vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC
State: MD

Complaint narrative:
I received a text message on XX/XX/2024 from the following number : ( XXXX ) XXXX. Claiming to be from a company called Wakefield & Associates. I believe the following message is a scam and they are trying to steal peoples personal and private information to steal funds and/or assets. The message stated the following : *insert photo image* Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, TN XXXX This private message is from Wakefield & Associates LLC ( Wakefield ) , a debt collector. 

Please review the contents of this message and any attachment ( s ) in private so that other people may not view it. The attached message is encrypted. 

To open your encrypted message : 1. Double click on the secure PDF attachment 2. When prompted for a password, please enter your 5-digit zip code to open the encrypted message. 

This is a post-only communication from Wakefield. Please only respond to this communication with STOP if you do not wish to receive communications via text message from Wakefield in the future. If you have questions or concerns regarding the communication or if you experience trouble opening the attached document, please call ( XXXX ) XXXX. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. 

Sincerely, Wakefield & Associates , LLC. 

Then, I received an additional text stating XXXX A notice from Wakefield and Associates, a debt collector. Password is 5 digit zip code. Reply HELP or info or STOP to end. This concluded the whole text message I received. 

However, when I completed a reverse phone lookup the caller id stated XXXX, XXXX of XXXX, Wisconsin. This person is attempting to scam people out of money and their personal information. Please be sure that they cease and desist and their fraud operations are shut down. They are posing as a legitimate company. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You are reporting inaccurate and incorrect information on my credit file. 
This information needs to be investigated, verified and correctly amended straight away and all erroneous item removed from my credit report XXXX XXXX XXXXXXXX.

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 2024-05-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo customer service to request they NOT automatically renew a XXXX XXXX CD at 5 % rate. They said ok. Then I noticed the CD was renewed- to a 2 % interest rate CD. I went into the XXXX Wells Fargo bank on XXXX XXXX and was told I did not say " CLOSE the CD '' so my request was not honored. They had NO explanation for why the bank renewed me to a very low interest rate CD maturity date XX/XX/24. 
Obviously it is in Wells Fargo 's interest to give me a 2 % yield vs 4-5 % available in many CDs. Moreover, they require a phone call to stop auto renewals- with exactly the correct language during a XXXX day grace period. 
I find this an egregious betrayal of fiduciary & ethical standards. My call to stop auto renewal was handled in a misleading way, the CD renewed to an exceptional low interest rate. This tricky burden on the consumer that produces a benefit to the bank is soft fraud.

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 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and did not authorize opening a XXXX Credit card. I have tried multiple times to contact XXXX, via telephone, filing disputes and through letter, but they keep reporting inaccurate information. I have filed the proper identity theft paper work, at this time my consumer rights are being violated.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, since time ago I have been trying to get bureaus to correct erroneous information reported in my report, however so far I have not received responses. I attach the letter that I myself have made and sent so that yu can see the errors that I highlight to the bureaus and which they have ignored.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, since time ago I have been trying to get bureaus to correct erroneous information reported in my report, however so far I have not received responses. I attach the letter that I myself have made and sent so that yu can see the errors that I highlight to the bureaus and which they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
GoodLeap did not send me an email on XX/XX/XXXX to remind me that the " no interest '' due on Loan of XXXX, account # : XXXX will expire in XX/XX/XXXX. I was sent first Email from XXXX of this account # XXXX date XX/XX/XXXX in the amount of {$240.00}, due XX/XX/XXXX. I spoke to several Several Supervisors, XXXX was one of them who told me that he would waive the interest rate if I pay in full {$15000.00}. Which I did on XX/XX/XXXX. Unfortunately, I got another email on XX/XX/XXXX indicating that I owe {$2700.00} for interest rate not paid from the loan : acct. # XXXX. GoodLeap phone number is : XXXX, address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: PA

Complaint narrative:
My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX. I demand the removal of these incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want these incorrect numbers removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As well as this incorrect name : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates is in non-compliance with the Gramm- Leach-Billey Act your company defined as a financial institution, have never notified me of the INITIAL OR ANNUAL PRIVACY POLICY NOTICE as mandated by the GLBA statutes aforementioned. Furthermore, i have not been afforded the opportunity to opt-out of the sharing personal nonpublic information with third parties, such as any information you get about an individual from a transaction involving your financial product ( XXXX ) or service ( XXXX ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) therefore the privacy rules protects a consumer " nonpublic information ''. your company has failed to meet the obligations under the privacy rules and GLBA by not providing an opt-out notice explaining the individuals right to direct you not to share my NPI with XXXX nonaffiliated third party, also reasonable way to opt out ; and a reasonable amount of time to opt out before you disclose my NPI " nonpublic information '', So why does PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX non-complaint institution, continue to report negatively on my credit profile and put my privacy at risk? THIS IS NOT a request for verification or validation of debt, this is a compliance issue per Sec. XXXX of the GLBA, and until the compliance can be proven and substantiated, i demand that these account permanently be deleted within XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Opened a new credit card account XXXX, XXXX  with Bank of America ( hereafter referred to as BA ) and immediately set up auto-pay. A few months went by using the BA card and noticed a late payment fee and then another. Tried to call the BA many times and couldnt get through to anyone due to new automated phone system. Suddenly received notice from a credit monitoring service of a change of my credit report due to late payments to the BA credit card. I contacted BA online chat to verify auto pay and they said it failed the first time, so we set it up. The chat agent agreed to try to reverse the late charges. Note I still never received any email, text, phone call or USPS mail from BA to warn me of any late payment or that they would hurt my credit reports. After finding out my credit score has been reduced from XXXX to XXXX, I chatted and called BA several more times to request correction. One phone rep in XXXX basically said tough luck and it was my fault because auto pay takes several months to activate. I explained to her I should have been told about that and she insisted it was still all my fault. I asked to speak to a supervisor and she refused, citing the back office said it's all my fault. I ended to call to accept the next phone rep calling me and she seemed happy ; the next rep said he would send letters to the credit reporting agencies to try to fix the issue and send me a copy. The copy I received essentially said BA refuses to correct the problem based on their investigation. 

