vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was just made aware Discover Bank closed two of my checking accounts, I was told was due to an overdraft fee in one, that I was unaware of, as well as not informed. I was not informed ( I did not receive an email, mail, a message through there Secure Message Center or a phone call ) of my accounts closure as well as why my account was overdrawn. I was unable to resolve the matter after being on the phone for an hour and 40 minutes speaking to several supervisors. I still have not received any documentation of this matter. One checking account had over {$100.00}, I was told by, the supervisors, that there was an overdraft balance in another account. The bank used the account with money to resolve the balance. I was not aware of a balance and I did not overdraft my account. I was told my account was previously closed and the supervisor XXXX told me that they do not have records of sending me notice through email or their secure message center.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On Friday, XX/XX/2021 approximately XXXX XXXX  I, XXXX XXXX received a phone call from a number from Wells Fargo Bank. The individual introduced himself as a Wells Fargo Employee and proceeded to explain that my account had received some suspicious activity. After verifying my account by asking me personal questions and sending me text messages to my phone he was able wire transfer {$5000.00} dollars to another account. I immediately hung up & called Wells Fargo to report the activity but was ultimately denied by Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau regarding inaccurate & unknown items on my credit report. Until this day ( 42 days ) later, I have not gotten any reply from the credit bureau regarding my dispute. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been 42 days so they should be deleted promptly. I demand that these items be deleted immediately or i will file litigation due to stress, frustration & denial of credit due to these inaccurate items on my credit report. My personal information was also impacted by the XXXX  data breach and may have gotten 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 explanation
Consumer complaint received 2021-10-09 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
Via cfpb complaint response from EOS CCA on XX/XX/21, EOS CCA stated the following, " The account has since been closed, collection activity has ceased and our office will not contact you further. EOS CCA has already notified the credit bureaus to delete the above reference account from their records. '' There was a " NOTICE TO COLLECTION PLACEMENT '' dated XX/XX/21 mailed to a po box .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file if the information is outdated/ incorrect under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$1500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$800.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$400.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to accurate information from all three credit bureaus and I am aware that I have items missing from some bureaus that are, in fact, on others. Please send me proof proof of my debts from all bureaus or remove this account from my credit report for inaccuracy. I request that all future correspondence be done through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: OH

Complaint narrative:
Either Wells Fargo or some other private individual has opened a fake checking or savings account in my name. The only reason I came to know about it was when a PIN for a debit card was mailed to my address. 

I do not have the account number for this fake account opened or the debit card. I do have a closed mortgage account. When I log in with the credentials for this closed mortgage account, I can see in the bank communications portal that a debit card was mailed to my old address where I resided in XXXX and prior ( debit card was mailed in XX/XX/XXXX ). Then another message says another debit card was mailed to my current residence in XX/XX/XXXX. That wasnt received either. Only a PIN mailer was received. 

Upon calling Wells Fargo customer service, the phone banking system prompts multiple times to enter an account number ( which I do not have ) and doesnt let one to speak to a customer service representative. Then after a long delay I was able to get to a customer service person. That person refused to help me and gave me an XXXX number to call to handle this complaint. Upon calling that number, I spoke with the representative and explained the situation to her. She put me on hold for a long time and never came back. After about 15 minutes or so, I hung up. No attempts were made by Wells Fargo to call me back. 

At this point I do not know how to resolve this issue after multiple failed attempts to bring this issue to the bank 's attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I disputed XXXX, XXXX account on my consumer report via Experian as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX as the original creditor. According to CongresXXXX, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted Experian and on XX/XX/2021 I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted XXXX, XXXX via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, XXXX, XXXX is still being furnished on my consumer report via Experian. I, XXXX XXXX XXXX, never gave XXXX, XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
At the beginning of XXXX, I questioned why my payments were being held instead of being applied to my mortgage. Ive also asked several times why I can not see the balance of my escrow account. I was promised follow-up, but no one ever reaches out to me. The customer service rep also could not tell me the amount. Why is this being hidden when it determines my payment each year?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I disputed XXXX, XXXX account on my consumer report via XXXX as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX XXXX and XXXX XXXX  as the original creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted XXXX and on XX/XX/2021 I contacted Transunion and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted XXXX, XXXX via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, XXXX, XXXX is still being furnished on my consumer report via Transunion, XXXX and XXXX. I, XXXX XXXX XXXX, never gave XXXX, XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have refinanced my student loans with Citizens bank and they paid off my other loans. The payout went out on XX/XX/2021 but they never fully paid off my loans. 3 of the 4 loans were paid but they have not paid off the 4th loan yet. They claim the problem is with paperwork but yet after many calls between both loan agencies the issue has not been resolved. I have been told that they are experiencing issues with that loan provider who they did not ever pay off. I am now paying the full amount of the refinance as well as having to pay the 4th loan provider as well out of my own pocket every month. They wre double dipping and refusing to act upon it and cancel that one loan out of my refinance and give me a new monthly payment. So I am not paying the loan they never paid twice. They are ignoring my email and phone calls and are providing no help whatsoever. It has now been almost 6 months and nothing has changed. They are practicing fraudulent activity and refusing to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am Attaching several documents for proof I was scammed by a fake/ fraud/ illegal online company that stole {$390.00} out of my Edd account. Your dispute resolution team In XXXX arizona failed to look at the documents in full. 
I am demanding my dispute be reopened and resolved in my favor. Im even attaching document proof that XXXX is NOT a real company. I contacted the address of the office building where this company is located and the building manager said there is no such company named XXXX here. You owe me my {$390.00} back for dispute number 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 2021-10-09 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Td auto finance on XX/XX/2020 has a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I was charged XXXX a month for XXXX XXXX Subscription on my ALL rewards credit card for a year & a half. When I realized these {$9.00} kept appearing each month, I called Comenity. They filed a claim with their fraud dept & said they would stop any further charges from XXXX. Charges continued to appear each month. I canceled credit card & they issued a replacement. Charges continued on new credit card. I was charged a late fee when I refused to pay statement. Comenity then informed me their fraud dept had ruled since I paid the XXXX each month I in fact was saying these charges were legitimate. I contacted XXXX ( letter attached ) & after several weeks of investigating, they located the account that the unauthorized charges stem from. XXXX said since I did not sign up for this subscription & I do not recognize the account, they said to go back to Comenity & file for a chargeback. I did this. Comenity said they did two separate fraud investigations on this ( obviously not checking with XXXX ) & they are standing by their original decision. The total amount of the refund I feel I am owed is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I have been trying to get 2nd pay off information from my mortgage company ( Fay Servicing LLC ). I am verify by the automated system then by the representative, then I ask for a pay off and I am told I can not get one because I am in bankruptcy and the request has to come from my lawyer. I advise them that on XX/XX/XXXX my lawyer fax Fay Servicing an authorization letter, I was told they did not receive that letter so I email a copy of the letter the lawyer sent to me. The representative advise me the account number was missing I contacted the lawyer and on XX/XX/XXXX a revise letter was fax with the account number information added. XX/XX/XXXX I call to get that payoff and I was told the request have to come from the lawyer. I again advise them two letters were fax to Fay Servicing and I was told the zip code is incorrect and the account number is missing. I contacted the lawyer and was told all that information is on the 2nd letter and they don't know what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: CA

Complaint narrative:
I tried to cancel my Albert account and was tricked into signing up for an {$88.00} " XXXX  '' subscription. I reached out to the company as instructed through its help function and have received no assistance despite calling, texting and emailing them. I do not want to pay for a subscription, want the {$20.00} I had transferred into the account returned to me and want the account closed immediately. This company is completely deceptive and perpetrating fraud on consumers.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Jpmcb has an inquiry from XX/XX/20 that I fraudulent!

Company response to consumer: Closed with non-monetary relief