounts even though I was signed up for e-billing during my relationship with XXXX, and they only send paper bills to the closed account address despite knowing I was no longer there at such address and without informing me of such policy or the alleged bill when I called in to close my account. In short, there was no way for me to know any potential bill existed because of XXXX 's policies on closed accounts and notices, in addition to thinking I had closed the account back in XX/XX/XXXX after paying off the final bill and returning the equipment to XXXX. 

I reached out to the Credit Management LP ( debt collector whom bought the debt from XXXX XXXX and XXXX XXXX - both claim they can not remove the debt off my report even though I received no notice of such payment and even paid off the debt so it is a zero balance and closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
My mortgage has been sold again - one of numerous sales since we closed on our home. In this transition from XXXX XXXX to Rocket Mortgage, there has been a lapse of all online records for over a week. In addition, there is no way to make payments to principal during the transition process. Lastly, I followed the transition insructions from both companies and made a principal payment prior to the transition as per the instructions. I received confirmation of the payment being received by XXXX prior but balance shown on the Rocket Mortgage site is wrong- it most likely does not include the principal payment. When I called Rocket Mortgage to address these issues, the representative was unable to access my mortgage account information and was informed that a manager would get back to me in 24 to 48 hours. This is truly outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: FL

Complaint narrative:
On XX/XX/2021 I submitted a dispute to Equifax stating Inquiries were Unauthorize and to validate 2 accounts I have no knowledge of! As of date I still have not received a response back to my dispute. I called all companies on XX/XX/2021 to investigate these accounts and requested verification and also as to date I have not received any further information about this very serious matter. As per FCRA 15 USC 1681i ( a ) company has 30 days to response to disputed items once letter is received also pursuant to 15 USC 1692g I never received notification of this alleged debt. Please look into this very serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXXXXXX XXXX XXXX - XX/XX/XXXX Could Not Contact XXXXXXXX XXXX - XX/XX/XXXX Could Not Contact XXXX XXXX XXXXXXXX - XX/XX/XXXX Could Not Contact Regions Band - XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of 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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Could Not Contact XXXXXXXX XXXX  - XX/XX/XXXX Could Not Contact Bank of America - XX/XX/XXXX Could Not Contact XXXX XXXX XXXX XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of 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 2022-02-07 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: MD

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MD

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My complaint is with Wells Fargo. The account was opened while on XXXX XXXX. Wells Fargo stated on numerous occasions that my interest rate will change due to the Soldiers Civil Relief Act. They continued to charge my high interest. I even stated that under the Soldiers Civil Relief Act I was unable to keep up with the high interest payments. They then closed my account and it was sent to collections. After no reasoning with the company they reported an incorrect amount that I owed. I finally settled an amount with the company and the rest was reported on my taxes as earned income. They have continue learning to update information on my credit report. This account should have never went to collections. I have also paid the due amount, and I feel this account should be deleted 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 explanation