I am XXXX, honorably served in the military, am now a XXXX veteran and have never experienced anything like this with the dozens of other financial accounts Ive dealt with and have been a BA customer for XXXX years. I have worked hard to be as responsible as possible for many decades to achieve an XXXX XXXX and BA basically screwed me over and damaged an important part of my life, a great credit score.

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 2024-05-08 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: TX

Complaint narrative:
I have close to XXXX XXXX which was my available balance on XXXX XXXX. On that day I made a payment online for the amount of {$1500.00} to my landlord which reduce my available balance to {$250.00}. On monday XX/XX/2024, XXXX XXXX  creditcard payment were autodata which reduce my balance to {$25.00}. I made an emergency cash withdrawal on XXXX XXXX XXXX for {$1000.00} which put my balance for neg - {$970.00}. The next day I made a cash deposit of {$1700.00} XXXX into my account. Then on Wed XXXX XXXX they sent me notice that they charged me an overdraft fee of {$35.00} for the {$1500.00} I made to my landlord. Not only that they charged me {$35.00} for the neg balance withdrawal and additional over draft fee of {$35.00} for each of the XXXX XXXX transaction that went through. I called to complained and they agree to take the {$35.00} charged off The matter that get on my nerve is this is a continuous process I have to go through with Wellsfargo. They kept finding loopholes to charge me money and I have to keep calling repeatedly to fight them and get my money back.

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 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 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 2024-05-08 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: OH

Complaint narrative:
The following names needs to be removed as they are inaccurate and incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX The following " current addresses '' needs to be removed as it is inaccurate andincorrect XXXX XXXX XXXX XXXX XXXX, OH XXXX The following " previous addresses '' needs to be removed as it is inaccurate and incorrectXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MI XXXX The following " employer '' needs to beremoved as it is inaccurate and incorrect XXXX XXXX XXXX XXXX  Date Updated : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I receive a letter that XXXX XXXX XXXX has allowed my data to be compromised, and they offered " Experian 's XXXX XXXX  '' as compensation. ( Sidebar : this is in no way a comparable penalty to XXXX XXXX XXXX for their negligence ). After signing up with XXXX XXXX, I could not access my Experian account. I have had my credit frozen for years and wanted to reconfirm it was frozen. However, I can not access my account or create an account using my social security number and name. The Experian site says my name, social, address etc. are all inaccurate information. I tried to contact them via phone to resolve this issue ( XXXX ) and after XXXX attempts I could not get connected to a representative to discuss whether my account is compromised or whether there is a problem with their website. There is no other contact information. No chat and no email. There is only an address where you can send a letter. Meanwhile, I don't know if my credit is secure with Experian and can not access their site to check. 

This is the bare minimum and they should have many more contact methods including a service line that has real people to help with real problems. I would like to have this issue resolved so I can log in to Experian.

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 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX  - XXXX, XXXX - XXXX and 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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX card was never reported to credit bureas of any degoritory remarks on XXXX, XXXX, XX/XX/XXXX but on the attached proofs XXXX XXXX added a hidden charges and past due amount of {$29.00} from XXXX till XXXX which I never missed any payment. 

When I asked the XXXX  manager over the phone what the {$29.00}, was meant for he could not respond but said it was bank fee and I pointed it out to him that it would have been on all my statements from XX/XX/XXXX till date then I asked him why Is past due fee narration in XXXX, XXXX and XX/XX/XXXX. Because their past due fee is {$40.00} not {$29.00}. He dropped the call on me and later I found out my statements for XXXX till XX/XX/XXXX the deleted the {$29.00} and my balance never reduced but increased. But I have it downloaded in my file before the deleted not to have a trace to my unknown hidden charges. 
This was the hidden charges they were bringing forward every money and they reported degoritory remarks on my credit file. 

On XXXX XX/XX/XXXX I still went ahead and paid {$120.00} minimum payment the mailed to my address but they XXXX XXXX XXXX had refused to create the Statement of which they do balance brought forward of the hidden charges and put the XXXX degoritory remarks. These evidence would help the credit bureaus in their long awated investigation result being I can not file it online on their websites as they are investigating and blocked my access to uploading supporting evidences. XXXX reported to XXXX that my past due was {$72.00} and to transunion as {$2.00} and my credit report mailed to my address by XXXX in XXXX XX/XX/XXXX with confirmation number XXXX .stated my past due was $ XXXX paid above the minimum they credit bureas have on my credit file. 

Capital XXXX bank report to credit bureas does not show my actual payment amount I paid it month it is always blank .their minimum payment are less on credit reports but high on the copy they mail to me

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