vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Three fraudulent super checks were written on my Wells Fargo credit card account. I never use those checks and usually throw out any offers I receive. Some how someone internally from Wells Fargo or externally looking through mail or trash, used three separate super checks to max out my credit card. I had not used the account in nearly a year it had no balance. I only use one credit card, from XXXX, but have several I dont use. My credit score was over 780. I have tried to report this fraud for over a week and nothing has been done. They say they need to do a 45 day investigation. They are going to ruin my credit score and I dont even know what the fraud is. Where the checks were used. No one has any answers or any reassurance I will not be made responsible for this fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
This is the SECOND time that I am sending this letter. I sent the original letter on XX/XX/2022. ( see below ) Since the original letter, I have been a victim of IDENTITY FRAUD from this company. An account was made in my name with this company 's name attached to it. It was an additional account ( a mortgage account ) that I had no idea of. I was told because of this error, that as a courtesy, any accounts from this company shall be removed from my credit report. Either way it is still reporting. So you can either remove it without further incident or you can adhere to the bottom portion of this letter. I will also be filing this letter as a complaint to the CFPB and if I do not have this company removed from my credit report within the next 14 days, I will be forced to file a complaint with the FTC. 
Original letter that I have yet to get a response to that was sent last year : I am sending this certified letter because I have noticed that there is a charge off or a debt in collections on my credit report from your company ( Acct numbers XXXX ), however, I have never received a Schedule C form for that specific charge off. By law that can be considered taxable income per IRS literature and I can be penalized for not reporting it. I am requesting this form so that I can have all legal documentation in my records if I need to provide it to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: AE

Complaint narrative:
A debt from the department of the treasury was placed on my credit reports when I noticed it I sent in a dispute to the debt. I have attached the 1st debt letter I sent and never got a response back. I have challenged this debt numerous times and haven't received a response. Not only have I challenged the debt but in XX/XX/XXXX and XXXX of 2021 they kept calling me at odd hours. They also kept sending me mail with symbols that I didn't recognize from a third party collector by email and mail. I have email and hardcopy traffic of this correspondence if needed. It says that the highest amount of the debt was around XXXX but they are trying to charge me around XXXX for the debt with ridiculous extra charges. I feel like my consumer rights are being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I keep asking this company to verify this debt and provide accurate information on how this information was gathered to prove that it is my debt that is owed, but this company has yet to respond to the letters that I have sent them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used an ATM at a XX/XX/11 and the card was declined. However, after checking my account the transaction had cleared. I called the bank, and the agent said she could see the transaction was declined and it should be reimbursed to me by the end of the next business day. That didnt happen. I called again, and filed a claim. The claim was immediately shown as resolved but only the service fee of {$3.00} was returned to me and the {$300.00} that I had tried to withdraw from the ATM was still not given to me. I called again and the next agent said there was nothing she could do. This transaction was on the first of this month, and Ive gotten the runaround and given different information every time I call my bank about it.

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 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XXXX XXXXXXXX XXXX has been harassing me on several occasions over the past year to try and collect debts. They purchase debts from mainly Synchrony bank but there are others and then attempt to get the money from the consumer in a sterner formatted letter and if you dont respond accordingly, they have a law firm they work with ( XXXX XXXX XXXX ) that then garnish your wages in which they did to me on one occasion in the last six months and made other attempts but didnt succeed. They first came to me about 6-8 months ago and attempted to garnish my wages and hadnt even sent me anything AT ALL! When my HR person contacted me telling me they received a legal letter to garnish my wages abs I freaked out because I didnt know what it was. I about fell out of my chair, both in sick and embarrassment. This was a new job and I am management! When I reached out to them and threatened them to stop because they hadnt even informed me, they retracted immediately. However, about three weeks later i got something in the mail and my company received another formal letter to garnish my wages in which they had to. From then on it got worse and NONE of the attorneys would speak to me or take my calls and the only people that do are customer service and theyre completely rude and sarcastic and dont care that your whole world is being turned upside down. They claim you need to speak to an attorney and yet you never get through to one.I became so frustrated and told them I paid these balance ( s ) or that they werent even mine but it didnt matter at that point. When I reached out to the credit card company they dont even know who XXXX XXXX XXXXXXXX is and many arent sure how its getting to this connection agency. The one debt from XXXX, the person felt terrible but couldnt help me at that point because it has been sold to XXXX XXXX. I tried explaining this wasnt even my debt it was listed under my ex husbands name but it just didnt matter at that point. They then had the law firm garnish my wages at over 40 %! Im a single Mom and have XXXX  daughters that are XXXX and they take daily medications. I ended up paying it and it cost nearly {$1000.00} more with the fees from their firm. Totaling like nearly {$3000.00}. And the original debt was {$1600.00}. Now, theyre coming at me again for a ANOTHER DEBT that is from XXXX, over six years. A SAMS club Mastercard in the amount of {$3800.00} and I honestly cant take it!! They will be threatening my new job AGAIN by garnishing my wages and I wont be able to pay my bills and live when they do that! They have to STOP! Its killing me and my family! PLEASE SOMEONE HELP!!

