vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Some one opened a Checking account with Wells Fargo under my previous married name. I was able to get into the account, change the password and contact Wells Fargo and report it as fraud. I received the debit card in my mail last date, which worries me that the subject may be someone I know and will be coming by my house to retrieve the debit card. User name used to open the account is XXXX. So far Wells Fargo has taken the steps to correct the situation.

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 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
In late XXXX, I opened a XXXX XXXX XXXX Mastercard with Barclays. At the time, the advertised bonus off was XXXX bonus miles if I completed {$3000.00} worth of purchases and paid the annual fee within 90 days. I did this and Barclays has repeatedly acknowledged as much. To date, I have received only XXXX bonus miles. This appears to have been an error or some sort of system glitch. The same thing has happened to my wife who has also been unable to get the matter resolved. 

We opened our accounts months ago to obtain enough miles to pay for international flights at the end of XXXX. The flights are quickly becoming increasingly expensive and we need this resolved ASAP. 

I have been repeatedly contacting Barclays to obtain resolution. I was initially told it would be resolved within 30 days, which was XX/XX/XXXX. Resolution had not occurred and so my wife and I called in and spoke with a XXXX. The XXXX said he would personally call me around XX/XX/XXXX, to follow up on whether there had been resolution and that if I hadn't heard from him or gotten resolution to call in. I did so, spoke to another XXXX and was told it would be resolved within a few days. Another week went by without any resolution so I called back in on XX/XX/XXXX. To date, I have not received my additional XXXX points and my wife has not received hers on her separate account either. At this point, I have no choice but to conclude I am being stonewalled by Barclays in the hopes I will get tired of trying to fix the issue so that they do not have to give the points they promised.

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 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I received a letter in the mail from a debt collection agency stating that I owed {$400.00} and they would reduce the debt to {$200.00} if paid in a timely manner. This is for a utility company that I have never had an account with at an address that I have never lived at.

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 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Accordi g to credit report, accoubt was opened XX/XX/2020 for a credit limit of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Credit Card Customer - Created application for credit limit increase on XX/XX/XXXX - Credit Limit Application was approved, moving from {$3000.00} to {$10000.00} - Credit Limit Increase was then revoked on XX/XX/XXXX due to a fraud alert error - I called Chase on XX/XX/XXXX to resolve the issue. While on the phone with a Chase analyst, the credit limit was increased again to {$10000.00} - Credit Limit was decreased again to {$3000.00} on XX/XX/XXXX due to a fraud alert error - I called Chase again on XX/XX/XXXX and XX/XX/XXXX and was informed that the XX/XX/XXXX increase was made in error by the Chase employed analyst. Chase offered no resolution to restore the credit limit to {$10000.00} and admitted it was due to their mistake. The original credit line increase application has since expired and they will no re-activate it. My only option to increase the limit now is to start over with a new application. 
- Countless hours on hold, multiple transfers, inaccurate information given to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX XXXX opened a line on credit in my name without my consent. Some of my information was used but since they didn't get permission they did have the wrong name ( not my legal name ), and incorrect address. 

Luckily no money was used from the opened line of credit and I contacted the institution which was managing the account, Wells Fargo, and I was able to identify the faulty information as proof and ( 1 ) closed the account, and ( 2 ) submitted a complaint via their institution to try and expunge from my credit report the inquiry for this line of credit. 

I am submitting this complaint incase this is a practice this company has and wanted to ensure, if this is a patter of behavior, others are not made victims too.

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 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is saying that I authorized purchases in which I did for the amount of {$500.00}, however, {$1300.00} was charged by the merchant and I only used {$500.00}! Td bank is telling me an error didnt occur when I know for a fact that it did! I only authorized {$500.00}!! They dont send any proof or anything for the transactions all they do is tell me and Im supposed to be ok with that! No, I am not ok about something that I did not authorize enough is enough! I can not afford to pay for something that I did not do! I find this extremely disturbing that they have no proof but are trying to take the money out of my account! Public information is not proof of a purchase, my name and address? Come on I have a public record and you can get that information from there without any of it being redacted!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
on XX/XX/XXXX i received a membership to usaa banking. i am not in the military nor is any of my family. which you have to be to join usaa. i have also recently received banking statements in access of {$400.00} coming and going out of the account. i tried contacting them to no success. their phone wait times are in excess of XXXX hours at all times of day, only via social media can you get hold of them, to which they respond with generic answers.my info was stolen and this place has allowed someone to doop them with fake military id and make an account in my name and arent responding at all to let me know what is going on. im not sure theres another business in the world that has XXXX hour wait times to talk to someone at every point of the day. i see why people have horrible reviews. i have membership card as well as the bank statements on hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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 — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
In late XXXX I noticed a charge that wasn't authorized. I contacted Destiny card customer service to report it and they closed my card without even asking me. I asked if that is their company policy to close down cards customers dispute unauthorized charges on? Representative stated yes. About 45 days pass and I never received a replacement card. I called them to find out what was going on. They explained it can take 6 weeks and I said that's about how long it has been. I looked at my on line account and my XXXX statement had a unknown address on it and I never changed it or gave anyone permission to do so. I've been living at same address for years. The rep said they would correct the address and send out a new card. I waited over three weeks and my card never came and I also started receiving e-mails about my payment being due. I called again and complained that I still have no card and I have no statements and my online access shows no balance or payment due. The rep checked my account and agreed that no payment was due. He verified my address and it was the same address I told them I had no knowledge of. This rep told me it would be corrected for sure this time. The very next day I get a credit monitoring call from XXXXl XXXX about XXXX receiving a delinquent credit card payment report from Destiny AKA Genesis Financial. I logged onto my XXXX XXXX account to discover my credit score had dropped XXXX points in one day because of this creditor. I thought the fair credit billing act made what they are doing to me illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Student Loans Report differently on all 3 bureaus Dept Ed/ Aidvantage. 

