vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo ( WF ) Bank suddenly closes my account and took {$7200.00}. Initially due to fraudulent activity, WF is closing the account and WF will return the money in a cashier check within 30 days. But, then after 30 days, WF said they are not going to release the fund and there is no explanation. FYI, 1 ) WF did not give me any warning or did not make any communication prior to closing the account. 
2 ) WF never reached out to me to verify or explain any of the activities. 
3 ) WF loss and prevention center did not explain what and why this fraudulent activity is triggered.

4 ) Upon calling multiple times, WF keeps giving me vague reasoning and changing their words. WF also said they are not going to give me an official letter either. 

Please help me out to get this fund released.

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 2022-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I have been trying since XX/XX/2022 to have XXXX, XXXX and XXXX reflect my mortgage term correctly at " 259 Months '' instead of incorrectly at " 264 Months ''. Each credit agency advised that they reflect what is reported by Freedom Mortgage, I contacted Freedom Mortgage and they issued a letter dated XXXX XX/XX/2022 that states they are reporting it correctly at " 259 Months ''. After disputing with XXXX, XXXX and XXXX while providing Freedom Mortgage 's letter of XXXX XX/XX/2022, it became clear that Freedom Mortgage was NOT reporting " 259 Months '' and was actually reporting " 264 Months ''. For XXXX, Freedom Mortgage incorrectly changed reporting from " 264 Months '' to " 22 Years. '' In Freedom Mortgage letter dated XXXX XX/XX/2022, they now contradict their XXXX XX/XX/2022 letter, still claiming to report accurately, but now reporting at " 22 Years ''. Freedom Mortgage states that the XXXX reporting guidelines dictate that mortgage terms should be in yearly values. 

In my letter of XXXX XX/XX/2022, I set forth all the rationale why my term should be reported correctly and accurate at " 259 Months '' and advised that if Freedom Mortgage can not correct this I will file this matter with the appropriate jurisdiction. 

Today, XXXX XX/XX/2022, I received a call from XXXX XXXX, Freedom Mortgage Escalation Specialist, who advised that Freedom Mortgage will not make any further changes and they stand by their XXXX XX/XX/2022 Freedom Mortgage Letter position.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
upon checking my credit report i saw a XXXX Account with a XXXX dollar amount which has been closed and has that balance and i haven't opened a XXXX account let alone acquired a balance of XXXX for anything. whoever stole my information used it to open a XXXX account and upon my investigation i see where there is no monthly account information where any payments have been made, but of course not it was stolen information so they wouldn't pay and that's what i have been trying to point out to the Credit Bureaus

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 2022-08-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
upon checking my credit report i saw a XXXX Account with a XXXX dollar amount which has been closed and has that balance and i haven't opened a XXXX account let alone acquired a balance of XXXX for anything. whoever stole my information used it to open a XXXX account and upon my investigation i see where there is no monthly account information where any payments have been made, but of course not it was stolen information so they wouldn't pay and that's what i have been trying to point out to the Credit Bureaus

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have mailed and twice notarized documentation that the addresses on my credit report were not mine and were used for fraudulent acitivities. 

I've called and spoken with several agents that indicated that the information would be removed. However, its never been removed. Which allows continuation of fraudulent activities under my name. 

I've been given the run around on how to resolve this issue after trying to resolve this is after stopping a fraudulent tax return under my name. Which has happened in the past, without my knowledge.

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 2022-08-08 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: NY

Complaint narrative:
Mailed a letter to XXXXXXXX XXXX by mail on XX/XX/2022 in regards to two Hard Inquiries listed on Credit Reports. 

There is an unauthorized Hard Inquiry from " XXXX '' listed on Equifax Credit Report dated XX/XX/2022, and XX/XX/2022. Spoke with an Equifax representative to dispute on XX/XX/2022. 

Also, there is an unauthorized Hard Inquiry from " XXXX XXXX XXXX '' listed on XXXX Credit Report dated XX/XX/2022. Filed an online dispute on XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: NY

Complaint narrative:
Mailed a letter to XXXXXXXX XXXX by mail on XX/XX/2022 in regards to two Hard Inquiries listed on Credit Reports. 

There is an unauthorized Hard Inquiry from " XXXX '' listed on XXXX Credit Report dated XX/XX/2022, and XX/XX/2022. Spoke with an XXXX representative to dispute on XX/XX/2022. 

Also, there is an unauthorized Hard Inquiry from " XXXX XXXX XXXX '' listed on Experian Credit Report dated XX/XX/2022. Filed an online dispute on XX/XX/202XXXX 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 non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian has no mechanism to reset your username and password that functions. Let me say from the onset, that I have my pin, that was required to put the freeze on. 
Now I can not get to the stage to UNFREEZE, because, even after entering my correct SS # and date of birth, their computer says it is wrong. 
All 3 costumer service numbers I have tried are a truly frustrating nightmare of hellish circles leading nowhere. I would like to reiterate that I have the pin number, enter it, and then I am sent to something about a fraud alert and not about unfreezing. In addition, it is clearly not possible to speak with a person. If you so much as ask the computer to speak with someone, it hangs up on you, even when you are in some kind of dead end technical support. I can not get an equity line of credit, and interest rates are climbing. 
I had a similar situation with XXXX, where a reset of username and password was required, and the situation was resolved in a 5 minute phone call. Experian is apparently a multibillion  dollar company with hundreds of thousands of employees, non of whom can help.

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 2022-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Goodafternoon this is XXXX XXXX I'm emailing you to informed u that it was alot of unauthorized transactions has been done to my Capital one XXXX checking account, I've been complaining about the unauthorized transactions for the past 4 months now ... ... .And I have filed a complaint Capital One bank kept denying me of my disputes ... ... And also I file for complaint someone been using my credit card to make purchases through XXXX with my credit card ... .I have an outstanding balance with Capital One on my credit card that I was unaware of ... ... ..Capital One keep saying that was no error on their end when I have bank statements and a police report ... ... Capital One is not trying to reimburse me back my money ... ..Pls can u assist me with this matter as soon as possible ... ... U can contact me by email or by phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I filed a XXXX XXXX Bankruptcy, in which my loan was reaffirmed with JP Morgan Chase .The reaffirmation agreement amended the terms in my XXXX modification agreement. 

My annual Percentage rate of interest was 2.3750 % variable prior to bankruptcy 2.3750 % fixed rate with the reaffirmation agreement. 

I did not realized that Chase was not applying the correct interest rate until XXXX of XXXX, when I started the process of refinancing my mortgage. At that time I reached out to Chase to rectify this error. I submitted the reaffirmation agreement which clearing shows that my interest was reaffirmed at a fixed rate. 

I requested multiply times a refund of overpayments which they applied toward my interest, and for last three months I have been going back and fourth with their escalation team and received no resolution. 

They have been applying an interest rate of 4.750 % and it should be 2.3750 %. 
I am now requesting a refund for the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
On XX/XX/XXXX I received an email offer related to my Citi/XXXX XXXX XXXX XXXX. The promotion said that if I opened a Citi XXXX XXXX XXXX account and made a deposit into the savings account and left it for a period of time I would earn XXXX XXXX miles. 

The email I received had the terms and conditions in the body of the email, which stated : " ... deposit New to Citibank funds into your On Deposit Balance within 30 days, and maintain that On Deposit Balance for 60 consecutive calendar days, you can earn ... bonus miles. '' I chose to deposit {$10000.00} when I opened my account, by clicking the link from the email on XX/XX/XXXX. 

On XX/XX/XXXX I withdrew my {$10000.00} deposit since it had been 60 days since I had made my deposit. Which according to the terms in the email I received should have entitled me to XXXXXXXX XXXX Bonus Miles. I waited several months for to see if the points would post to my account but they never did. 

In XXXX XXXX XXXX I contacted Citi explaining that I thought they had made a mistake in not giving me my award miles. They launched an investigation and that is the first time they sent me a letter stating that the terms of the deal actually were that I had to leave the funds in my account for 90 days. I appealed the decision because no where in the initial terms in the email had it said 90 days, in fact it clearly states 60 days. The appeal listed new terms I had never seen and nowhere was the 60 days reflected as it was in the email, only 90 days was referenced. 

I have appealed this twice more, both times stating that I had a copy of the email that contained the original terms stating that I only needed to leave the funds for 60 days. No one has ever contacted me asking to see the email, they simply restate the letter with the terms I have never seen before that state 90 days. 

I feel like this was a bait and switch on the terms and I am entitled to the miles as I followed the terms as they were outlined in the initial email I signed up on.

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 2022-08-08 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 canceling credit monitoring or identify theft protection service
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
Fortiva account i am not aware of this as well as the credit one I have a complaint filed on this credit compang for not securing my info.i had my partner talk to them and no verification process nor asking consent from me but all was told to my partner.and that is the reason why i called to them is someone opened an accoint under my mame so i am not surprised that theyet some one used my name. 
All the i quiry is note.i was in XXXX for 10 days still recovering till now i was sick from XXXX and just revoreing now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. The Following Account Was A Charge-Of. Balance should be {$0.00}. 
XXXX XXXX Account NumberXXXX Please remove it from my credit report. 





* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. The Following Account Was A Charge-Of. Balance should be {$0.00}. 
XXXX XXXX Account NumberXXXX Please remove it from my credit report. 





* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I paid off my mortgage with Newrez since XX/XX/2022. 
I have since made two requests without any answer for Newrez to refund me excess amount ( more than {$6000.00} ) that was held in escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc.
State: IL

Complaint narrative:
My XXXX XXXX XXXX child open this card an now I am having trouble closing this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I received a several calls from heavy accent foreigners today XX/XX/2022 stating I had an bill with XXXX XXXX, They even provided me with the last four of my ssn. As I informed them I've never been to XXXX XXXX in my life. They argued me up and down that I've been to be XXXX. I wish someone would audit this company, I shouldn't be harassed at all about an account or bill I don't owe. I would like to know how this company received my information. This company is using my person information and I don't appreciate it,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I got a letter from fraud department at Wells Fargo saying they were going to close an account of mine. I havent banked with them for almost 10 years. Then I received a debit card for that same account and then received the PIN number a few days later. 
I dont want anything to do with Wells Fargo XXXX and would never bank with them because of past issues with their facility. Im afraid theyre trying to trap people into using their bank services. Please contact me if you need any more information from me.

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