vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: NC

Complaint narrative:
I called Wells Fargo on the morning of XX/XX/XXXX, after I woke up to numerous fraudulent transactions. 6 transactions of {$19.00} made on the night of the XXXX, one for {$49.00}, and 10 for {$99.00} all made between the night of the XXXX and early hours of the XXXX. I called and reported them when I woke up that morning and realized that my account had been compromised. I also asked why they had declined some of the charges and then let them go through without even sending me an alert for fraudulent transactions, since I have never made purchases in succession of this amount to my account. They stated that the funds would be back in my account as a provisional credit, within 2-10 days which they were not. The transactions were made through XXXXXXXX XXXX on XX/XX/XXXX and told them that my card had been used fraudulently without my consent and they told me if I reported it to my bank that the funds should be made available, but they had received no notice from Wells Fargo in the matter. I called Wells Fargo again on the XXXX and asked them about my claim and if they had contacted the merchant and I was told it was under investigation. Exactly 10 days after I made the report today on the XXXX of XXXX I received a notice saying that there was no fraud. This money was in my account for expenses to move. I have recently moved all my money out of the account and now they are sending notices asking if there is fraud but didn't do it while my account was being charged to the tune of nearly {$1200.00}. They also did not send me any information proof about any of the claims I made or what they had done just and email asking about a survey.

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 2024-04-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I noticed a fraudulent account on XXXX XXXX, and I did a dispute on XX/XX/2024. I received a phone call from a man saying he worked for XXXX XXXX XXXX, and he was asking for my current address which I did not give to him. Today XX/XX/2024 a lady rang my doorbell and handed me a paper after reading it, it says has pretrial information to appear in court XX/XX/2024. I have reached out to multiple credit bureaus for assistance and I did a for on the XXXX identity theft website and now I am seeking your assistance.

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 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXXXXXX XXXX XXXX XXXXXXXX # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX date opened XX/XX/XXXXXXXX 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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: IL

Complaint narrative:
My Privacy is being violated by Discover Credit Card. 

I have been a Discover Card member in good standing for several years. I received an email from Discover on XX/XX/2024, that I had 5 days to contact XXXX to SIGN IRS Consent Form 4506-C XXXX If I don't sign to consent for the release my entire INCOME TAX Return to Discover for my existing credit card they will put a hold on my account. 

The e-mail stated if for any reason you unable to complete the consent for to contact Discover at XXXX. Which I did today, XX/XX/2024. I spoke with XXXX, to let them know that I wasn't able to provide consent to release my entire Tax Return Discover, that I wasn't borrowing money from them or taking a mortgage out with them. That I was willing, however, to provide them with my IRS TAX Transcript which provides my income information that they seeking. XXXX told no that is Discover 's Policy they want my entire TAX Return, discover requires to see my entire return. I explained to her my return is quite extensive and there are items within the return that are private but I am unable to share with them but the alternative which is accepted by other financial institutions as well as legal document from the Internal Revenue Service MY IRS TAX Transcript. 

This request is beyond what is needed. Is this legal? I have already had Identity Theft and as a senior I feel this infringes upon the expectation of a credit card organization. I have never had a bankruptcy or bad credit I've owned and paid off many cars and homes. How does Discover treat us this way? 
XXXX XXXX XXXX accepts the IRS Tax Transcripts it is an IRS Document without providing the entire return.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Kindly remove these inquiries. I am not familiar with them, and the company conducted them without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: GA

Complaint narrative:
Could you please delete these inquiries? I am unaware of them, and they were conducted by the company without my consent.

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 2024-04-29 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: GA

Complaint narrative:
I've consistently made sure that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NM

Complaint narrative:
The Apple credit card states that you have until XXXX to pay their credit card. However, when you make a payment after bank hours ( XXXX to XXXXXXXX XXXX. ), the payment doesn't post until the next day. Although, if you make the payment by XXXX, the app tells you that a timely payment has been made. Yet, since it doesn't post until the next day, the card charges you interest on your timely payments. 
I called and spoke to multiple people on XX/XX/year> and demanded a refund on the several months of fraudulent interest that has been charged and I was only refunded one month and then charged again on XX/XX/year> because the payment was made on Sunday, XX/XX/year> ( which is the due date ) and again I was told I made a timely payment, but since it was a Sunday, Apple didn't post it until XX/XX/XXXX. 
They will not provide me the information showing the timely payments and I haven't always screenshot my payments. 
They are fraudulent interest payments and I would like to be reimbursed for all of my interest since I got the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 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: LA

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 2024-04-29 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: LA

