vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since I have applied for a Home Loan Modification Request with Wells Fargo Bank last year XX/XX/XXXX, I have had nothing but Series of Delaying Tactics from Wells Fargo Bank and Administration to process this request. I have submitted all the documents required each time as requested only to find out they are never satisfied and they keep requesting for more new documents each time for almost 1 year! The latest request was dated XX/XX/XXXX and XX/XX/XXXX. All documents requested have been submitted to Wells Fargo Bank and Administration. They threaten to remove my Home Loan File from the " Modification Attempt '' by XX/XX/XXXX and Foreclose our Home with my XXXX son. 
Wells Fargo Bank continues to be unreasonable and intimidating consumers like myself. 
I have sent several requests respectfully for your kind assistance to help me and my family with this extremely long modification process to please process as soon as possible. I feel that my family and I are being discriminated and retaliated upon because of our National Origin as Filipinos. Wells Fargo Bank and Administration is going to Foreclose my home like it happened to me in XXXX  as with several homeowners in California and the USA. Sadly this big institution continues to hurt consumers like myself who are simply trying to keep our home affordable. 
Wells Fargo Bank and Administration are retaliating because I have filed many Federal Government Complaints since XXXX. 
I will have no choice but contact the National and local medias like XXXX 60 Minutes or 7 on Your Side regarding this Discrimination and Retaliation. 
Did the Wells Fargo Bank and Administration and their Law Firm make XXXX XXXX XXXX, the Home Mortgage Specialist purposely send me an email ( XXXX ) threating to terminate the Home Loan Modification request? How SAD that such an injustice is being done to us. 
Recently the US Govt. announced a new Federal Program " The Homeowners Affordability and Financial Stability Plan ''

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
With accordance of the fair credit act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit path as late for any purpose.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 1. US DEPT ED Active {$4800.00} N/A of Credit Limit 2 . US DEPT ED Active {$3700.00} N/A of Credit Limit 3 . XXXX Closed {$2700.00} N/A of Credit Limit 4. XXXX Closed {$7600.00} N/A of Credit Limit 5 . XXXX/XXXX  Closed N/A N/A of Credit Limit 6. XXXX/XXXX  Closed N/A N/A of Credit Limit 7. XXXX Closed N/A N/A of Credit Limit 8. XXXX XXXX  Closed N/A N/A of Credit Limit 9. XXXX/XXXX  Closed N/A N/A of Credit Limit

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of the equifax data breach.. I have contact Exquifax and the reporting agencies several times about the accounts reporting on my credit report. now they have failed to remove the account as XXXX and XXXX has already remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
Id like to consider these all identity theft because, I am not aware of any of these inquiries and didnt give my information to anyone to in any sort to perform any activities in this sort.

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 2023-10-28 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
Id like to consider these all identity theft because, I am not aware of any of these inquiries and didnt give my information to anyone to in any sort to perform any activities in this sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! XXXX never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

-- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -Equifax -- -- - XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
They will not validate the debts! They will not provide me with the documentation! They just reporting inaccurate information. 
Section 809 [ 15 U.S.C. 1692g ] validation of debts ( 1 ) The amounts of debt ( 2 ) Name the creditor to whom the debt is owed ( 3 ) A statement that unless the consumer within thirty days after receipt of notice, disputes the validity of the debts or any portion thereof, the debts will be assumed to be valid by the debt collector ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Wildhorse Financial Services, LLC
State: MI

Complaint narrative:
I received the following text message. 
I have not applied for a loan with this lender or any lender. 

I do not know if they Ive done a hard pole on my credit report. 
fTheir website a website for gravity lending like it says in this text message. Ive never heard of them never applied for Long with them. Ive tried to call her number listed and and all I get is a recording that said we can not recall can not be completed as dialed. Please hang up and try again.. I dont know if they exist but Im going to monitor my credit report and make sure that theres nothing that was pulled and just be sure that I have taken her alone but I guess I just wanted to report this company or this lender I dont know Ive never heard of them, and they never replied for the them. I dont know if its scam or a scam. I dont know, but thats why Im reporting it. And I dont even know if Im reporting it to the correct office. Thank you. 


