vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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: GA

Complaint narrative:
I pulled my credit report earlier this year and noticed there were several errors on my report. The first account listed was a car note reporting multiple late payments. Initially I sent a verification letter to all 3 bureaus on XXXX XXXX. XXXX responded with a frivolous letter stating I needed to prove the validation letters were sent by me. When I sent my validation letters, I attached my Drivers license as a form of identification, however because the responses stated I needed to provide addition proof, I sent a follow up letter confirming I was requesting validation on XXXX XXXX with my Drivers license again. In addition, I never received a response from Experian or XXXX regarding my verification letter, in turn I sent a follow up letter on XXXX XXXX as well to Experian and Experian requesting a this account be deleted since not validation had been completed. My third letter I sent was dated XXXX XXXX, stating how I never received any responses and requesting a deletion of this account if it could not be validated. To date i still have not received any responses regarding the late payments being reporting or an update. In addition, there are several collections account listed on my report as well. I have requested validation of these account on, and still have not received a response. i sent two letters to both XXXX and experian. I have attached all of my documents.

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 2022-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK
State: MO

Complaint narrative:
I received a copy of my XXXX report. I noticed I have a charged off account with Discover Personal Loans in my name. I never applied for a loan with that company. It was opened XX/XX/2016. With a balance of {$10000.00}. The address they have on file for me is not my address and is not associated to me. I would like this account off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have reached out to early warning services because my bank account for XXXX XXXX has been closed because of the information they reported I have not given them any verbal or written consent under 1681 paragraph b to report anything on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My computer was hacked and routed to a person representing XXXX. The fake agent represented themselves as a XXXX agent with title, badge number, etc. The fake agent got full access to my computer. I did not know it was NOT a XXXX agent. The fake agent told me she could see my Bank of America account was hacked. She told me to check if I had any email notices from Bank of America. I did have a message and it was a XXXX number to Bank of America but unfortunately it routed me to a false Bank of America agent . The fake Bank of America agent told me he could see all the activity in my account and read me the last 5 transactions. He then told me there new fraud transactions amounting to over $ XXXX. He told me he was freezing the account and would start to open a new account but needed to report this to Federal Reserve/FDIC . He called me back with a fake FDIC agent and the fake FDIC agent sent me a letter requiring me to move the money over a Federal Reserve account or I would not be protected. I was asked to go to my local Bank of America branch and wire the money. I did wire the money and once he did not set up new Bank of America accounts, I knew it was a scam. I notified Bank of America immediately but they said the wire was gone and I lost the {$220.00}, XXXX transfer. They would try to send a cancelation but the money was already gone. They had no processes in place to avoid or ask questions about unusual account activity and just pointed to the fact that I signed the wire form. They did not even put a fraud group on the call to review the incident, but said it was wire fraud and I signed the paperwork so it is my issue.

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 2022-09-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX Online Set up of {$2500.00} CD account seemed to complete normally. However, I received an email saying that the bank did not approve my new CD opening. I believe the bank may be trying to renege on the advertised rate by disallowing the new account. I asked for an explanation for the denial and was not answered. For the record I have many other CDs in several other banks all across the country. My credit score is over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CATHAY BANK
State: CA

Complaint narrative:
I received credit alert from XXXX for attempted installment loan inquiry by Cathay BankXXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX twice. I contacted to Cathay bank for stop inquiring the loan because I have not apply them. Cathay bank did not respond my e-mail for a month and didn't do anything. I have to place a lock my credit to XXXX by myself. Finally, agent from Cathay bank called me to identify me. It seems like another individual was trying to get a loan by using my false Id. Be aware of this id theft. It happend me three time already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NY

Complaint narrative:
I Did Not Authorize Nor Consent To The Following Inquiries Being Furnished On My Consumer Report. 

1. XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX, and and incorrect name reporting XXXX XXXX, and multiple addresses. 
This has caused me tremendous XXXX XXXX, and financial hardship.

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 2022-09-13 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: BANK OF NEW YORK MELLON CORPORATION, THE
State: NH

Complaint narrative:
Company : BNY Mellon Trust of Delaware Card Services XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX I was the victim of identity theft over a month ago for {$300.00}. There were 3 fraudulent charges placed on my debit card via XXXX XXXX. XXXX XXXX has done virtually nothing to make sure that I was taken care of. 

Charge 1 : {$110.00} Charge 2 : {$76.00} Charge 3 : {$93.00} On XX/XX/2022, between XXXXXXXX XXXX and XXXXXXXX XXXX, XXXX different orders were placed on my XXXX XXXX account. Each of these orders was shipped to different states in the US ; one in Pennsylvania, one in Texas, and one in California. There were also items on each of the 3 orders that were to be picked up in New Jersey. Residing in New Hampshire, anyone with common sense could immediately see that I did not place these orders. My XXXX XXXX membership was inactive for 2 years prior to these orders as well. 

BNY Mellon was responsible for investigating this case. They determined that the charges in question are valid. When I called the agent to get an explanation, he provided NO information about the timing of these transactions, the contents, and the delivery addresses of these fraudulent orders. There was also no tracking of the IP address from which these transactions were made, which would clearly show that the orders were not made from a device in my local area. 

I found it highly inappropriate that this claim was denied in the manner of which it was. I provided ample evidence of each fraudulent order number and delivery address, all of which were located across the country. I even provided the email statement sent from XXXX XXXX stating my membership renewal was fraudulent. I also provided screenshots of each order, with order numbers. Being located in New Hampshire, it is very suspicious that, after almost 2 years of inactivity on my XXXX XXXX account, orders were placed to be delivered in Pennsylvania, Texas, and California in the span of a couple of hours. This is not normal shopping behavior and shouldve been the first area looked at in the prior investigation. 

BNY Mellon has been extremely uncooperative in this matter. They gave me the option to appeal the denied claim by faxing a letter of intent and other supporting documents. The fax number they gave me was not valid ( XXXX ). I tried 3 different fax machines and all of them did not allow me to send to that number. 

After not being able to fax my appeal, I called BNY Mellon back. I was told by the agent handling my case to just email my appeal to XXXX. His name is XXXX and has not been helpful at all ( XXXX ext. XXXX ). It has been over a week and I have not heard back from them at all via email or phone. I have followed up twice and have not heard anything regarding my appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Call from a number impersonating the Consulate General of XXXX XXXX in New York, a criminal gang posing as XXXX XXXX and members of US Department of Higher Education had access to my email and said I never took advantage of a scholarship by the American Government and wanted me to pay cancellation fees or face legal trouble back home and that I was on the American XXXX List, this XXXX XXXX then posed as an employee of the department of Higher Education with this number XXXX on XXXX and phone call. Spoof email : XXXX. After sending me a warning email and forms to fill for cancellation and bank account to transfer to the American Higher Education Department, a SWIFT Transfer ( number XXXX ) was sent for the amount of XXXX $ to the following bank account : Bank Details for Wire Transfer Account XXXX XXXX XXXX Bank Name Wells Fargo Bank, N.A Bank Address XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, United States Beneficiary Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Account Number XXXX XXXX XXXX XXXX Routing Number XXXX Payable Amount {$2100.00} Purpose of Payment XXXX Registrations XXXX Complains already filed as follows : reportfraud.ftc.gov ( XXXX number XXXX ), XXXX XXXX XXXX XXXX, Wells Fargo NA Bank ( XXXX ), Al XXXX Bank ( request number : 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 2022-09-13 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 — Problem with personal statement of dispute
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
I disputed an account in collections on my credit report with XXXX. I submitted the dispute yesterday and it was completed as accurate and not in my favor. This is the second time that I have disputed this and it has been completed as accurate and wont be taken off of my report. I had an XXXX hospital visit back in 2019. I was on Medicaid at the time and was told that I would not pay anything for the visit. I never got a bill for the ambulance or the visit. I feel that it is unfair that this should be on my credit report since I never received a bill for this. I have worked hard to fix my credit and this is the only account in collections. If I had gotten a bill I would have called to talk about it or I would have paid for it but I was not notified of anything that was owed. I was on Medicaid which means I was not responsible for those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Currently, XXXX, XXXX and Transunion are reporting a Bankruptcy XXXX XXXX. I initially sent a letter to all three bureaus on XX/XX/2022, asking if this Bankruptcy could be validated. While waiting for a response I reached out to the Bankruptcy Court and asked if this information could be verified. In turn I was was advised by, Bankruptcy Court does not share or report information with Transunion, XXXX or XXXX. Because I understand it takes time to process a validation requested, I waited until XX/XX/2022 to send another follow up letter. I had received no responses, therefore I requested for Transunion, XXXX and XXXX to provide any supporting documentation that would validate this bankruptcy. Yet again I still received not responses. I sent 2 additional letters on XX/XX/2022 and XX/XX/2022 requesting the bankruptcy be removed from all three bureau 's as none of this information has been verified. Furthermore there were also several student loan late payments and collections accounts on my report that incomplete and inaccurate reporting. As far as the Student loans, I had sent several letters dated XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I noticed there were several late payments indicating I was 120 days late however the previous month I was on time. How can you go from on time to 120 days late within 30 days. This is not accurate and should not be reporting. I have sent four letters asking for validation and i have not received one response, or proof supporting the reportings. Lastly there had been some collections added to my report i had no knowledge of and again i requested for these documents to be validated and i haven't received anything. i have attached all the letters i have sent.

