vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 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 RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXX XXXX  XXXX XXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXX XXXX XXXX, INVESTIGATIVE XXXX INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1 ) ACCOUNT # XXXX AMOUNT : {$2900.00} ( XXXX ) ACCOUNT # XXXX AMOUNT : {$13000.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I bank with Bank of America. I have been with them for many years. One thing I have noticed for a long time is that they do not update account info/balances in real time over every weekend. I can look at their app on Friday and have x amount of money and use the card over the weekend and wake up Monday morning with a negative balance and several overdraft fees. Any other bank I have asked other people about update in real time regardless of day of the week. I feel that BoA does thing knowingly in expectation of profiting from overdraft fees. I have been charged 2 {$35.00} overdraft fees this past weekend, both occur on XX/XX/27 in the attached spreadsheet. If you also review the running balance column, you will see that my balance was never in a negative or overdrawn state. Trying to communicate with BoA is another ridiculous thing. They have about 5 % of their branches offering onsite meetings with dates available weeks in the future. If you call their XXXX number, the wait is always more than an hour and you often get disconnected. If I knew who to contact to file a class action suit against them, I would be pursuing that option. In closing, just let me restate, BoA does not update personal account balances and transactions over any weekend. In this day and age of digital living, I do not see how it is possible that BoA is not updating account info in real time.

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 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XX/XX/21 I deposited check for XXXX. I called my bank on XX/XX/21 to see if the check was clear I was told by my bank it was. I did not touch the money until the XX/XX/21 and sent the money back at the request of the person who wrote the check. Later my bank said the check had BREACH OF WARRENTY and charged me back the XXXX. So now the person has XXXX I would like to get my money back. I would never have sent the check back but td bank told me that the check was good XX/XX/21 so I sent the check back to the company XX/XX/21. I am asking them to put my account right with the XXXX since they allowed a debit on XX/XX/21 which is way beyond the date they should have allowed to debit my account, the 5 to 7 business days had passed and the debit should have been denied. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2021-12-29 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX of this year ( XXXX ) my wife and I found out someone had used my name and social security number to open a Paypal Credit Card with Synchrony bank back in XXXX of XXXX. The person who opened the account had been making the minimum payments of {$20.00} for a few months and then stopped paying resulting in this credit card being sent to collections. It has caused my credit score to drop XXXX points. I immediately contacted Synchrony Bank to find out details about this card and how I can submit a fraud claim. They verified that the address they have on file where they have been mailing bills to was not the same as my address but would not tell me the address they have on file and would not tell me what purchases were made on the card or who was sending them payments. Once I received the fraud paperwork in the mail from Synchrony I filled it out and sent it to them and they have just sent me a letter back saying they denied the claim. Their reasoning was that statements and collections notices had been mailed out even though they have already verified they did not have our address on file until I called in XX/XX/XXXX. Synchrony Bank is saying I'm responsible for this {$1800.00} credit card debt but they won't even tell me what address they have or what purchases were made. I would like to have them remove this card from my credit report as I did not open the account. Someone stole my identity!

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 2021-12-29 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:
My company performed several thousands of dollars of work on a vehicle owned by a Wells Fargo account holder, XXXX XXXX XXXX. Our investigation revealed the fact that XXXX XXXX is a state and federal convicted felon, XXXX XXXXXXXX, fraudster, identity thief and XXXX XXXX person. XXXX XXXX fraudulently disputed the sum of {$2300.00} on his Wells Fargo debit card. Wells Fargo found in our favor, however XXXX XXXX paid a Wells Fargo employee at the branch to reopen the claim. Wells Fargo unlawfully reopened the claim and ultimately unlawfully charged the funds back to my company XXXX XXXX XXXX. The actions of Wells Fargo violate XXXX Policy in that the claim was found in our favor and fraudulently reopened. We are attaching several pieces of evidence and invoices of work done.

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 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased a bag from someone called XXXX XXXX XXXX ( XXXX ) who scammed me and sent me a weighted ball instead of the item I purchased. She has stated that she is issuing me a refund but is now unresponsive. I have contacted my bank, Chase, disputing the charge but the bank has said they will do nothing about it. I sent the amount of {$1300.00} via XXXX on XX/XX/2021. I've contacted the seller, Chase bank, XXXX and the FTC between XX/XX/XXXX and today, XX/XX/XXXX. 