I will be closing your loan application and credit file out at this time. If you are interested in seeing how I can help you save money on this loan please feel free to reach out and I can re-open your application. I have many years of experience in this industry and as a financial professional. I work diligently for my clients and charge no fees. I can be working for you, while you're working for yourself. Thank you for the opportunity and I wish you the very best. - XXXX XXXX, XXXXXXXX XXXX Officer at Gravity Lending

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I got a copy of my credit profile there were items on it, that I didn't recognized including addresses, phone number, incorrect birthdays etc... Which I was able to get deleted. I did a Police, and a FTC report and sent it to the creditor 's, and to Experian Credit Bureau. Experian did remove the items, and then 4 days later it was back on my credit profile. I called Experian and then I was told that it was put back on my credit profile because the creditor verified it was mine. I told Experian once again I'm a victim of identity theft. I told them again I never had these account. I was told I needed to dispute these items to have them removed. I sent in a debt validation letter to Experian disputing these items. I waited 45 days, and it came back verified. I sent out a second response validation letter. It came back verified, and then I asked Experian how is the creditor verifying debt that is not mine? Experian stated the creditor is saying that it was mine. This went on for an entire year with the creditor sending me correspondence 's stating here is the information that I requested which ended up being a monthly statement nothing more. for an entire year without anything other then a bill for every item. I send in information stating this is not validating the debt. For them to please send me the original contract with my signature on it. I have never received this to date XX/XX/. XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) this account only just recently reappeared back onto my credit profile. XXXX XXXX XXXX XXXX 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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
3.5 years ago my wallet was stolen and 3 credit cards were used illegally. They are ; Bank of America # XXXX, XXXXXXXX XXXX XXXX # XXXX and XXXX  # XXXX. The two other credit bureaus have expunged those 3 accounts. Only XXXX continues to carry those 3 bad charges. Causing a XXXX point disparity between those 3 credit bureaus. Id like XXXX to also remove those delinquent accounts. It is adversely affecting my XXXX  score and causing me great XXXX  and despair.

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently started an reinvestigation of my credit report with all 3 bureaus ensure that what they were reporting was 100 % accurate. During that reinvestigation, XXXX and XXXX both deleted the account. Transunion was the one outlier that did not properly investigate or take proper actions after the investigation. I have never done business with this entity and this account should be removed immediately pursuant the FCRA.

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 2023-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Today, I received notification from XXXX XXXX that a company named Genesis Credit Management added a collection to my file between XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  resulting in XXXX points to my credit score. The notice states the original creditor was " XXXX XXXX XXXX at XXXX. '' This is the first and only notice I have ever received in my name regarding this matter. My husband has disputed the debt ( from notices that came directly to him ) since approximately XXXX. It seems Genesis emailed him in or about XX/XX/XXXX and my husband disputed the debt. Genesis appears to ignored the dispute, provided no verification of the debt, then began calling my husband 's personal cell phone. My husband filed a complaint with this agency and has not received any update yet. Since XXXX I have never received any notices, mailings, phone calls, etc., regarding this debt. Genesis has never communicated with me nor provided me an opportunity to dispute the debt prior to adding the collection account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I noticed that a collection from XXXX XXXX XXXX XXXXXXXX is on my credit for XXXX XXXX of which i have an account with and can log in and make payments of which i made one earlier. This account was never sent to collections and i would like it removed off of my Equifax and XXXX. I have no knowledge of this collection agency nor have i conducted any business with either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to complain about the way my bank, [ Bank of America ], has handled my claim of a fraudulent check deposit. My complaint number is XXXX and my claim number is XXXX. 

On XX/XX/2023, I deposited a check into my account after speaking with a bank representative. The representative told me that the only way to know if the check was valid was to deposit it. I did full research because the company that issued the check was suspicious, but I followed the representative 's advice. 

The check cleared and the funds were deposited into my account. However, after 5 days, I did not receive the job offer or the goods and services that I had purchased. I informed the bank immediately and was told that they would investigate the matter. 

On XX/XX/, the bank informed me that they were refunding the full amount of the fraudulent check deposit and considered the claim to be settled. This was after I submitted a claim with a police report and was told that there is no further investigation needed. 

However, on XX/XX/, I was debited {$960.00} for the fraudulent check deposit after the bank recontacted me after 2 month of the settled claim. 

I believe that the bank has violated my rights under the Consumer Financial Protection Act by : Failing to investigate my claim of fraudulent check deposit in a timely manner. 
Debiting my account for the fraudulent check deposit after I had already been refunded and the claim had been settled. 
I am requesting that the CFPB investigate my complaint and take appropriate action against the bank. I am also requesting that the bank be ordered to refund the {$920.00} that was debited from my account. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
The following accounts I did not authorize them to be opened, and would like them removed from my XXXX XXXX consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, USAA will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

USAA Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : 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 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This bank sucks. They charged me a {$29.00} junk fee for submitting a credit card payment early using the wrong bank account. My bank still submitted the payment to them, just a couple days after I initiated it -- AND STILL BEFORE THE DUE DATE. I kindly asked for a fee waiver, and the chat analyst said they " requested '' it, but it was " not approved. '' I have been a cardholder for over 5 years, perfect payment history. Seriously, these people XXXX. That is all.

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