vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The XXXX XXXX XXXX XXXX located in XXXX XXXX, is a Foreign Government Mission, the XXXX contracted services with Clover XXXX and the First Data XXXX 

This company Clover XXXX, has been charging the monthly fee since XX/XX/2022 into a wrong account, we have been in touch with our First Data representative, and they just rolling us from department to department. 

It has been already more than 6 months requesting to our account to be fix, and until now they don't respond to our inquiries anymore and we haven't been able to reach any customer presentative with the credentials to fix this situation, this has been escalated to our First Data representatives and until todays no one has done much to help. 

The Clover  Customer service is unreachable and when finally, we get someone over the phone they just keep rolling over departments. 

Our Service address is XXXX XXXX XXXX, XXXX XXXX CA 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 2023-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
Hello, I do remember applying online with Checkintocash and I do have email communication. However, I do not remember if I ever received the funds or whether I have paid or not. This was in XX/XX/2017 - over 6 years ago. I received a voicemail threatening legal action and to contact my job and county. They also said they would be finding my address and workplace in the voicemail. I then called the number because I was confused and they refused to confirm the debt with me. I asked for written verification and they said no. They were past that point. I told them I would like it validated. They said its been sold 2 times and that they wanted to give me a courtesy call before taking a LIEN out on me and unless I agreed to pay, they would not send written verification. They said they would only validate in writing if I verbally agreed to settle. This is so unnerving. Statute of limitations is 5 years. This was over 6 years ago and I feel threatened. Not only did they leave a voicemail with the threat but over the phone they discussed garnishment and liens. I have no idea who this company is. The number or company name who called me on behalf of checks into cash could not be validated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank did not put properly stop payment and I was charged wrongfully

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
My name is XXXX XXXX, I reported an identity theft last year, I did challenged that and it was dismissed, not until one of the 2 identity dismissed sue me to new jersey small claims court after I have contacted there collection agency presler and felt warshaw, XXXX, nj that that was not my account nor transaction, I told him it was identity theft and the next week, last XXXX, they mail an invoice and the transaction of the credit card activities with my info but a different address which I don't live.upon receiving the invoice the address was where my ex girlfriend used to live and I came to the conclusion she was the one who stole my identity, use my info unknowing to me and get 2 credit cards, and both address of the recipients of the card is on XXXX XXXX XXXX and when the card was received she wasn't living in New Jersey then which means someone in New Jersey mail the card to her in North Carolina where she live, and I am looking at suing comnity capital Bank for allowing a third party use my info to get a credit card without my consent. And I will need help on another transaction because the same ex girlfriend while she was in New Jersey, she moved to the address which she used to redirect the credit cards she use my info to get and she need to buy furniture and she said she was expecting some money from an accident lawsuits that she wants me to use my credit card to buy the furniture and she will make the installment payment and I bought the furniture for her with my cards and she starts to make payments as promised and within that period was when as hearless as she was stole my info and got other credit cards, she relocated out of new Jersey to North Carolina in 2019 and she stopped making payments until I received a mail from a collection agency presler felt and warshawXXXX XXXX XXXX XXXX and I told them I owns the card but it was used to buy furniture for my ex and she has been making monthly payments with her debit cards so I don't know nothing about her transaction and we were on conference call together me my ex and the collection agency and lied she has been paying and they ask her to call and mail all her payments to them which she did but she never call and lied to me she called until I was sued by the collection agency to new jersey Supreme Court and to avert any problem, I made a payments of of XXXX for the money she owes, all the proof of the payments is with presler felt and watshaw, and I would want the government to help me.get back my hard earn money.when I call to challenge her she blocked me.this is her name, XXXX XXXX XXXX she lives at XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX and her phone number is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Spoke to XXXX XXXX from Well Fargo her number is XXXX. This is still unresolved. Wells Fargo is not taking accountability for losing our documents after providing us with a return label for shipment. Luckily we had copies of all the documents and provided it to them in reference to the case. If it wasn't for our copies provided to them they would have no record of our documents being returned with personal information. We were never told our paperwork wasn't received. Our point of contact continue to push back the deadline because of the state our country was in with Covid. After not hearing from Wells Fargo, we reached out to see the status of our loan modification. That's when we were told they never received our paperwork. We are basically being called liars and being told we created the return label ourselves. They created the return label and had the tracking number and were able to trace it to a XXXX XXXX in California. If they didn't provide the label then how did they track it?! Then conveniently they sold our mortgage.