XXXX {$35000.00} XXXX {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, XXXX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: FL

Complaint narrative:
In accordance with the FCRA the following companies listed below have violated my rights as a consumer. 

1. XXXX XXXX XXXX XX/XX/XXXX {$0.00} 2. XXXX  XXXX XXXX XX/XX/XXXX {$0.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$0.00} 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and i never gave authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kenneth, Eisen & Associates, LTD.
State: AZ

Complaint narrative:
I contacted Kenneth, Eisen & Associates , Ltd. at ( XXXX ) XXXX. I called to ask why I was showing a flag from them on my credit report. They gave me the information about the bill and I let them know that it was not accurate information. They tried to get me to confirm personal contact information and I let them know that the date they are saying I gave birth is wrong. They changed the tone of their voice and said well this has never happened and was trying to start an argument with me. I did not respond and just asked for the correct spelling of the provider they were trying to seek payment for and the number to contact the provider.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information.

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 2022-03-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information.

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 2022-03-29 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: TX

Complaint narrative:
Since mid XXXX Equifax has not been able to give me an accurate credit score. XXXX and XXXX have my credit at 700+. Equifax says my credit doesnt exist. I have filed XXXX disputes, both of which did nothing to fix this problem. Im unable to dispute this error with them because its not an option since they show I have no credit history whatsoever. Ive attempted to talk to customer service over 15 times and their only answer is to mail my personal information which Ive done 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have Navient student loans that are private but showing up as federal debits on a XXXX system used by the bank to approve an FHA mortgage. Now I can not get a home loan because of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is in regards to some misinformation reported currently on my credit reports. I would like these items deleted immediately. I have a fraud alert on all my accounts so i dont understand why or how this is still happening. i am a victim of identity theft and i have asked these credit agencies to delete these items and they are still there. i have enclosed a copy of my identity theft affidavit. please delete these as soon as possible.

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 2022-03-29 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: TX

Complaint narrative:
This letter is in regards to some misinformation reported currently on my credit reports. I would like these items deleted immediately. I have a fraud alert on all my accounts so i dont understand why or how this is still happening. i am a victim of identity theft and i have asked these credit agencies to delete these items and they are still there. i have enclosed a copy of my identity theft affidavit. please delete these as soon as possible.

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Yesterday I was going to re-finance my home mortgage with my current lender and then after they ran my credit they notified me how how interest rates were up ( did not tell me before ) so I opted out of refinancing at this time. Then today I started receiving ridiculous amounts of calls on my cell phone and work phone from companies asking if I wanted to refinance with them! I'm talking over XXXX calls before noon. I started answering and yelling at the companies and someone told me Experian gave them my information! I never authorized this!!! I have tried reaching out to Experian and can not get a hold of a real person and have not received a reply back from my email to them. I need this to stop now!!

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 2022-03-29 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: TX

Complaint narrative:
Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY! 
-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
Experian send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

XXXX and XXXX never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.

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 2022-03-29 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: RI

Complaint narrative:
n accordance With the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

15 u.s.c., 1681 section 602A. States I have the right to privacy 15 u.s.c., 1681 Section 604A. A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
n accordance With the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

15 u.s.c., 1681 section 602A. States I have the right to privacy 15 u.s.c., 1681 Section 604A. A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-03-29 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: GA

Complaint narrative:
I received a copy of my consumer report and found out that there are inquiries and accounts I didn't recognize. This is a clear violation of FCRA 15 U.S.C 1681b ( f ) because they are reported without my authorization or permissible purpose and violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations. I believe I am a victim of fraud or identity thief. This makes me really frustrated and I want to seek legal action against this. If ever I want this Consumer reporting agency to compensate for all the damages they created to my consumer report. It really affects my life.

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