vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is an official grievance against WELLS FARGO BANK ] situated in XXXX XXXX XXXX XXXX Fl XXXX XXXX, CA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. 

For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, WELLS FARGO BANK has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. 

Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. 

Below is the fraudulent account that I need to be removed : WFFNATLBNK ACC # XXXX**** I am attaching proof of this company acceptance to delete for reference

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 2019-05-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
An account that is in my named with Bank Of America was opened XX/XX/XXXX. This account was opened solely by XXXX XXXX XXXX. I meet her and married her in XX/XX/XXXX. I never ask to be put on account and never gave my permission to be added. XXXX had credit card and made ALL CHARGES on account! XXXX SIGNED all charges to account and I never knew that she placed me on account. When she decided to leave marriage she placed me on account and left the marriage. After having no choices she declared bankruptcy which left me on account. I disput all charges and disput being put on account and disput ever signing any paper to be added to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: HI

Complaint narrative:
Loandepot.com gave us a loan to buy a new home yay!! Then they promptly shared our information with many other lenders. These lenders " XXXX XXXX '' notice number XXXX are misrepresenting themselves as the VA. Stating I should call the my VA rep at their number. The person answering the phone stated they are not a VA rep. I have received numerous letters all stating similar things. Get your escrow back? At the bottom in tiny print it states it is a refinance option. I have called them to remove my information many times and it still persists. I OPTED out and am being constantly harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
Whom It May Concern, I have no ideal who or where this company came from but I have never had a account or bill with WWR # XXXXTo The reason for my dispute is WELTMAN, WEINBERG & REIS CO LPA was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also,  WELTMAN, WEINBERG & REIS CO LPA failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809.  Validations of date and Mini-Mirandi under Section 807 ( 1 ) WELTMAN, WEINBERG & REIS CO LPA failed to send me my initial  communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. WELTMAN, WEINBERG & REIS CO LPA* is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where WELTMAN, WEINBERG & REIS CO LPA is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. WELTMAN, WEINBERG & REIS CO LPA has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Today I wanted to open a bank account was told to call XXXX  XXXX   and I filed a dispute last year still on XXXX as not approved. I was a victim of fraud.

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 2019-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Got behind on a couple payments due to a brief hardship. Spoke to lender and they recommend me to complete loan modification forms and would not take further payments after submitting all the documentation the lender would allow documents to expire dragging the process out resulting in me being 12-13months behind on payments owing the lender {$20.00}, XXXX in the rears after keeping the {$4000.00} I sent in to catch up with payments. 

The lender CitiMortgage did not offer me all the protections nor did they provide me all the assistance required by law to help me avoid foreclosure. I have maintain a steady income over the past 12 months and could have easily avoided foreclosure. Currently CitiMortgage have transferred my mortgage to another servicing company XXXX XXXX Account # XXXX which have made everything in more complicated

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 2019-05-09 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: NC

Complaint narrative:
The following accounts do not and have not ever belonged to me : XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$2900.00} XX/XX/XXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my apartment was opened illegally and items were stolen. The police fingerprinted and filed a report on the spot. I have renters insurance through USAA. They asked me to upload the police report which I did right away and all photos of my belongings that were stolen. They asked me to also upload any receipts I had. I did this but they were ignored and they made me upload them 3 times in addition to sending them the very same day via email which they asked me to do. They put a woman named XXXX on my case and things went really slow and she never knew where anything was. She told me an agent needed to come to my home and ask me random questions and see photos and videos they already had in their possession. I was put off by the face that he couldnt interview me by phone but had to come to my home. I need assistance I am being denied due process and they are making errors on my claim. Usaa

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: NC

Complaint narrative:
The following accounts do not and have not ever belonged to me : XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$2900.00} XX/XX/XXXX XXXX {$0.00} 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 2019-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX.account XXXX XXXX , XXXX and XXXX  XXXX, XXXX, gaXXXX.ssn-XXXX.i finished payoff loan auto by jp morgan chasebank, N.A.i went paid it XXXX payoff last days on XX/XX/2018. is closed account.please needs remove lists still on by creitd records compainies.please call them XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: CA

Complaint narrative:
Complaint on Equifax ( Credit Reporting Agency ) On  XX/XX/XXXX, I researched my credit report and found the same error on all three credit reporting agencies credit report ( XXXX, Equifax, & XXXX ). 