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 2022-09-13 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: Credit Karma, LLC
State: MD

Complaint narrative:
I have been using Credit Karma to track and try to establish/build credit. I am unsure, but their ads of being prequalified may have negatively impacted my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My home loan was transferred to XXXX at the beginning of the year. I started to make my scheduled online payments. In XXXX, I enrolled myself in Autopay. I received a letter from XXXX in early XXXX stating " Our payment drafting program is ready to do the work for you. This notice confirms that you have given authorization to XXXX XXXX XXXX XXXX XXXX to draft recurring monthly payment for your above referenced loan. '' I had already make the XXXX payment online so was under the impression that my XXXX payment would be drafted accordingly. 

I never received any additional letters or notifications from XXXX until XXXX stating my XXXX payment was delinquent and they had also not received my XXXX payment yet. I IMMEDIETLLY called them ( which they have a record of and acknowledged during my dispute ) and XXXX the XXXX and XXXX payments as well as the late penalties ( although I did not think I should have to pay a late fee in this situation ). 

I think re-enrolled in autopay. I received another letter in late XXXX again stating I was enrolled in autopay and their : payment drafting program is ready to do the work for you. '' This time I was sure to check in XXXX if my payment had been drafted, and it HAD NOT. I immediately submitted payment. 

I AGAIN re-enrolled in autopay and once again received a letter stating I was enrolled for XXXX. I didn't receive any correspondence that I was disenrolled any of the times. Again, I was sure to check the status in XXXX and saw it wasn't deducted from my bank account. I made the payment online to assure I wasn't delinquent. 

Shortly after this I sold the house and paid off the loan. Then I went to apply for a new home loan to purchase a new home and was told my credit score had dropped by XXXX points. I have always had credit around 750 and was never delinquent on a payment. I went through the research department at XXXX to try and get this resolved and was told " no adjustments were warranted ''. I have done everything right in this situation and feel I am being wrongfully hurt my XXXXXXXX XXXX  by this scam they seem to be running to try and get late fees from clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: UT

Complaint narrative:
We open a business bank account with Wells Fargo under the name XXXX XXXX XXXX XXXX with the account number : XXXX and Wells Fargo has frozen the account without any explanation. We have been trying to get an answer as to why the account was frozen from the branch and they keep telling my assistant XXXX XXXX that they can not disclose that. It's unfair for the bank to hold our money without a legitimate reason, of which there are none. To the best of our knowledge, the balance as of XX/XX/19 was {$34000.00}.

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Emergent Business Group, Inc.
State: GA

Complaint narrative:
Emergent Business Group contacted me on XX/XX/2022 via phone. 

I have never received anything in the mail about this debt. 

Kindly fill out the documentation i have provided in the fair resolution area of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 
1 : XXXX XXXX  account # XXXX 2 : XXXX XXXX XXXX XXXX  XXXX ) account # XXXX 3 : XXXX XXXX account # XXXX 4 : XXXX XXXX account # XXXX 5 : XXXX XXXX XXXX account # XXXX 6 : XXXXXXXX XXXX account # XXXX 7 : US BKPT CT NJ XXXX ref # XXXX 8 : XXXX XXXX account # XXXX 9 : XXXX XXXX account # XXXX 10 : XXXX account # XXXX 11 : The XXXX XXXX XXXX account # XXXX 12 : XXXX XXXXXXXX XXXX 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.

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 2022-09-13 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 
1 : XXXX XXXX account # XXXX 2 : XXXX XXXX XXXX XXXX  XXXX ) account # XXXX 3 : XXXX XXXX  account # XXXX 4 : XXXX XXXX account # XXXX 5 : XXXX XXXX XXXX account # XXXX 6 : XXXX XXXX account # XXXX 7 : US BKPT CT NJ XXXX ref # XXXX 8 : XXXX XXXX account # XXXX 9 : XXXX XXXX account # XXXX 10 : XXXX account # XXXX 11 : The XXXX XXXX XXXX account # XXXX 12 : XXXX XXXXXXXX XXXX 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.

Company response to consumer: Closed with explanation