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 2022-02-15 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: OH

Complaint narrative:
I took it upon my self to follow the FDCPA laws and FCRA laws by sending all incorrect and damaging report to all the creditors and collections agency a Validation letter. None of the only 2 account complied with and sent a letter to remove the accounts of my credit report. I created a packet to all 3 major credit report bureaus showing evidence of all letter send and dates ( which I waited the complied 30 days gap ) advising them to remove and all accounts listed in the letters sent to all creditors and collection agencies. it has been more than 45 days and non have been removed. I also confirmed that all 3 mayor credit bureau have received the packets sent by me. I have tried to exercise my rights has its stated in the FDCPA and FCRA and non of which have complied with not even a letter or a call to fix my credit.

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 2022-02-15 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: OH

Complaint narrative:
I took it upon my self to follow the FDCPA laws and FCRA laws by sending all incorrect and damaging report to all the creditors and collections agency a Validation letter. None of the only 2 account complied with and sent a letter to remove the accounts of my credit report. I created a packet to all 3 major credit report bureaus showing evidence of all letter send and dates ( which I waited the complied 30 days gap ) advising them to remove and all accounts listed in the letters sent to all creditors and collection agencies. it has been more than 45 days and non have been removed. I also confirmed that all 3 mayor credit bureau have received the packets sent by me. I have tried to exercise my rights has its stated in the FDCPA and FCRA and non of which have complied with not even a letter or a call to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: NY

Complaint narrative:
TD BANK, fraudulently opened a checking account in my name. They sent me a letter notifiying me that the could not access my personal history because my credit was frozen. The next day I receive a XXXX XXXX card in my name with instructions on how to activate it. I looked at my XXXX XXXX company and there was an alert stating someone opened an account in my name. I filed a case with the XXXX XXXX XXXX Case # XXXX. I am awaiting a call back from them. I tried to call TD bank, but no one answers the phone at XXXX XXXX XXXX. I am not filing a fraud report with the XXXX XXXX Sheriffs office located in XXXX, NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2022, a background investigation company called XXXX initiated an employment screening on me and completed a SSN Trace. The result of that report provided Information which included Alias Names taken from Transunion 's Credit History Log or History File List. It also included Counties associated with my SSN. There were gross inaccuracies in the data provided to XXXX. Transunion provided that information as if it was true and correct. It appears they merged people 's names that were similar to mine in this report. XXXX confirmed that they received the information from Transunion XXXX XXXX or XXXX XXXX. I contacted Transunion 7 times attempting to correct this inaccurate information. Transunion is reporting 9 variations of my name from their credit log file that is inaccurate. They are also reporting several counties and dates of residency which are also inaccurate. Transunion has refused to delete, correct or update this information. Because this information does not appear directly on my credit report, I do not have the ability to dispute it. This information is being sent directly from Transunion 's files that they share with pre-employment or rental screening companies. This is the second time Transunion has provided a background screening company this same inaccurate information. They also provided this information to 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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I have contacted LexisNexis via their email at consumer.documents@LexisNexis.com and provided them with authentication documents including my driver 's license, social security card, and a recent utility bill for my current address. I have attached them here as well. 

I am needing them to update my business phone number for my business called XXXX XXXX XXXX XXXX. The correct and current phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. 
Company name : Military Star account was with zero balance last updated on XX/XX/XXXX. 
Company name : XXXX XXXX XXXX account balance is {$570.00}, last updated on XX/XX/XXXX. 
Company name : XXXX XXXX with an account balance of {$1400.00}, last updated on XX/XX/XXXX. 
I disputed these items for lack of accuracy added to my account, and it negatively impacted my 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 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
My CARES Act forbearance began XX/XX/XXXX, I have requested extensions every XXXX days as the CARES Act provides. My loan was transferred XX/XX/XXXX to SN Servicing and the terms and conditions of my loan were not supposed to change. SN Servicing refuses to acknowledge that I am in a CARE Act forbearance. Despite my request for extension past my XX/XX/XXXX expiration, the refuse to grant or acknowledge it. My original loan was Government backed by XXXX XXXX and XXXX XXXX but they are telling me that my loan is no longer government back and Im not eligible for the CARES Act. They are not threatening foreclosure and accessing late fees to my mortgage. I have provided documentation of my CARE Act XXXX and have disputed the debt collection they began on XX/XX/XXXX with the XXXX demand letter for repayment of my entire mortgage. I have communicated with SN Servicing attorney XXXX XXXX and SN Servicing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They STILL refuse to acknowledge that Im in a CARES Act Forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 30 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express card statement shows only the minimum amount payment on the payment stub. Nowhere on the stub does the full amount appear. This can cause clients to pay less than the full amount and incur interest accrued till the next billing period. This is not a practice of other credit card companies and appears to be an intensional or unintentional act that serves American Express and can financially mislead their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: WA

Complaint narrative:
On XX/XX/XXXX, I received an alert from Experian about a new hard inquiry in my report from a company called XXXX XXXX. I have never dealt with that company nor heard of it before. I called XXXX XXXX and was not able to talk to any representatives, their phone lines seem to disconnect after several minutes of waiting. On the same day, I also called Experian and was transferred 3 times to different teams that handle disputes without actually getting help from any.

This is the 3rd hard inquiry that someone else has attempted on my report in the past 12 months and that I report to Experian without any action from their part. On XX/XX/XXXX I used the CFPB website to report 2 other hard inquiries that I did not initiate but that appeared on my report as well -- those inquiries still show in my report today. Experian has still not taken action to remove them. 

In addition to the inquiries, there is a phone number that does not belong to me ( " ( XXXX ) XXXX '' ), and a name that is not mine ( " XXXX XXXX '' ). 

I kindly ask that Experian removes the following hard inquiries and incorrect personal information : - XXXX XXXX on XX/XX/XXXX - Bank XXXX XXXX on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - Phone number : ( XXXX ) XXXX - Name : " 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 2022-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MD

Complaint narrative:
As a result of a divorce granted by the state of Maryland on XXXX XX/XX/XXXX, my ex-husband was to assume the mortgage and I was to be removed from the deed as per the divorce decree. I was removed from the deed on XXXX XX/XX/XXXX. The release of liability form from the ex-spouse was sent to XXXX, XXXX on XXXX XX/XX/XXXX, but I had not heard from them. The release of liability was sent again on XXXX XX/XX/XXXX as no contact had been made. It was not until I demanded contact from a XXXX employee in XXXX that I was made aware that the VA also has a procedure. I completed with the VA in XXXX. The ex-husband used his VA loan to apply for the house, and the VA released me from liability on XXXX XX/XX/XXXX. I forwarded this release paperwork to XXXX, XXXX on XXXX XX/XX/XXXX. I emailed one of the employees to request a status update on XXXX XX/XX/XXXX, and a request for an update from customer service was made. On XXXX XX/XX/XXXX, I followed up with the employee again, and I received a phone call. I was informed that they had not received the release of liability paperwork. This is inaccurate because it was sent in XXXX and again in XXXX. On XXXX XX/XX/XXXX, I was informed that other information was missing. I once again sent the dissolution of marriage agreement, the release from the VA, and the release of liability to XXXX on XXXX XX/XX/XXXX. The next correspondence was from an employee on XXXX XX/XX/XXXX that informed me my documents have been sent to the operation department, and I have heard nothing back since despite calling and emailing.

Company response to consumer: Closed with explanation