I disputed the following entry on all three credit reports : XXXX XXXX Joint Account ; Line of credit : {$5000.00} close : XX/XX/XXXX Note : I never had a line-of-credit with XXXX XXXX. 

XXXX and XXXX promptly investigated and removed the XXXX XXXX  line-of -credit entry from my credit report. 

I had never heard from Equifax. On XX/XX/XXXX, I telephoned Equifax and the call taker told me that I had to provide them, in writing, my social security and drivers license number, before they can provide any relevant information to my complaint. This is redundant. Obviously, writing a social security number and/or drivers license number on a piece of paper does not provide Equifax with any additional details about me, as I can provide my drivers license number over the phone. I had previously provided my social security number to the call taker. Moreover, providing my social security number and/or drivers license number-in writing- via fax or U.S. Mail causes potential for fraud and theft, and/or identify theft. 
I would encourage Equifax to be more consumer friendly and utilize best practices in the investigation of credit reporting disputes like their competitors, namely XXXX  and XXXX. 
I urge XXXX to respond to my XX/XX/XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank received child support payments on a closed account and kept them. {$500.00} in total. Did not notify me they received these payments. My account was close due to a snowball effect of overdraft fees and insufficient funds. A reasonable bank would not keep charging after {$100.00} but they kept charging and this is not the first time I have had this issue with Chase and is why I decided to let the account close. I received a letter from the Attorney general notifying me that my child support payments had resumed and were being mailed to me. The first 7 payments were sent to Chase and they did not return them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
On XX/XX/2019 received a letter in the mail from NCB Management Services Incorporated stating XXXX XXXX and XXXX XXXX has been purchased by them and I have a owed debt. To give them a call to resolve this account and they can offer payment options. The amount owed was {$2900.00}. I typed and signed a letter stating I did not owe nor had I ever opened a account with XXXX XXXX and XXXX and pusuant to the fair debt collection practices act I was respectfully wanting them to provide me with the amount of the debt, the name of the creditor, verification copies to whom this debt was owed, proof they are licensed to collect debts, proof of payments and when the account was opened. I stated I do not have any responsibility for the debt youre trying to collect. 
I sent this letter via usps with a certified and signature required mail on XX/XX/2019. 
On XX/XX/2019 I received a package in the mail with a letter from NCB and documents they provided of proof the debt. The information provided is not fully correct and this is a fraud debt. They sent a Elastic line if credit application, Assignment and Bill of Sale and a statement from XXXX XXXX and XXXX. I never have had a account with them nor does this show on my credit report. Information on the application is incorrect as my email, phone number, last employment, driver license number and bank information. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: NC

Complaint narrative:
On or about XX/XX/2018, I received a phone call from XXXX XXXX  XXXX, on behalf of XXXX XXXX XXXX XXXX. They stated that I owe {$75.00} for services rendered and not paid for. I contend that I do not know of this company or hospital and have never received any care from the creditor in question. Previously, in XX/XX/2018, My home was burglarized at gunpoint. 5 armed thieves stole all of my personal Identification and all of my home electronics. A number of financial and home improvement accounts were opened in my name - fraudulently! I am 100 % adamant that I do not owe {$75.00} to XXXX XXXX and XXXX XXXX XXXX XXXX. The account in question was set-up using my personal identification, which was stolen in XX/XX/2018. I have had numerous battles with TransUnion, XXXX and XXXX. I demand that all erroneous entries be removed at once or I will file an Attorney General complaint against the CRAs and Creditors!

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 2019-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I leased a 2017 XXXX from the following location XXXX XXXX XXXX of XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX , TX XXXX On XX/XX/XXXX, I decided to end my lease early and buy the car. The dealership told me they would pay off my lease loan with Ally Financial and sell the car to me. I agreed and financed the buy loan through XXXX XXXX XXXX. 

