vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I've tried reasoning with both XXXX and the credit company now. Neither will accept fault and remove this error. Here is the full story. 

I transferred my phone number ( XXXX area code ) into XXXX XXXX XXXX under a brand new account. The representative on the line apparently opened up two brand new separate accounts without my knowledge. They tied my XXXX phone number to one account, and created a brand new phone number for the XXXX account. So now, there are two accounts under my social security number created on the same date. I am only aware of one. I go about my life and pay my bill as I normally would, without any indication or request to pay for the 2nd account. Eventually I receive a letter in from collections stating I havent paid my XXXX account, but when I log in my account is paid in full, on time. 

I've contacted XXXX and spoken to multiple departments. I've explained my story. They understood my issue and admitted fault, but said they can not reverse or cancel the error. They will not contact the credit company and fix this mess. 

I contacted the credit company and explained the situation. They ackowledge that this isnt my fault and XXXX should fix, but will not remove the error from my account. Nobody is helping me. My credit has taken a hit. This debt is going to be on my account for the next 7 years. XXXX is stealing money from me. This is not fair. I need some sort of help, please. 


Specific details : The correct account number : XXXX ( PAID IN FULL AND CORRECT ) The account in collections : XXXX ( WHO MADE THIS? I did not authorize the creation of two accounts. The representative is trying to scam 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 explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I have been trying to reach to this company about this alleged debt but I havent gotten their response so here I am seeking help to the CFPB and Atty General to get this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I paid my home in 2018 and I had my mortgage with Wells Fargo. I am not sure what happened with my payments or if they did something wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had to open a checking account to convert Euros to Dollars, I was given a very poor exchange rate which amounted to a loss/cost of approximately {$XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Came upon hardship to make payments. Sent what I could and vehicle repossessed. Vehicle was sold and they came after me with what they thought the value of vehicle. Was unable to pay it and it went to credit bureau which damaged my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2022 my checking account was over drafted in the amount of {$180.00}. This amount, with the exception of about {$7.00} I think, was solely overdraft fees for insufficient funds. I tried to reach out to Wells Fargo to ask why so many fees had been charged when I only went into the negative by that aforementioned {$7.00} and they advised that every transaction that occurs when my account is over drafted receives a {$35.00} fee. I advised them I only had 1 or 2 transactions occur while overdrafted and they listed multiple others that had actually posted prior to my account being overdrafted and should not have received a fee. I closed my account and switched to a different bank after this happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: AL

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The lady at the bank told me it was not their job to File a fraudulent claim on my behalf or to cover me for any fraudulent activity on my account that I would have to hire somebody else that would help me.. then they closed my account I still have not given me my money that was in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I overdrafed my account because I did not have enough for my bills. They ended up charging my account {$180.00} and then closing it. And they gave me such a hard time about trying to pay it so I can open my account back up. But unfortunately we did not come to a resolution and I believe I got sent to credit collection. So I have not been able to open a bank account anywhere else because of that. This occured in 2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
They do not legally own this debt and I do not either so remove because that means this account is not XXXX XXXX accurate on my credit report by consumer law my credit report is to be XXXX XXXX accurate at all times or Violation fees of {$1000.00} per violation can be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer REPORTING agencies which is XXXX, Experian and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family.

I attach my previous credit report and my new credit report to show how Experian violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I getting charged hidden fees. They are not shown on my statements or online

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 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 explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
This occurred during the transition from First Midwest Bank to Old Nation Bank. 
When I asked if there was going to be a problem with the timing I was told not to worry, it would be a seamless transition. 

I wrote a check to XXXX XXXX for {$1600.00} XX/XX/XXXX on my checking account at First Midwest Bank. I received notification from XXXX XXXX that they had not received my payment. When I checked the number of the check on my account I found out the check had been cashed for {$5000.00} to a person I did not know. I immediately went to the bank ( then First Midwest ) and spoke with XXXX on XX/XX/XXXX. She printed up the check and asked if I knew XXXX XXXX ( the man who altered the check ). I said I had no idea who he was and she did paper work to submit to the bank for bank fraud. I signed the form she gave me and it was notarized at the bank. She suggested I file a police report. I called the police on XX/XX/XXXX and filled out the report ( # XXXX ) with the XXXX XXXX XXXX XXXX Department for forgery and took it to the bank, gave it to XXXX and she sent it in. 

After about two months I thought I should see what was going on and I spoke to XXXX, a banker ( now Old National Bank ). She tried to get in touch with them and after several attempts told me she would call me at home when she knew anything. She called that XXXX  and said she was told it would take 4 to 6 months and I would by notified by mail. 

After 4 months I tried calling customer service at Old National Bank and was told they could not give me any information on the phone nor could they connect me with anyone to discuss this problem. I was told to go to the bank and see a banker. 

I waited until the 6 months were up and went to the bank to try to find out what was going on. I met with banker # 3, XXXX. she said she would find out what was happening and call me. A few days later she said she was told I would have to come into the bank and sign another affidavit. She apologized. I came in on XX/XX/XXXX, signed the paper work and it was notarized and sent in. 

I returned to the bank on XX/XX/XXXX and asked what was happening. she had heard nothing. I asked her to get in contact with the bank and asked that I be given a telephone number of an administrator ( not customer service ) so I could get some answers. As of Saturday, XX/XX/XXXX I have heard nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo XXXX bank XXXX XXXX XXXX and XXXX XXXX Bank stole XXXX in nsf charges and bank fees from another account. Bank went into my checking to pay it off and is was not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I lost my job in XXXX, just after the stock market crashed in XXXX. I tried multiple times to get the payment lowered before I was FORCED to sell my house. Each time I ran into " you don't meet the requirements for refinancing ". I was told that that my account and in good standing, yet I was refused refinancing. Wells Fargo must have records of my calls as there many. This is how Wells Fargo treats it's customers! I had to sell my house to keep from losing it!!! 

If further information is needed please contact 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 explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Funds not allowed to be accessed. Waiting periods. ATM fees. Overdraft fees. Never having credibility when I have had an account for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: MO

Complaint narrative:
I got a personal loan from Republic Finance in XXXX of 2021 for {$2400.00} and they have to be gouging me with interest. I have made 12 payments of {$110.00} every month, and I still owe {$2000.00}. I should be about halfway done paying off my loan, but I still owe close to the full amount. It is not ok to gouge people who are already struggling financially. On the website, there is no way to view the interest they have charged or see how many more payments I have until the loan is paid off. It will only allow me to see the payments that I have already paid. They are hiding important details about the loan and it is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: U.S. BANCORP
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX isn reporting as an inquiry on my XXXX report and i never applied to them on XX/XX/2023 ELAN FINANCI is reporting as an inquiry on my XXXX  report and i never applied for this company either, XX/XX/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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX  has submitted a late payment concerning my XXXX XXXX XXXX XXXX card to the credit bureaus without my consent. This posting was made for the month of XX/XX/XXXX. I spoke with the creditor in XXXX and XXXX of XXXX, and they stated that no changes would be made to the account or the report. 

Comenity Bank has reported a late payment concerning my Victoria Secret credit card to the credit bureaus without my consent for the months of XXXX and XX/XX/XXXX. I spoke with a Comenity Bank representative on XX/XX/XXXX and she stated she was unable to make any adjustments to the account or the report. No explanation as to why was given. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: FL

Complaint narrative:
Equifax has Violated 15 US Code 1681c-2! They have denied receiving my letters to them, they have also denied receiving communication from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: DE

Complaint narrative:
To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights

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