vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
I have attempted over the years to establish a relationship with AMEX but they claim I have " cancelled previous accounts with them '' that I can't open a card but I've attempted numerous times to correct the issue and no one will listen to me. I am a victim of Identity Theft and recently I finally filled and affidavit they sent me only to be rejected again for the same reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
After reviewing my current XXXX credit report I've notice that Portfolio recovery and associates still remains on my credit report. As a result, ive written a full dispute statement to the three major credit reporting agencies. 

Portfolio recovery and associates is in violation of federal law. Section 809b Violations are as follows ; unable to fully validate debt the company claims I owe. 

Violation, unable to provide license to collect a debt in my state of florida Violation, unable to provide details on what the debt they claim I owe is for, no copies of original documents has been provided only billing statements of which under the law billing statement are not valid proof of debt owed. 

Violation unable to calculate total balance owed as required by federal law Violation unable to provide bond number of which maybe required to collect a debt in my residency state of Florida. 

Violation trying to collect the debt that is over statue of limitation in my resident state of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
I have attempted to send my affidavits I have been a victim of ID Theft for many years. Currently I am being collected on a credit card from Wells Fargo I never opened. Today I come to find out I can't open a checking account because my identity was used as well to open one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The relevant disputed transactions are below. I checked my Wells Fargo account multiple times a day over the XXXX XXXX weekend to see if check XXXX in the amount of {$1800.00} had been deposited. As of the morning of XX/XX/XXXX, there was no indication that the bank had received the check. 

On XX/XX/XXXX, I arranged for a wire transfer of funds to my account which arrived same day, at approximately XXXX XXXX My account at that point had well over {$3000.00} in funds available, and no mention of check XXXX. 

Later the same day XX/XX/XXXX, AFTER the {$3000.00} in funds had arrived in my account, I received a NSF notice from Wells Fargo that they had declined check XXXX four days previously on XX/XX/XXXX. You can clearly see the order that the transactions occurred on the statement, that I was charged a NSF fee after the funds had already arrived. 

I find it unconscionable that I can check my Wells Fargo account, have plenty of money available, and then have Wells backdate transactions to get NSF fees. I also think it's ridiculous that Wells charges a {$15.00} wire transfer incoming fee. I suppose somewhere in the fine print it is mentioned, but if I receive incoming funds from  XXXX, there is no charge. There is no reason for this fee other than a XXXX cash grab. 

Because the check was declined, it ended up costing me over {$200.00} in other fees to my landlord, but I am not requesting that back. 

I am requesting only to be reimbursed for the {$35.00} NSF fee and wire incoming fee of {$15.00}. I will commit to never using wire incoming again. I do feel that I did everything right, checking the online portal multiple times daily to make sure I kept a positive balance. How am I supposed to avoid fees if I am not given timely information? The Wells Fargo customer service representative  suggested I keep a checkbook, but it's not XXXX any more, back before there was an online electronic portal. 

Please reimburse me {$50.00}. Thank you. 


Expand XX/XX/XXXX WIRE TRANS SVC CHARGE - SEQUENCE : XXXX SRF # XXXX TRN # XXXX RFB # {$15.00} Expand XX/XX/XXXX WT FED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SRF XXXX XXXX TRN # XXXX RFB # {$3000.00} Expand XX/XX/XXXX NSF RETURN ITEM FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$1800.00} CHECK # XXXX {$35.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello, This is a follow-up to the previous complaint as I have asked the lender multiple times to address the breakdown of line item charges as they do not seem to be accurate and the property has been sold already yet this lender is still working on a response for these line item charges listed on the Payoff statement. This just does not make sense as the Customer Service is incompetent and can not tell where these numbers were derived from which are obvious overages for fees/charges in spite of the fact that I have requested this information numerous times in the past still no resolution to it.. 

This lender has ignored requests to reply in time and has basically gotten free money from the Payoff of the loan. 

Does CFPB even do anything as the lender can just make up numbers when it comes time to Payoff as unfortunately, the house sale did not need to be delayed yet this lender has bogus charges on the Payoff statement that Escrow will not question? 

There needs to be some type of investigation as I do not believe these line item charges to be accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: PA

Complaint narrative:
These XXXX  have hung up on me several times, got into verbal disputes from provoking me and they canceled 2 of my debit cards from 2 checking accounts unauthorized and without my consent. I did not request this at all. I have called them several times on XX/XX/20 and XX/XX/20 to rectify this and once again I have been bounced around, talked down to, disrespected etc. They are refusing to unlock two debit cards from my 2 personal Checking Accounts and so I got XXXX off and requested to cancel personal checking acct ending in XXXX. Also there is a business savings acct that I requested to be canceled a week ago which still hasn't been done. This one is a Business market Rate Savings. I am going to keep personal checkings acct ending in XXXX open as well as business accts ending in XXXX and XXXX. They are refusing to close personal checkings ending in XXXX which I don't understand. I transferred XXXX dollars and change so now theres a XXXX balance in XXXX. They people have also implemented a new rule, without consulting with customers that instead of debit transactions, you now have to maintain a {$500.00} balance in each account open or have {$500.00} in direct deposit to avoid monthly fee which is a direct violation on banking law rights as well as civil and legal, in addition unethical. Wells Fargo has a poor history with XXXX Americans and continue to disrespect and violate their rights. I now have no debit card for acct ending in XXXX and they refuse to issue me another which is illegal. I called several times between XX/XX/20 and XX/XX/20 and still no resolve and spoke to several higher ups and managers. The best that was done is setting me up with an in person visit to bank on Friday XX/XX/20 at XXXX XXXX  with no promise that a new debit card ( s ) will be issued to me! 