To this date, I my lease loan has not been paid off. I have had to pay two months of the lease loan and one month of the buy loan. If I dont, my credit will suffer I have spoken to the General Manager, XXXX XXXX, and he says he does not know when the dealership will be able to pay off the lease loan because the dealership and the entire company of XXXX XXXX is broke. 
He knew this at the time of sell. He, fraudulently, duped me and XXXX XXXX XXXX into believing the dealership obtained ownership of the car for resale. XXXX XXXX XXXX paid the dealership {$32000.00}, which I am responsible for paying. Yet, XXXX XXXX XXXX does not have the title for the car bc its owned by ally. 

I am stuck paying two car loans for one car and if not resolved soon, ally wants their leased car back and I will owe XXXX XXXX XXXX for a loan with no car. 

I will be forced to default on my loan and credit suffer for years XXXX XXXX ignores all of my attempts of follow up on the matter, including the past due registration of the car

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 2019-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION
State: CT

Complaint narrative:
Alliant credit union closed my account ( XX/XX/2019 ) but it has been close to a month without sending back my money ( over {$2900.00} ). I can not login online. I called them on the phone and I was told someone would call me back but no one did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: NC

Complaint narrative:
On or about XX/XX/2018, I received a phone call from XXXX XXXX XXXX, on behalf of XXXX XXXX 's XXXX. They stated that I owe {$75.00} for services rendered and not paid for. I contend that I do not know of this company or hospital and have never received any care from the creditor in question. Previously, in XX/XX/2018, My home was burglarized at gunpoint. 5 armed thieves stole all of my personal Identification and all of my home electronics. A number of financial and home improvement accounts were opened in my name - fraudulently! I am 100 % adamant that I do not owe {$75.00} to XXXX XXXX and XXXX XXXX 's XXXX. The account in question was set-up using my personal identification, which was stolen in XX/XX/2018. I have had numerous battles with XXXX, XXXX and Equifax. I demand that all erroneous entries be removed at once or I will file an Attorney General complaint against the CRAs and Creditors!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: NC

Complaint narrative:
On or about XX/XX/2018, I received a phone call from XXXX XXXX XXXX, on behalf of University XXXX XXXX XXXX. They stated that I owe {$75.00} for services rendered and not paid for. I contend that I do not know of this company or hospital and have never received any care from the creditor in question. Previously, in XX/XX/2018, My home was burglarized at gunpoint. 5 armed thieves stole all of my personal Identification and all of my home electronics. A number of financial and home improvement accounts were opened in my name - fraudulently! I am 100 % adamant that I do not owe {$75.00} to XXXX XXXX and University XXXX 's XXXX. The account in question was set-up using my personal identification, which was stolen in XX/XX/2018. I have had numerous battles with XXXX, Experian and XXXX. I demand that all erroneous entries be removed at once or I will file an Attorney General complaint against the CRAs and Creditors!

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 2019-05-09 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: MO

Complaint narrative:
Transunion is damaging my reputation and credit worthiness. Not only are they reporting an account that is passed the statue of limitation they are reporting inaccurate unverified information on my credit report. I have reached out to XXXX & XXXX XXXX several times with no help and send out letters. There is an inconsistency of reporting even just the account number, date opened, terms, payment status, date last reported, DOLA, DOLP, and payment history grid among other aspects question validity of 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 2019-05-09 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: MO

Complaint narrative:
Equifax is reporting misleading or unproven information damaging my reputation and credit worthiness. Not only are they reporting an account that is passed the statue of limitations. They are reporting inaccurate unverified information on my credit report. I have called XXXX XXXX XXXX XXXX several times with no help and send out letters. There is an inconsistency of reporting even just the account number, date opened, terms, payment status, date last reported, DOLA, DOLP, and payment history grid among other aspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My XXXX XXXX report claims that I had opened a account with us bank on XX/XX/2015 which at the same time I was doing a XXXX term so how can that be

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