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 2024-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Called in XXXX to have our mortgage co the insurance due from escrow as prev insurance company left XXXX. They could not issue payment in time to avoid being dropped and they advised we pay it ourselves and they would reimburse us. We paid in full XXXX for one year on XX/XX/XXXX. They then paid it as well they say, but the statement from our insurance company has only my payment and there was no payment recorded from the mortgage company, New Rez. They say they paid it on XX/XX/XXXX, and I called again, now they say they paid it on XX/XX/XXXX. Neither is correct, They will not issue a refund from Escrow to us for paying it ourselves and now they will not refund the amt. we paid. 
They said the Insurance Company, XXXX XXXX, will send us the refund for overpayment and " thats how its done '' and that thats why New Rez will not release the refund to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The XXXX XXXX XXXX XXXXXXXX XXXX is requesting to collect the debt of {$880.00} according to them for damage in the property. I contact them letting them know since XX/XX/year> for damage in the roof, Noticed high humidity and severe condensation on the ceiling and direct damage to it that caused the door frame and fire detector to be damaged, problems with the air conditioning and they never went to replace or fix the problem. 
I dont feel responsible about the damage caused in the property when I reported the issues on time, I always pay the rent and never left with a debt. 
Is not fair, Please help to resolve this issue with an appropriate agreement.

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was sent an email on XX/XX/XXXX saying that a capital XXXX credit card has been shipped and will be arriving on XX/XX/XXXX. I had not applied for a credit card. Going to Experian, I saw that there was a hard inquiry through XXXX XXXXXXXX listed on XX/XX/XXXX. I also noticed a fraudulent phone number listed on my account that did not belong to me. I Immediately took steps to fix this by locking down my credit file and doing a security freeze. I contacted XXXX XXXXXXXX to launch an investigation on the card as well as locked the inactivated card from the XXXX XXXX app that it allowed me access to. I contacted Experian to launch a dispute over the XXXX XXXX inquiry and dispute the fraudulent phone number.

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 2024-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: DISCOVER BANK
State: GA

Complaint narrative:
Loan was closed and XXXX of the XXXX was to be sent by Discover Home loans to pay off my car. As of XX/XX/year> my car loan was not paid they said a check was mailed XX/XX/XXXX with no tracking information attached. They refuse to send another check until they recover the initial XXXX from a party provider which was requested over XXXX business days ago. I was told it would be XXXX business days max. I have been paying interest on the home equity loan and on my car loan on this XXXX for 26 days and now have to make full payments on both loans as well. They will not escalate the problem and will not put me in touch with anyone higher up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have had multiple breaches of my PII. As a result, I have credit monitoring already in place at Experian XXXX XXXXXXXX. Most recently, XXXX XXXX XXXX breached all my PII and sent me a letter with a code to sign-up for XXXX of credit monitoring at Experian XXXX XXXX. I contacted them about how to add this XXXX to my existing membership, and they said they will not do that but I am welcome to create a new account ( which would be 100 % duplicative ). 

It is already a scam and injustice that XXXX XXXX XXXX got off with a mere XXXX of credit monitoring after releasing my name, phone, address, date-of-birth, and social security number. I will need LIFETIME credit monitoring to be protected. However, now the credit monitoring they offered me is being refused by Experian so they can keep the money from XXXX XXXX XXXX without providing me even the most basic of service.

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 2024-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have applied for forgiveness program and was approved. Nothing has been updated since the approval few years back. The company keeps selling to other companies who keeps reaching out even after letter of approval been given prior. What is the point of applying to XXXX forgiveness program just to keep having the same issue on your credit? I am also having issues with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — Store credit 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: NY

Complaint narrative:
contacted Wells Fargo about dispute on a micro center credit card. When I contacted them they said they would file a dispute. I waited about XXXX weeks never heard anything called them back and was advised that they closed it and I would need to contact the store directly. They never once advised what was going on, how to plead or prove my case or provided any help. The representative was less that helpful and did not provide what was needed for complaint. When I asked about my rights, she was just silent. They did nothing to help except give a phone number to the store for yet another unhelpful person. The first person told me that I would not be responsible for charges on the account until they investigated. If I did not call to follow up I would have default on the debt because I believed it was under dispute. It was underhanded and unfair.

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 2024-04-29 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: TN

Complaint narrative:
I paid this loan for four years without missing payment. The amt kelp going up when I finally just told them I wanted Information on what they were doing they said I had been paying for insurance ce the whole time to cover payment incase got sick. The money wasn't going on paying g the loan. I've never heard of such a thing I ha e ask for paper work I contract, payment history with no return on any of it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: IA

Complaint narrative:
I received an email from Credit Corp Solutions or about XX/XX/XXXX, XXXX Credit Corp Solutions claims I owe a debt. On XX/XX/2024, I sent a cease-and-desist letter to Credit Corp Solutions. The letter contained the following information I sent : You are hereby notified under the provisions of Public Laws XXXX and XXXX, also known as the Fair Debt Collection Practices Act, that your services are no longer desired. 

XXXX ) You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and this state 's Attorney General 's office. I will pursue all criminal and civil claims against you and your company. 

XXXX ) Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. 

XXXX ) Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. 
Since it is my policy neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. 

To this day the Credit Corp Solutions has continued contacting about a debt that I have disputed. Credit Crop Solutions has not provided me with any debt validation and continues to email me and try to collect. Credit Corp Solutions has also place their account on my credit report.

Company response to consumer: Closed with explanation