vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On Tuesday XX/XX/XXXX, I parked my car in lot next to the soccer field i was XXXX  at. The team is XXXX and XXXX graders. During the practice, someone stole my wallet and cell phone out of my car. When i got home and realized it was taken ( realized because i received alert on my work cell about potential fraud charge on my work XXXX  card ) i began calling all banks that i had accounts with that were in my wallet or on my phone. I felt good after speaking to all accounts that they would take care of charges and transferred. XXXX helped me transfer my cell service back to an older model phone remote lock phone that was stolen and all passwords were changed. Because it was now after XXXX, i waited until first thing in the morning to contact the police and report the theft. 
Banks that were very supportive and helpful included XXXX XXXX, XXXX, XXXX, XXXX. However, Wells Fargo has been the complete opposite. After calling them back on XX/XX/XXXX, I spoke to their fraud team and explained that my wallet and phone were taken and whoever took it was able to access my wells fargo app and transfer money to themselves through XXXX. I saw as all charges were removed from my credit cards and assumed Wells Fargo would do the same. On Saturday XX/XX/XXXX, i received a letter that stated that WF determined that this was my fault and because they were able to hack into my phone it was my fault for not having a strong enough pass code, they were closing investigation and i was out the {$2100.00} that was transferred out of account. To be clear, that was {$1100.00} directly from checking account and another {$1000.00} ( with {$50.00} fee ) that was transferred from credit card that is on acct for overdraft protection. 
I tried calling same day saturday to talk to anyone but no one from online fraud working and i was just transferred from person to person. Today, more of the same, they confirmed what the letter said and said they would tell investigator but they dont call out. they would voice my complaint but case was closed. 
I am obviously disappointed with their findings and frustrated that no one will listen, no call given so i could explain in more detail or answer questions that i in NO WAY authorized any of this and am the victim of identity theft and fraud. Why can every other bank be understanding and work with me yet Wells Fargo just says sorry. I have been with the bank through all of the mergers for 27 years and cant get a phone call back explaining decision even? 

Something about this feels very wrong. If i understand their ruling, this would mean that anyone that has their account hacked it would be their fault? that just can not be the case. happy to answer any other questions that may come of this. 
thanks 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 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Per the FDCPA, I have a right to request details of any debt from a collector and if they do not respond with my ask, then they are in violation. Now, I've received a letter from an attorneys office asking me if I want to file bankruptcy due to a suit that is coming to me.

I have received collection letters from 3 different collection agencies on the same debt, and I have been writing the Credit Bureaus disputing the debt and asking for investigations and for an explanation and have not received it from the CB or nor from the collection agencies. The 1st letter was sent to the collection agencies on XXXX XXXX, XXXX. Subsequent letters were sent on XX/XX/XXXX & XX/XX/XXXX to the collection agencies. They were sent 'certified mail ' No response from them on my requests. Now they are trying to sue. Please see the letters attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Received a letter early XXXX and phone calls on XX/XX/XXXX. Requested on the phone that day to send an itemized bill, I never received it. Went online and sent in a contact request asking for an itemized bill about a week ago, I still never received it. Got a robot phone call on XX/XX/XXXX asking me to pay the bill, didnt get to speak to a person to ask for the itemized bill. Also sent in another contact request asking for the itemized bill on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
TransUnion, There are 3 unauthorized hard credit inquiries on my report due to identity theft- please have these removed at once. 

Attached you will find a written complain, my drivers license, social security card, address, and identity theft report,

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 2023-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Please reference Complaint XXXX and the attached response for that complaint for the original occurrence of this Venmo outage. I'm filing this new complaint with CFPB to share : ( XXXX ) the issue is still ongoing and ; ( XXXX ) Venmo has been caught lying to the CFPB in its prior correspondence. 

Specifically, I was again locked out of my Venmo account on or around XX/XX/XXXX. I called Venmo support and the agent explained it's a known " glitch '' on their end, there's nothing the customer can do, when a customer has the " glitch '' it tends to come back, and customers just need to call back when it happens for them to apply the fix again. The agent put me on hold and after a little back and forth I was able to log into my account again. 