I have documented evidence via multiple text messages from herself and some other person who claims she accidentally received my package and sent me photos. I have an email request from her bank, which is also Chase, where she has notated that she is issuing me a refund. However, she is no longer responding to messages or calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I have filed multiple complaints with cfpb and I have also call usa auto sales inregards to there incorrect account management. Usa auto sales illegally sabotage my vehicle so that I would not be able to make it to work on several occasions by disabling my vehicle after constantly loosing my payments in there system. 
I have tried to be patient with usa auto sales and there incompetence on managing the correct balance. I dont owe us auto sales any balances. I would appreciate if there completely removed from my credit report where they are illegally adding a balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 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: TX

Complaint narrative:
I RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXXXXXX XXXX XXXX, XXXX XXXX. INQUIRIES - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED FROM MY CREDIT 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 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/2021 I submitted a claim to dispute four {$100.00} transactions on my account from XXXX XXXX- a peer to peer payment service. The transaction totaled {$400.00}. Wells Fargo issued a temporary provisional credit but later reversed the credit resulting in my account being overdrawn {$400.00}. 

Upon a review and several calls to Wells Fargo 's Claims Department XXXX Wells Fargo outright refused to investigate the claim because it stated that it was prohibited from opening a claim for peer to peer payment transactions. 

On XX/XX/2021 - two days before XXXX - I was notified by Wells Fargo via email that my checking account was being closed as a result of the overdrawn balance. 

Wells Fargo failed to open a claim against XXXX XXXX XXXX, doing business as XXXX XXXX. 

Wells Faro failed to properly mitigate and remediate these fraudulent transactions even after I advised Wells Fargo that I attempted to resolve the matter with the merchant to not avail. 

I was notified by the Wells Fargo Executive Customer Service they would look into the matter but they never did. As a result of their failure to follow federal laws and a rules and regulations my account remained overdrawn and subsequently closed.

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 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: RAB, INC.
State: TX

Complaint narrative:
XXXX XXXX # XXXX This is my second complaint against this company. 
1st complaint XXXX XXXX XXXX emailed me 23 times and threatened to sue me for theft of services and told me I would go to jail for this. 

This was a business loan even though it states in the contract that this is not a loan. But i received money which I started to pay back immediately but then was unable to do so because my bank closed my account for being negative. Because my business stopped operations for the summer due to Covid. I tried to contact them to let them know my business would not be operating for the summer but their website does not have an email address or a phone number listed. They did not 6 months ago and still do not to this day have any phone number or email listed. 

Also, I am not a personal guarantor for this loan. 

This time XXXX XXXX XXXX called me again but she was impersonating someone else. 
She claimed her name was XXXX XXXX. But this was the same person I spoke with last time. She threatened me with the same actions as last time, threatened to sue me for theft of services and jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
The disreputable organization the complaint is against in general is XXXX who owns both XXXX and Bridgecrest which the latter two commits usury. The APR I am given is 15.43 %. Even for a newer car I shopped around, the interest rate is still above the state 's limits. I have contacted their representatives twice and confirmed that the price given to me online is the actual amount and it is non-negotiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-12-29 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX that a Capital One credit card was fraudulently opened in my name using my SS number via an online application. As advised by XXXX I immediately called Capital One demanding they close the account immediately and asked for a written report on who, what, where, when and especially WHY this fraudulent activity could take place. Not receiving any written documentation, I then sent them a formal letter on XX/XX/XXXX, as recommended by the IdentityTheft.gov website. It is now been over seven weeks and I have yet to hear back in writing from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD bank is ending in predatory banking practices including making profits from its banking customers, including me. I petition this organization to create policies and laws that help protect consumers like me. When banks become gang practicing institutions and are too greedy and selfish with regard to customer concerns, then the whole financial sector is in trouble. Please help fix this problem before millions of Americans suffer as a result of predatory banks like TD bank. I am tired of the way this bank operates. This bank is immoral and predatory in its overdraft fees practices. Please hear and help me. Please please help fix this banks overdraft fees problem before Americans like me pay hefty prices to keep this bank afloat with its evil practices of taking advantage of poor customers. Amen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
The loan was quoted as having an APR of 30 %, when actually implemented, the effective annual percentage rate is closer to 40 % in violation of the 36 % interest cap on XXXX XXXX military personnel. I raised this issue with company, as the effective interest exceeding the statutory limits was NOT disclosed. I have been underwater on this loan since, largely due to the misrepresentation ( fraud ) of their disclaimers and materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
Hello I had a {$10000.00} pay cut. I lost a job. I just got a second job plus I have started XXXX and XXXX XXXX to catch up on my bills. Every month Im getting a threat to get my car repossessed by GM Financial. I feel that we are still in a pandemic and people are still struggling financially. Im make a payment each month and they are wanting two payments now in order for me to keep this car. I have less than 2 years to pay it off and I dont want to give it back. There should be something that companies can do to help with situations like this. Its XXXX stressful and causes XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Amendment to complaint XXXX : I mistakenly stated in my earlier complaint against SPS that my wife was laid-off from her employment position and i received a salary reduction during approximately XX/XX/XXXX. That date should have been documented as XX/XX/XXXX ( during the height of the Covid-19 epidemic ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation