vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 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: FL

Complaint narrative:
SOMEONE USED MY PHOTO ID AND SOCIAL TO OPEN THIS FRAUDULENT XXXX XXXX XXXX  XXXX  I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: FL

Complaint narrative:
SOMEONE USED MY PHOTO ID AND SOCIAL TO OPEN THIS FRAUDULENT XXXX XXXX XXXX XXXX  I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-23 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: GA

Complaint narrative:
experian has kept letting XXXX XXXX XXXX, XXXX report a account 2 times since 2015 ive ask them on many different disputes to remove one they refused. this has caise a hard XXXX to my self an family.

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 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am an old XXXX XXXX XXXX man and XXXX blocked my account and did not care that I could not go to a branch to unlock it because i am old, sick, XXXX and there is a deadly virus out there that i can die of. Just because i tried to transfer some money to get my medications my account was locked and no one cares that i am XXXX XXXX dollars short in this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I would like to bring your attention to a serious issue I have with Wells Fargo wires that first took place on XXXX of XX/XX/XXXX. 
I have been victimized by a multilayered scam operation orchestrated by XXXX by the name XXXX XXXX. 
The funds were transferred utilizing Wells Fargo 's services in the total amount of XXXX USD! 
I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with 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 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Was not notified of investigation status or results
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
There was an opened account reporting on my credit with XXXX XXXX XXXX which reflects it was opened XX/XX/XXXX and sold to a collections agency by the name of PDQ Services. I never received a dunning letter or any notification of this account. I disputed the validity of this account along with the missing information as far as the date of last payment which is still MISSING. I sent dispute letters to all XXXX credit bureaus on XX/XX/XXXX requesting validation of this account. They failed to provide proper documents even upon follow up on XXXX. I would like to request the removal of this account from all XXXX credit bureaus along with an updated credit report reflecting the account has been removed. Please see attached for the account reported on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo continues to ignore my question. The last complaint I opened for this same reason was answered with " we've updated your phone number ''. I've called CFPB and informed them Wells Fargo is unwilling to cooperate with me during this process and they've taken notice. They have informed me to continue submitting as many complaints as it takes to get the answers I need. 

So, here we go again. 

Parameters and rules surrounding a mortgage recast are not publicized ANYWHERE. 
I've been asking for this information for years ... in writing through these complaints and over the phone in various depts. Sadly, a little bit extra information seeps out with each additional CFPB complaint. 

I NEED ALL PARAMETERS AND RULES SURROUNDING A RECAST PUT IN WRITING. 

Put it in writing to lock in the features/rules/durations ( ALL GUIDELINES ) so that Wells Fargo does not try to change course when I'm ready to recast. 

Wells Fargo treats recasts VERY DIFFERENTLY from most banks - and DOES NOT PUBLICIZE THIS information. You have a minimum amount XXXX TIMES ABOVE most banks. People in your mortgage department I spoke to today XXXX refused to put the rules in writing for me. 

Complaints will continue. 
It took your bank 60 days to respond to the last similar complaint with " we've updated your phone number ''. Seriously. Looking forward to the half-baked reply to this 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 2020-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: VA

Complaint narrative:
Already sent information concerning loan and problems with XXXX  and/or SST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: NJ

Complaint narrative:
I am a Wells Fargo customer. For months now I have been charged overdraft fees when 1 ) I am not over drawn and 2 ) more than the 3 fees per day their policy says they charge. Their policy says Our  overdraft fee is {$35.00} per item whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means. You will be charged no more than XXXX overdraft and/or returned item ( non-sufficient funds/NSF ) fees per day for Consumer accounts. 

This would imply that you will be charged no more than XXXX fees for overdrawing your account on any given day. However, both a regular customer service agent and a XXXX told me they do charge for more than XXXX transactions, but they carry those charges over to the next day! In the words of their XXXX XXXX, or possibly XXXX, what did you think happened to those charges? Did you think they went away? I said no- I believed I would only be charged for XXXX transactions, not charged for XXXX or XXXX transactions, just spread out over many days additionally, I have been being charged overdraft fees for overdraft fees! Amounting to many hundreds of dollars. Looks like Wells Fargo is back at it- robbing people blind.

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 monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Funding sent a wage garnishment to my employer XXXX aka XXXX  of Illinois and my wages were garnished and the amount was collected in full, I am still being harassed and threatened for legal action, I have contacted Midland several times and they give me the run around stating I have to contact another # and dept and I can not get a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have contacted Experian and XXXX XXXX since I saw on my credit report that a credit card I have is showing as closed at XXXX request. XXXX XXXX has told me the card is open an active and does not see a problem. I contacted experian and after the dispute the status stills says closed on my credit report. They told me XXXX   XXXX  keeps sending back the account is closed when they try to reconcile the dispute. I called XXXX  XXXX  again and a customer service representative told me I requested my card to be closed in XXXX  and hen reopened later on which never happened. I have waited weeks for this to be resolved and every time I call they say they will open a ticket and someone will call me back. I never revive a call.

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 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
Credit company reported a derogatory alert on my XXXX twice in 1 week. The dates reported as listed XX/XX/2020 and XX/XX/XXXX. This company is clearly using these tactics in a attempt to ruin 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 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX and XXXX, I disputed the validity of the debt, and requested the following to provided to me to validate the debt : To whom it may concern, I am writing in response to your letter dated XX/XX/2020, ( copy enclosed ) because I do not believe I owe what you say I owe. 
This is the first Ive heard from you, or any company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts, I respectfully request that you provide me with the following information : 1. Proof that you actually own this debt 2. Statement from the original creditor providing the amount and complete payment history 3. Copy of the SIGNED loan agreement and/or credit card application/contract 4. Copy of a cancelled check from me to the original creditor 5. Proof that you are licensed to collect debts in the state of Georgia Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. 
I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting They have not provided the requested information and are continuing to report negatively on my credit report which has caused my credit scores to decrease and causing me to get a higher rate on an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX sent a wage garnishment to my employer XXXX aka XXXX  of Illinois and my wages were garnished and the amount was collected in full, I am still being harassed and threatened for legal action, I have contacted XXXX several times and they give me the run around stating I have to contact another # and dept and I can not get a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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 — Was not notified of investigation status or results
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
There was an opened account reporting on my credit with XXXX XXXX XXXX which reflects it was opened XX/XX/XXXX and sold to a collections agency by the name of XXXX XXXX. I never received a dunning letter or any notification of this account. I disputed the validity of this account along with the missing information as far as the date of last payment which is still MISSING. I sent dispute letters to all 3 credit bureaus on XX/XX/XXXX requesting validation of this account. They failed to provide proper documents even upon follow up on XXXX. I would like to request the removal of this account from all XXXX credit bureaus along with an updated credit report reflecting the account has been removed. Please see attached for the account reported on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: TX

Complaint narrative:
I have reached out to eqifax, XXXX and XXXX several times to have errors corrected on my credit profile. My sister and I have similar names and the same date of birth. As A result some of her accounts are being added to my profile and vice versa. I have disputed several collection accounts that does not belong to me and all come back " Not deleted '' when these accounts simply aren't mine! I have multiple inquiries on both eqifax and transunion that aren't mine. Reports also that reflect I have outstanding balances for A XXXX XXXX charge off account, World finance, and first premier which are all my sibling accounts and not mine. I requested A free credit report to go over these details after I filed the dispute and was denied A free copy and informed I would need to pay. I had fraud alerts placed on my reports also due to my mother using my information and I informed all credit reporting agencies of such fraud. My scores are all negatively being reflected as poor when these charge off accounts, Collection accounts and inquiries do not belong to me! There are some inqthat are mine and some accounts that are mine. But none of which are in collections or charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA

Complaint narrative:
First Citizens Bank had a promotion to receive a bonus of {$300.00} if you opened a free checking and savings account. Criteria for receiving the bonus was to establish direct deposits of {$1000.00} per month, OR make 10 debit transactions within 90 days of account opening. 

I opened my account on XX/XX/2020, and by XX/XX/XXXX I had completed the 10 debit transactions. The terms and conditions clearly state that they will pay out the bonus within 120 days after completion of all qualifiers. 

It is now significantly more than 120 days since I met all qualifiers and I have not received the bonus. 

On XX/XX/2020 I sent a secure message to First Citizens asking about the status of my bonus. 
On XX/XX/2020 First Citizens responded saying they would research On XX/XX/2020 I sent a SM asking for an update. 
On XX/XX/2020 First Citizens said they are still researching and has no timeline for when they'll have a solution. This is not acceptable, and not in line with their own terms and conditions for the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've been trying to get a personal loan to fix my XXXX  ramp. On XX/XX/2020 I received a message from XXXX XXXX and Sun Trust Bank saying the loan was approved. I contacted XXXX XXXX and he told me in order for them to fund my loan I would need to purchase PPI. My credit score is nearly nonexistent because I don't have a credit history. I've never had credit cards or revolving loans or such things. I transferred the {$75.00} fee to XXXX XXXX as instructed by him. When I asked when the money would be deposited into my checking account he informed me I would need insurance to pay the loan in case something happened to me and I didn't pay the loan. He sent me a message saying it wouldn't require any more money from me. When I got home I got in touch with XXXX XXXX and was told I would need another {$120.00}.. I objected asking about the {$75.00} he now called it a processing fee. I asked him to return the {$75.00} to me and to date I have had nothing processed nor do I have the loan money. I realize I was foolish but I learned a valuable lesson. I would like my {$75.00} refunded from Sun Trust Bank and / or its representative 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 explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control Company, Inc.
State: AR

Complaint narrative:
Credit Control Company has again violated my consumer rights under the Fair Debt Collection Practice Act section 1692E8 with misleading and deceptive conduct by not acknowledging or updating these fraud related accounts are currently in dispute on my credit reports. Control Company continues to violate the Fair Debt Collection Practice Act and Fair Credit Reporting Act under Arkansas by attempting to collect on Medical Debt more than 2 years old.  Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). Prior to entering into an agreement to pay off a debt, a consumer should ensure the debt is actually still due and payable. I also requested HIPPA release documentation which was never provided by Credit Control Company. Credit Control Company has failed to respond or mention this issue regarding my initial complaint and should be held accountable.

Company response to consumer: Closed with explanation