Note in the prior CFPB complaint, Venmo represented to CFPB that there was no outage and that the account lockout experienced was a security measure, not an error. Venmo also represented that it was acting in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: DISCOVER BANK
State: CA

Complaint narrative:
1. Discover Credit card opened XXXX XXXX. XXXX without my permission. I realized this fraud opened an account in XX/XX/XXXX with a notice from three credit bureaus about delinquent status.

2. I also got the mail from the PBI that there was a data breach and my information belonged to this data breach accident.

3. I sent all of the evidence to three credit bureaus and a Discover card company. 
The other fraud activity accounts were successfully deleted from my credit files. 
But Discover still remains on my credit files. 
The three credit bureaus noticed today that the Discover card was not accepted delete this fraud account with charge-off status. 

XXXX. I got a Data breach notice on XX/XX/XXXX, but I did not live in XXXX in XXXX. I lived in XXXX, XXXX. I moved to XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Original loan amount was {$12000.00} which originated XX/XX/XXXX. Beginning XX/XX/XXXXXXXX  payments started off {$440.00} and continued until XXXX XXXX  without interruption nor late payments. In XX/XX/XXXX, I became XXXX and the insurance covered 5 payments due to my XXXX. Therefore ; One Main Financial has received more than {$12000.00} in payments from me or on my behalf and as of today I still owe more than {$8000.00}. The payoff amount is being stated at over {$9000.00}. Im still XXXX and struggling to make payments and still unsure how the payoff is so high. I didnt begin to have trouble paying until XX/XX/XXXXXXXX  and according to XXXX at One Main Financial thats when things got bad on the account. Every payment I have made since XXXX I havent received any credit for and the balance continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-26 00:00:00
Product: Credit reporting 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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-09-25 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to 15 U.S. Code 1681s-2, I am requesting that you investigate the disputed information and correct any errors. 

Specifically, I am disputing XXXX XXXX XXXX. I have attached documentation that supports my claim and demonstrates that the information is inaccurate. 

I also request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report. 

Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.

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 2023-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is saying I owe money, when property unit was left in Normal condition and they kept all my deposit. Ive requested an itemized bill, have not received. Ive recieved call with threat to my credit and very rude unprofessional customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently spoke with XXXX 's Special Handling Department and inquired about whether the reporting creditor had provided them with proof of ownership in regards to a dispute involving a business account that's being reported on my personal credit profile, despite my lack of responsibility for it, as well as a collection account that I have no knowledge of and have never had an account with that creditor at that address. To my surprise, I was informed that they do not typically request documentation for validation ; instead, they rely solely on a response from the creditor, deeming it valid. I then raised the crucial question : How does this process guarantee the accuracy of the reported account information? 

In response, I was simply informed about their operational procedures and advised that if I wished to challenge the accuracy, I would need to request this information directly from the creditor. Otherwise, XXXX would continue reporting the inaccurate information. I emphasized that I had already included a letter from the creditor validating the inaccuracy of the information. 

In light of this, they mentioned reopening the request, but cautioned that if the creditor once again responds with a validation, XXXX would continue to report what the creditor wishes, leaving me with no recourse but to contact the creditor directly to dispute the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
was not aware of court proceeding. Was not served. Received letter of judgment and wage garnishment. contact midland funding LLC. they requested. Identity Theft Victim 's complaint and affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
These accounts should not be furnished in my consumer report, as they are in violation under, 15 U.S Code 1681b ( a ), ( c ) ( 2 ). 
XX/XX/23 placed theft alerts w/all three reporting agencies. Contacted agencies to inform of theft alert. 
Filed a theft report w/ FTC on XX/XX/23 Unrecognizable accounts with excessive amounts : {$18000.00} - {$3000.00}. 
Unauthorized use of 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 explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX ; XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  - CARD SERVICE XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief