vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems LLC, Garnished my wages due to Identity fraud account opened in my name, reference to Complaint CFPB # XXXX. On XX/XX/XXXX, Jefferson Capital responded with release of Garnishment & ref # XXXX no further collections & the account under XXXX XXXX would be closed. Jefferson Capital Systems Garnished my paycheck, taking more than {$2100.00}, without advising me of a refund. I am requesting an immediate refund. Jefferson Capital, Garnished my paycheck put me in a Hardship. I have over {$3500.00} in outstanding fees due to Jefferson Capital Garnishment ignoring the fact that myself & the three Credit Bureaus, XXXX, XXXX XXXX XXXX sent them the Identity Fraud packet. Jefferson Capital mentioned where they removed the Tradeline from all three Credit Bureaus in XX/XX/XXXX, however still Garnished my wages. I am demanding all monies Garnished & the Hardship that caused me to receive additional fees from where I live totaling {$3500.00}. This has cause me mental anguish, XXXX  & so much frustration due to Jefferson Capital Systems , LLC, greed. Please return all monies Garnished within 3 business days. I have received an eviction letter from my residence regarding this horrible issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Originally I was a Suntrust customer. I continued to utilize my cards. One personal credit card the other business. Truist became the new bank which held now held my accounts. When I went on line to pay my personal card I realize that my Business card was not coming showing. Contacting them, they could not find my information. My business card had XXXX bal. and would not expire until XX/XX/XXXX. I assumed they closed my account. Nothing in writing from them. So I never used the card again, The only card I continue to use was my personal credit card... In the month of XX/XX/XXXX I realized another account was showing with a different number with an outstanding balance of {$190.00}. I contacted them immediately. They claimed it was related to my business card and that amount reflected interest charges from an outstanding balance. When I ask them what purchased was made, they could not retrieve the information. Let me just say my last purchase on that card before it disappeared was for approx. {$14.00} XXXX of XXXX. Secondly the address attached to that outstanding bill was my old address that I had not lived at since XXXX of XXXX. All my statements had been sent to my new address when I made the move when it was still Suntrust. I have been battling this since XX/XX/XXXX. I closed my personal account because of my lack of confidence in this institution. Recently I had a collection agency contact me associated with that account. She said she would provide the information associated with that outstanding debt and mail it to me. In the meantime I get a email from Truist with an on line statement. Logging in I see that not only is that outstanding balance still on there but now it had increased to {$2100.00}. How is that possible? After filing this with their Fraud department, they came back with no resolve. Where is my business credit card and information Truist? It is impossible to reach anyone there. I would like this cleared up and this resolved. Something went awry with the change of hands.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts have incorrect information 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
Frontline Asset Strategies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Current Account Number XXXX XX/XX/2023 Thank you for your response, however there are some things I do not agree with. You say in your response that you mailed me proof and answers to my inquiry on the validity of the debt, but all you did was confirm my personal information and, in your response, you only addressed the fact that you are not required to provided me a copy of my wet signature. You made a false statement in your response because you failed to answer the following questions in my correspondence to you to provide proof and not just validation of my name address sand ocial security number. 
I asked you to provide the following information and you did not.

1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.

Instead, you told me to hire an attorney and make a dispute with the original creditor. My business is not with the original creditor you are the one that is trying to collect the debt. I asked you to provide the above information and you did not. It is your obligation to provide me with proof from the original creditor whom is your client, it is your obligation to provide me the information. It is not my job to dispute the claim with the original creditor since you are the one who is affecting my credit and trying to collect the debt. If you can not provide me with the above information I ask that you remove the collection permanently from all three credit reporting agencies. I am not contacting the original creditor, nor do I need to hire an attorney your attempt to try and put the responsibility on me and not answer the questions that you are obligated to do, shows that you are trying to sidestep your obligations to provide proof that the debt is mine. Again, the creditor is your client you must provide me the proof that I requested. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion is reporting inquiries on my credit report that is inaccurate account information. Informed Transunion numerous of times regarding inaccurate information and credit report. Provided company with proof of account being paid in full and closed. Transunion still refuses to remove inaccurate 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 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
the company came to reposse my vehicle even though i made payments and was told i was making payments on a diffrent account and there is nothing they can do because it was a unknown loan taken out against my name for a vehicle i dont own. i sent company bank statements and confirmation numbers over to try and get this resolved. the vehicle the repossed didnt match the vehicle that i was making payments on without my knowledge. the company basically let someone take out a fradulant loan under my name and didnt even care if i had bank statements and confirmation emeails on the vehicle that i was paying on saying that i was putting it towards someone elses account. Need to get investigation on why my name has a vehicle that i dont even own let alone have in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
For the last three months an image statement surcharge of {$3.00} was added to my checking account. This happened after BMO took over Bank of the West. 
prior to the transition, BMO stated that the a monthly service fee would automatically be waived for customers 65 years or older. The check image fee of {$3.00} would be added if they were requested. There is no mechanism to request or stop the images, so the fee is by default mandatory. 

When I called customer service, I was told many former Bank of the West customers have called to complain.and that BMO was working on it. However, the representative had no idea on what was being done. 

They suggested I go to paperless statements to avoid the fee.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
I received my Lexis Nexus report on XX/XX/2023 and discovered that XXXX XXXX XXXX XXXX is reporting an address that is not associated with me to Lexis Nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC.
State: GA

Complaint narrative:
XXXX XXXX hired XXXX XXXX at Lien Enforcement Department Global Solution Biz LLC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Georgia XXXX to come by my home and take my personal items. XXXX confirmed over the phone the debt owed is about {$7000.00}. I am positive after all illegal fees are removed I owe alot less. They are saying I signed a contract allowing them to seize my personal items. There is no lien filed in the state of georgia. 

This has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My XXXX loan balance is XXXX they reported XXXX I was denied for my mortgage due to this. They stated this was not their fault and I was a victim of credit report timing. They have cost me my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I checked my Equifax credit report on XX/XX/2023 and saw that my score had decreased drastically. I checked the comments associated with the recent score change only to find inconsistencies in the fluctuations of my credit score. Equifax knows that my credit score is referred to by creditors when considering my creditworthiness. Equifax has purposely attacked me by reporting false late payments, since this is 35 % of my credit score. Equifax is not reporting accounts with positive payment history in order to coerce payments for alleged debts and to continue to monetize my nonpublic information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
XXXX XXXX transferred my loan to a new company called Mr. Cooper. Right before the transfer they did a escrow review and calculated a shortage of {$3900.00} for the year or roughly {$990.00} per month ( this was + $ XXXX/month more than previous months ) to start in XX/XX/2023. My total monthly mortgage payment went from {$1800.00} to {$2100.00} per month overall which includes principal. I've explained to both XXXX XXXX and Mr. Cooper that my taxes have not increased, in fact the actual taxes have decreased this year. I've asked them why am I still paying for a projected shortage due to taxes and insurance increasing when my taxes have decreased and my insurance has increased but not enough to justify this much of an increase. Mr. Cooper, my current lender, insists that they have done their calculations correct for the upcoming year and that is not what I'm disputing. I am concerned that I should've received a refund for the overage that I've been paying these past 5-6 months when the actual taxes have not increased, they are much lower than theirs ( and XXXX XXXX 's ) projections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am compelled to file a formal complaint against Wells Fargo for unauthorized transactions on my account, and the ensuing substandard customer service experienced during my resolution attempts. 

On XX/XX/XXXX, around XXXX XXXX  XXXX, I received a deceptive call from an individual impersonating a Wells Fargo fraud department official. Under the assumption of speaking with the bank, I inadvertently disclosed personal information, enabling the caller to replicate my debit card on their XXXX and conduct unauthorized transactions totaling {$5500.00}. 

The perpetrator withdrew $ XXXX cash and cashed a $ XXXXXXXX XXXX XXXXXXXX. When I reported these fraudulent transactions to Wells Fargo, the response was inconsistent and perplexing. I was initially instructed to file a police report to pursue the cashier 's check claim, conflicting with alternate guidance from different branch managers. This only added to the confusion and delay. 

It is unfathomable that Wells Fargo validated and reimbursed the $ XXXX but rejected the $ XXXX 's check claim, especially as both transactions were linked to the same individual, performed concurrently, and at the same branch. This glaring inconsistency indicates a profound deficiency within the bank 's fraud detection and management systems, inflicting financial loss and undue stress. 

Subsequent communications with Wells Fargo 's executive office and my case manager, XXXX XXXX, led to further ambiguity. The $ XXXX was settled ; however, denying the $ XXXX persists without transparent justification. The opaque and contradictory information I received from various bank representatives has been exasperating and obstructive. 

Such discrepancies call into question Wells Fargo 's claim validation criteria and commitment to protecting customers from fraud. I want an exhaustive review of this issue and reassess my claim. 

I am requesting an urgent engagement to ensure equitable redress, including the full restitution of the unauthorized $ XXXXand an explicit rationale for the initial claim denial. The negligent management of this case by Wells Fargo necessitates your intervention. 

Having been a loyal Wells Fargo customer for 20 years, with both personal and business accounts, my expectations of the banks diligence and customer care were significantly higher than demonstrated.I appreciate your consideration and anticipate a just resolution. 

For yourconvenience, I haveattached a screenshot of the two transactions made that day, and a copy of the cashiers check made out to XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX XXXX -- - ( Wells Fargo has my first name, as 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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is not acting in good faith to fulfill my request to investigate my car loan. I paid my loan via their website. Due to a technical issue on their site my payment apparently never went through. XXXX XXXX failed to notify me electronically of the 'late ' account until it was well past due and has now very negatively affected my credit score. I will file complaints with every regulatory agency I can until my credit score is adjusted.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is not acting in good faith to fulfill my request to investigate my car loan. I paid my loan via their website. Due to a technical issue on their site my payment apparently never went through. XXXX XXXX failed to notify me electronically of the 'late ' account until it was well past due and has now very negatively affected my credit score. I will file complaints with every regulatory agency I can until my credit score is adjusted.

Company response to consumer: Closed with non-monetary relief