vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2022 I accepted an offer from fifth third for a balance transfer to the XXXX card with a XXXX percent interest for XXXX months, due to a processing error fifth third is now refusing to honor the rate. 
In early XX/XX/2022 I had an issue with my autopay where it paid the balance on my fifth third twice, deducting the statement balance that I had already paid. This took a long time to resolve due to the unresponsiveness of the branch XXXX at that time, I subsequently stopped the auto pay on the XXXX card because of potential errors and slow response from fifth third. I paid off the balances prior to the transfers so there would be no interest or payment required for the remaining promotional period. 

On XX/XX/2022 I received a notice from fifth third for insufficient funds, stating an auto payment of the full balance on my XXXX card can not be processed because it would overdraw my account for over XXXX to pay a balance that wasnt due for another XXXX months. I immediately contacted fifth third and was told the payment would be stopped. the payment ended up showing as processed then reversed even though there were nowhere near enough funds in my checking account to cover the payment. 

After waiting over a week with no response and contacting fifth third again I was told by fifth third because the payment is perceived by their system as balance paid and new credit issued, they started to charge me interest on the balance transfer and theres no way to remedy the error and refused to honor the XXXX percent rate. 

It's absolutely ridiculous to consider the return credit as new credit issued, I received email communication which i have can forward to you on request form fifth third clearly stating the payment was not made. So how can the act of correcting an error be considered a payoff of existing balance and new credit taken out if there were no funds available complete the payment in the first place?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My XXXX  handled all of our bill paying up until XXXX XXXX XXXX  XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My XXXX  always got the mail, I never even had the XXXX XXXX XXXX XXXX XXXX  Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My credit report says these companies I also have debt with despite me not taking out cards or loans with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received notification regarding a pending settlement for Wells Fargo customers who had accounts from XXXX. I was a customer there during this time. 

This is the portal/link I was asked to submit my inquiry to regarding my affiliation with the bank during this time period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: MRS BPO, LLC
State: TN

Complaint narrative:
I have paid a collection off in XX/XX/XXXX. The closed account reported a collections on XXXX of XXXX. I am trying to get this removed from my account. Please help me with this. I have reported this to XXXX XXXX and they said they did not report this, only the credit reporting agencies can change this. I reported this to XXXX XXXX XXXX XXXX, and all XXXX said it met their reporting standards even after I have called each reporting company twice to get this account removed or updated. I have filed a complaint with cfpb and this account has NOT been verified or updated. The account is XXXX XXXX. See attached documents. I would like this account removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: GA

Complaint narrative:
Fraudulent account on my credit report. XXXX XXXX XXXX account that is inaccurate and does not belong to me. I added the phone number that the account belongs to XXXX however my number is XXXX. I need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: GA

Complaint narrative:
Fraudulent account on my credit report. XXXX XXXX Bank account that is inaccurate and does not belong to me. I added the phone number that the account belongs to XXXX however my number is XXXX. I need this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: PA

Complaint narrative:
I have an account on my credit report that does not belong to me. this account is identity theft. the account was opened on XX/XX/2022 for the amount of {$2300.00}.

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 non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I've been with Wells Fargo since XXXX  every since I started with him I've had issues they overcharged me for everything and the fees are outrageous or something needs to be done about this 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 explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was completed and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. 
The consumer reporting agencies which is XXXX, Experian, XXXX, did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still have not received anything back from each burea.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Being charged over draft fee due to bank error ... wells fargo bank deposited funds in my account on there error. 3 months later a withdrawel transaction was conducted without authorization or proper notification causing over draft fees. Also had issues with bank in the past with other over draft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: LA

Complaint narrative:
I am just received this stating that this is my debt. This is not my debt. I have never in my life had XXXX XXXX XXXX. I have been with XXXX for XXXX  years for my phone, cable, and home internet. I have never had or signed up for XXXX. This is a result of identity theft or mistake identity. This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I feel my payments to wells fargo for my auto loan was not applied properly and caused me more in fees and interest rates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In 2010 I was involved in a period for loan modification with Wells Fargo. 
I paid payments each month during the process, to the amount of approximately {$10000.00}. 
Initially denied loan after many months. 
Upon complaint was finally refinanced and got new contract adding all money missed back into contract with no mention of {$10000.00}. Ever being applied to balance. 
I am a part of the claim on Wells Fargo Settlement process. 
I have all of the paperwork, letters, correspondence from that time. 
Please contact the settlement claim for me. 
Or tell me how to proceed. My account was sent to XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter out on XX/XX/XXXX to XXXX, TransUnion, and XXXX. Here is my tracking number. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i-Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information is contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date Opened-XXXXXXXX XXXX XXXX Account type : XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Date Opened-XXXX  XXXXXXXX XXXX  Account type-Collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: TX

Complaint narrative:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my tracking number. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i-Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information is contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date Opened-XXXX XXXX XXXX Account type : XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Date Opened-XXXX  XXXXXXXX XXXX Account type-Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In year XXXX every month I went to bank I was always having many overdraft or not enough money insufficient fund charges kept taking my direct deposit I just let them close account with negative balance stop my social security check going to bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Related to Compliant ID - XXXX - Citicard open a closed and opened a dispute with the vendor without authorization. I don't think they can be trusted to handle my money if they can't do simple thing correctly. 

Clearly citi card is still very very confused. 
They closed XXXX for XXXX with the vendor *This dispute should of never been closed vendor has not completed the work until XX/XX/2023 *Not a single phone call was ever made to notify me of closure They opened XXXX for {$8900.00} with the same vendor *This dispute should of never been opened, I never authorized this, the disputed charge was for the {$8000.00} *How do they authorize a dispute on my behalf, i believe that is Illage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. Please refer to the attached documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX HOARDERS Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Please refer to the attached documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report

Company response to consumer: Closed with explanation