Issue Me another debit card to replace the one they illegally cancelled on XX/XX/20 with my consent or authorization, cancel the two accounts I requested, leaving on the 2 Business accts and personal checking 's ending in XXXX Open. also, I would like to join a class action lawsuit against them for their horrible and unethical practices. I will sue for as much money as the law allows. I also got a call from a Wells Fargo rep twice which sounded like a scam call on XX/XX/20 saying that my cards would be cancelled and I said ma'am, I  don't know who you are, but do not cancel any of my cards which she went ahead and did anyway speaking of Misuse and I'm like, Misuse of what and she wouldn't answer any of my questions and I had to keep repeating myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NEW CITY FUNDING CORP.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts does no belong to me and Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This is about wells fargo cpi refund and the tales wells fargo has tryed to get me to listen to. The one yesterday almost caught me off guard. I thought the guy was trying to be funny yesterday. He said that 13 years ago and counting I called wells fargo bank and told them to come get my car. I give up there trying every lie in the book and they wont let me have arbitration as they know there ripping me off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: CA

Complaint narrative:
These accounts does no belong to me and Ive been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts does no belong to me and Ive been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Through each Credit Bureau i had submitted a dispute for a Closed account that continues to be reported as accurate but it is not accurate due to the fact that account should not be reported anymore. Car loan with XXXX XXXX was opened in XX/XX/XXXX paid off and closed in XX/XX/XXXX. There were delinquencies on this account and it does not reflect the date of first delinquency and are re-aging the account with the date last reported. In which now reflects date last reported XXXX in the Equifax Report and i never received notice of the results of dispute. I have even taken upon myself the duty of calling the XXXX XXXX XXXX in Puerto Rico were i had the loan and opened a claim to verify why the loan is still being reported on credit report, the bank auto loan customer service agent while filing the claim did confirm that the loan does not come up in their system and when it does not reflect it does not have anything to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Capstone Credit and Collections settled a debt for {$1000.00}. Along with other debt collection payments done the same week the result was the removal of the collection from XXXX ; however Capstone Credit and Collection out of XXXX Florida and has not removed their name from my credit report after the debt was paid in full. They also refused to email a receipt of payment. They were called to dispute the matter of the removing the collection, and Capstone said if an addition {$1400.00} is paid to them they will removed it from the credit report. XXXX has put in a dispute for a fully paid account and further believes this is an unfair business practice. According to XXXX they have to keep reporting the collection as long as Capstone sends in an update ; however they see no reason why Capstone would charge an additional fee to remove it from the credit report. 
Capstone Credit and Collection agents both man and woman were very rude, aggressive, threatening, and demeaning ; even going as far as to yell and hang the phone up before the conversation was finished. The XXXX XXXX XXXX had said Capstone Credit out of XXXX Florida has over 38 complaints filed and has not responded to any.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
A few months ago I noticed a collections account from XX/XX/XXXX. I investigated the account and it was from an emergency visit that was sent over to my insurance and they even paid it. To my knowledge the balance was taken care of and it even reflects in the paperwork they sent me. I requested validation for the debt and I was sent information showing where my insurance had paid and they somehow ended up on my credit file. I have always had the best XX/XX/XXXX from my job and have never had to pay for emergency service out of pocket. I was never sent any paperwork or information for this account EVER, THEY JUST PUT ME IN DEFAULT, the address isn't even correct on their records. On top of that, this company has violated my HIPAA Rights by sending me my own medical services rendered and Dr. information WITHOUT SIGNED HIPAA RELEASE FORM. I have ran a complaint with the CFPB with no avail, please supervise the deletion of this inaccurate, invalidated, attack on my character, and ability to borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive been a victim of identity theft, these accounts do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: IL

Complaint narrative:
Ive been a victim of identity theft, these accounts do not belong 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 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive been a victim of identity theft, these accounts do not belong 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 2020-09-24 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: GA

Complaint narrative:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I had two accounts with resurgent capital, they are now paid, resurgent states that when the accounts are paid off, all trademarks will be removed, my two accounts XXXX  and XXXX  XXXX XXXX  are listed as derogatory condition, I have contacted resurgent and they state that there is no such account. This is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: GA

Complaint narrative:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX

Company response to consumer: Closed with explanation