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 2023-02-09 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: FL

Complaint narrative:
I write to demand that XXXX XXXX  investigate and respond to every complaint that I may make to the CFPB as filing false, misleading, inaccurate responses especially those to close XXXX XXXX investigations through concealment us a very serious matter much worse than willful FCRA violations. I complained to the CFPB that XXXX XXXX  was in willful violation of the FCRA by refusing to promptly report my 2 accounts as closed. Subsequently, based on newly discovered data about XXXX XXXX  reporting my 2 accounts as OPEN to Equifax on XX/XX/2023, I filed another good faith complaint with the CFPB due to remedy the Facially False Data from continuing to appear. To avoid responding to my new complaint with pertinent information, XXXX XXXX  summarily closed my second complaint XXXX XXXX to avoid response, to conceal the facts or avoid investigation. On XX/XX/2023, XXXX XXXX  mailed me the attached letter stating that it reported my accounts as closed. However, that is false as it reported my accounts to Equifax as XXXX on XX/XX/2023. The truth matters!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I write to demand that XXXX XXXX  investigate and respond to every complaint that I may make to the CFPB as filing false, misleading, inaccurate responses especially those to close XXXX XXXX investigations through concealment us a very serious matter much worse than willful FCRA violations. I complained to the CFPB that XXXX XXXX  was in willful violation of the FCRA by refusing to promptly report my 2 accounts as closed. Subsequently, based on newly discovered data about XXXX XXXX reporting my 2 accounts as OPEN to XXXX on XX/XX/2023, I filed another good faith complaint with the CFPB due to remedy the Facially False Data from continuing to appear. To avoid responding to my new complaint with pertinent information, XXXX XXXX summarily closed my second complaint XXXX XXXX to avoid response, to conceal the facts or avoid investigation. On XX/XX/2023, XXXX XXXX  mailed me the attached letter stating that it reported my accounts as closed. However, that is false as it reported my accounts to XXXX as XXXX on XX/XX/2023. The truth matters!!!

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
InQuire that I didnt know about and collections thats not mines

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 2023-02-09 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX 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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am aware of the Wells Fargo lawsuit and have had two separate accounts since 2010. I wanted to check in and see if any money is due back 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 2023-02-09 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I got denied a checking account because of my chex systems credit score... etc. 

XXXX XXXX XXXX denied my application for a checking account Because of my chex systems 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 explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have been through multiple unfortunate financial scams. I am paying the heavy price for being a nave individual. total amount is in an excess of 6 figure scams. 
My bank, fraud department did investigate my transactions and deemed me a high risk consumer, may account was closed abruptly, even after being with white like a snow financial records for the last 26 years with same bank. Unfortunately, none of what i was promised was carried on, i was informed, my debt card will function for a month, my account will continue to pay bills as long as there is positive balance, until i transition onto a different bank, none of that occurred. 
I do understand, I made poor judgment on these transactions, as was elated due to the idea I am starting a new business and I am in need to fund the business. 
Unfortunately, everything i touched turned to be a scam even they are unrelated to each other, i. e sell a time share to fund my " new business '' etc etc. I don't know where my bank responsibilities of thees scams ends, as i did wire money to multiple separate domestic banks.

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 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.

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 2023-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX Formerly XXXX ). I am currently living in a XXXX XXXX & trying to get into a XXXX XXXX XXXX as my battle with the XXXX virus is causing me such discomfort. I caught XXXX in XXXX of 2021, and that complicated the virus even worse. To into transitioning housing from the hospital. I must have decent credit. Im asking for your mercy on me to help removed the old negative account so that I may transition with my 3 small children and be with them as my end of life. May you please removed the negative accounts that I paid off. They are affecting my entrance into housing.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX ( Formerly XXXX ). I am currently living in a XXXXXXXX XXXX, & trying to get into a XXXX XXXX home as my battle with the XXXX virus is causing me such discomfort. I caught XXXX, and that complicated the virus even worse. To into transitioning housing from the hospital. I must have decent credit. Im asking for your mercy on me to help removed the old negative late payments on my credit history, so that I may transition with my 3 small children and be with them as my end of life. May you please removed the negative accounts that I paid off. I am asking for grace and mercy to please remove the late payment. They are affecting my entrance into housing. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Received email from TD Bank XX/XX/XXXX regarding a new opened Checking Account and a new Debit card being shipped, contacted TD Bank XX/XX/XXXX to report Fraud, TD Bank closed account and directed me to the Fraud Dept in which the opened account was closed as Debit card terminated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 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: NV

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: FL

Complaint narrative:
My name is XXXX XXXX ( Formerly XXXX ). I am currently living in a XXXX XXXX, & trying to get into a XXXX XXXX XXXX as my battle with the XXXX virus is causing me such discomfort. I caught XXXX, and that complicated the virus even worse. To into transitioning housing from the hospital. I must have decent credit. Im asking for your mercy on me to help removed the old negative late payments on my credit history, so that I may transition with my XXXX small children and be with them as my end of life. May you please removed the negative accounts that I paid off. I am asking for grace and mercy to please remove the late payment. They are affecting my entrance into housing. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchase in XXXX all the way til XXXX Will always been charge differently Always did false advertising

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