vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX  XXXX XX/XX/XXXX a charge of {$150.00} was charged on my debit card by a merchant assisting with a purchase when my card was not working. The charge was for a e-gift card so a purchase could be made in store but it was unsuccessful and the store mgr was unable to cancel it. She advised calling customer service who advised a refund would be processed. Days past and no refund was ever received nor was the e gift card that was purchased received. I reached out the merchant numerous times and the issue was never resolved they only stated it was being handled by a different department and the card was sent. I called numerous times over a month and a half for assistance in getting my {$150.00} back but told a mgr would call back and the gift card was sent but nothing has ever been received. I eventually filled a dispute with my bank who just recently XX/XX/27 charged my account back for {$150.00} stating it was a valid transaction even though the electronic gift card was never received nor was it authorized by me for that merchant to run my debit card for that purchase.

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 2020-03-02 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: Colony Brands, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, Ginnys and XXXX and XXXX added derogatory information to my credit report that is due to Identity Theft. I notified both companies and was told they would mail an FTC identity Theft packet. I waited for the packet 2 months or more so I contacted FTC. I completed the packet online and forwarded it to both companies and credit bureaus. Although continued to get calls from the companies, customer service stated takes a while and I would receive letter. Assuming they followed the guidelines for fraudulent accounts, I did not think there would be an issue. Due to FrUd Alerts andmy credit report frozen, it would prevent any other issue. In reviewing, XXXX Alert, I am not the only customer with the issue. It appears there has been more identity theft issue with all the Colony Brands companies. Since I am a XXXX XXXX these companies felt I would be more susceptible to their collection tactics with one damaging my credit. Now I find out that they've sold my credit information n.v action to other companies along being one of the victims of several Data Breaches.Recent Fraudulent Activity Recently many businesses, in a variety of consumer related industries XXXX credit cards, mortgage lending, health care, etc. ), have seen increases in attempted identity theft. While our existing security procedures prevented the overwhelming majority of the fraud attempts from being successful, we dont catch them all. As a company, we take this very seriously and are constantly vigilant in taking steps to counter these attempts. In addition, all of our retail companies are working diligently to investigate and resolve all consumer complaints related to this issue. 

If you have received an item from one of the following - XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX & XXXX, Ginny 's, The Swiss Colony, XXXX XXXX, XXXX XXXX XXXX, XXXX  or XXXX XXXX  XXXX - that you did not order, or you received a notice indicating advance payment is required for an item you did not order to be shipped, you may be a victim of this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: NE

Complaint narrative:
I have disputed this item with the credit bureau several times. This continues to be reported on my credit. This is not my debt and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: CURO Intermediate Holdings
State: CO

Complaint narrative:
Inquiry on XX/XX/2020 that I didnt not make. 

Curo management Llc for a personal loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: Colony Brands, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, Ginnys and XXXX XXXX XXXX added derogatory information to my credit report that is due to Identity Theft. I notified both companies and was told they would mail an FTC identity Theft packet. I waited for the packet 2 months or more so I contacted FTC. I completed the packet online and forwarded it to both companies and credit bureaus. Although continued to get calls from the companies, customer service stated takes a while and I would receive letter. Assuming they followed the guidelines for fraudulent accounts, I did not think there would be an issue. Due to FrUd Alerts andmy credit report frozen, it would prevent any other issue. In reviewing, XXXX  Alert, I am not the only customer with the issue. It appears there has been more identity theft issue with all the Colony Brands companies. Since I am a Senior Citizen these companies felt I would be more susceptible to their collection tactics with one damaging my credit. Now I find out that they've sold my credit information n.v action to other companies along being one of the victims of several Data Breaches.Recent Fraudulent Activity Recently many businesses, in a variety of consumer related industries ( credit cards, mortgage lending, health care, etc. ), have seen increases in attempted identity theft. While our existing security procedures prevented the overwhelming majority of the fraud attempts from being successful, we dont catch them all. As a company, we take this very seriously and are constantly vigilant in taking steps to counter these attempts. In addition, all of our retail companies are working diligently to investigate and resolve all consumer complaints related to this issue. 

If you have received an item from one of the following - XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, Ginny 's, The Swiss ColonyXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX - that you did not order, or you received a notice indicating advance payment is required for an item you did not order to be shipped, you may be a victim of this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: GA

Complaint narrative:
ftc violations https : XXXX The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity all company in violations

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 2020-03-02 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: GA

Complaint narrative:
ftc violations https : XXXX The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity all company in violations

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 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The Fair Debt Collection Practices Act XXXX FDCPA XXXX is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity all company in violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have my auto loan with Wells Fargo and I only have 3 payments remaining but because of the account fraud and auto insurance fraud and merchant services fraud, Wells Fargo has put me out of business taking away my ability to earn a living and generate revenue for my business. And of course I am still in an investigation that has been going on for 12 + months because Wells Fargo refuses to answer all of the questions - I recently filed additional complaints that should have been answered back in XXXX or XXXX but Wells Fargo ignored some of the questions. 

In addition, I have filed a previous complaint and I finally received my refund 3 years later and then the check bounces and no apology - they reissued the check an still no apology. My credit report is still damaged. 

On Friday XX/XX/2020 I spoke with Wells Fargo Dealer Services and was told my account was charged off with no consideration for the multiple Wells Fargo frauds. And I was told by Dealer Services that they don't have anything to do with the other Wells Fargo businesses with the ongoing investigation. So they basically did not care about what happened to or how I had money stolen from my account and more importantly the collateral damage from the frauds. 

Also in complaint # XXXX filed on XX/XX/2020, Wells Fargo denied me the opportunity for working capital by ignoring my multiple communication attempts regarding lenders/investors who wanted to provide working capital and they gave the poor excuse that I did not sign a borrowers consent form - it took Wells Fargo 7 + months to craft this poor excuse. This was an opportunity to get working capital and put my business back on track. 

So now my credit is much worse thanks to Wells Fargo.

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 2020-03-02 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: FL

Complaint narrative:
on XX/XX/XXXX, I received a letter with the day with control number # XXXX of XX/XX/XXXX, from XXXX XXXX XXXX XXXX, where they state that " we're sorry but, we are not able to provide the auto coverage you requested at this time. '' Also they state that they use Transunion National Disclosure Services. 

I have a insurance Policy with XXXX # XXXX, that I paid in full from XX/XX/XXXX to XX/XX/XXXX. That means that I have a car insurance policy until XXXX XX/XX/XXXX. 

FACTS : 1 ) I DIDN'T REQUESTED OR AUTHORIZE IN ANY WAY VERBAL OR WRITE, TO ANY BODY OR INSURANCE COMPANY TO OBTAIN MY CAR INSURANCE COVERAGE. 
2 ) THAT LETTER OF XX/XX/XXXX, SHOW THAT XXXX XXXX IS DOING A FRAUDULENT USE OF MY PERSONAL INFORMATION TO JUSTIFY A CAR COVERAGE THAT I NEVER REQUESTED 3 ) I NEVER AUTHORIZE IN ANY FORM TO TRANSUNION TO SHARE OR USE MY CONSUMER REPORT. THEY USE OF MY INFORMATION WAS ILEGAL.

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 2020-03-02 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: VA

Complaint narrative:
On XXXX I disputed this account which was originally reported by XXXX XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my TransUnion Credit Report. 
TransUnion looked into the investigation and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. 

XXXX XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing TransUnion on XXXX claiming I owe XXXX XXXX under my Social Security number. 

After their investigation, they wrote to me on XXXX to inform me that this was deleted from my report. 

Now the company XXXX XXXX account number XXXX trying to illegally add the same creditor under a new name XXXX XXXX XXXX back to my credit report under a new account number but same amount of {$320.00} At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Furthermore, if you look at my report with TransUnion versus my report with XXXX, they are being reported under two totally separate companies with different addresses. 
Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly. 

XXXX XXXX XXXX XXXX, VA XXXX Cc : Attorney General 's Office Cc : 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 2020-03-02 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: VA

Complaint narrative:
On XXXX I disputed this account which was originally reported by XXXX XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my XXXX Credit Report. 
XXXX looked into the investigation and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. 

XXXX XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing XXXX on XXXX claiming I owe XXXX XXXX under my Social Security number. 

After their investigation, they wrote to me on XXXX to inform me that this was deleted from my report. 

Now the company XXXX XXXX account number XXXX trying to illegally add the same creditor under a new name XXXX XXXX XXXX back to my credit report under a new account number but same amount of {$320.00} At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Furthermore, if you look at my report with XXXX versus my report with Experian, they are being reported under two totally separate companies with different addresses. 
Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly. 

XXXX XXXX XXXX XXXX, VA XXXX Cc : Attorney General 's Office Cc 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 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
While in the process of attempting to establish and maintain a positive ; credit rating, score, and payment history ( six, suggested late pays ranging from 30 days to 60 days, some consecutive ) I've noticed that after my account with perfect payment history 's closure in XXXX after a financial fraud was committed on my account and they sent me a card ending in XXXX. Card was replaced twice before. After the data breach of XXXX, CapitalOne Bank 's payment history on my account changed negatively. They also said they will be doing nothing about the matter, that the data is accurate and they can not give me any information on account closure dates. They have me red flagged ever since. I also have been having problems with their customer service agents and pre-qualification tool. 
About the pre-qualification tool first. Three different sites ( XXXX XXXX XXXX, XXXX  XXXX XXXX and suggested I was well qualified for the CapitalOne QuicksilverOne Rewards Card, they offer only to be rejected for the application due to CapitalOne Bank 's corrupt debt handling and collecting practices and policies. Thus, being well qualified? And the tool leaves a HARD inquiry on my credit profile yet suggests no harm to your credit score. 

Lastly, the ambient sounds from CapitalOne Bank 's customer service department was suggesting a pedophile was on the phone stating, " Come on XXXX, can't we grant him a credit card? '' Only to have my customer service agent on the phone with me start talking with an XXXX XXXX accent, followed by a sniffles and laughter. I DO NOT like people trying to discriminate against me, even PLAYFUL ATTEMPTS. The customer service in the background also said that XXXX is a XXXX in XXXX  after attempting to put me on hold. 

THIS IS DISCRIMINATION ( ATTEMPTED AND SUGGESTED ) AND FINANCIAL PROTECTION ABUSE THAT CAPITAL ONE IS ; LIABLE FOR, AND NEEDS TO BE IMMEDIATELY ADDRESSED. 

XXXXCAPITALONE DATA BREACHES XXXX, XXXX, AND XXXX. 
*SUGGESTIVE DEROGATORY REMARKS, SUGGESTED FOR ME, FROM CUSTOMER SERVICE OFFICE ( AND MANAGEMENT ) AMBIENT BACKGROUND AND PHONE REPRESENTATIVE ( S ). 
*CHANGING REPORTED INFORMATION DEROGATORILY AFTER ACCOUNT CLOSURE AND DATA BREACH ( ON STATEMENTS ALSO ). 
XXXX IF ASTERISKS 2 AND 3 ARE TRUE THEN IT'S A PART OF A DISCRIMINATORY GOVERNMENT CONSPIRACY AGAINST ME IN ATTEMPTS TO GAIN FINANCIALLY. CHECK PHONE RECORDINGS CUSTOMER SERVICE AND XXXX XXXX LAST 4 OF CARD ENDED IN XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage Services in falsifying mortgage payment request that are delinquent. They are not my lender. They have sent me numerous invoices in XXXX. The amount due is {$2600.00}. If you call the number, it is clear that it is fraudulent. You only get a recording and no live person answers. They are options to pay with a credit card. Information on the company is as follows : PHH Mortgage XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX Email : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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:
I filled a complaint with you all and Equifax, about companies not being able to pull my Equifax Credit file report. I was told to have the businesses to call the Equifax Business Services for them to Work on the problem. This is the response I received back from the businesses about the Equifax Business solutions about why they can't view my file. I was told that my credit file was too large. I ASKED FOR EQUIFAX TO FIX MY CREDIT REPORT WHICH MEANS THE REASON THEY WERE GETTING THE RESPONSE WAS BECAUSE MY REPORT NEEDED TO BE COMPRESSED IS WHAT THE COMPANY MESSAGED TO ME. Now the Problem I am having is that whatever EQUIFAX did to my credit report my Credit Score is not changing and it shows that accounts weekly are being deleted off and added back on which causes my score to go down when they take the accounts off and even when they put them back on its like nothing happens to bring my scores back up. My credit have went up with the other bureaus 28 to 30 points in 1 month and my Equifax has not moved in months and when it do its only down when I have been paying my cards and credit way down. Something is wrong with my Equifax. I now pay for credit monitoring so I can get notifications an I never get any notifications. This has been every week since they have been fixing my Credit. PLEASE GET THIS MATTER RESOLVED IT'S BEEN LONG ENOUGH. My CONNS account should have been cleared off of my Equifax according to an agreement we made in XXXX XXXX

Company response to consumer: Closed with explanation