vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wellsfargo has violated me by closing out consumer credit transaction accounts which I as the original creditor had established due to alleged late payments. I paid these people and they closed out my account! Ever since they closed out my account it has caused nothing but harm and an enormous amount of stress. They reported negative adverse information to my credit report which has done nothing but put a burden on my life! They mad violated me yo! Every time I spoke to a representative they told me that my account would not be closed due to covid-19 effecting my income however, when I went to login to my account it was closed down and told me i no longer had any products with them. I was speechless yo ( shaking my head ). They also closed out previous bank accounts that i had with them as well without my knowledge. At this point they have totally committed unauthorized use ( 15 USC1602 ) as the cardholder, I was not granted proper documentation nor the full disclosure that I needed in order to correct, if anything, my payments. I was on an open ended credit plan so there should not have been any alleged late payments at all reported due to the finance charge within the contract agreement which if they upheld their practices accordingly they would know is the sum of all charges! This is discrimination without a doubt and fraud ( 15 USC 1691 ). Because of the negative reports Wellsfargo made to the credit bureaus it has been a hassle getting approved for credit cards, bank accounts, automobiles and living headquarters just to name a few. This has been effecting me mentally and physically over the course of time and i'm tired of the abuse and i'm seeking remedy. I never even gave them written permission to report any of my information to any credit reporting agency which is totally identity theft! I don't understand how banks expect to have our confidence as consumers when they brake the law and build mistrust with its consumers. Absolutely crazy 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 non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
Back at the start of XXXX i called because my prepaid card was been declined at various stores in XXXX XXXX, they told me to use it a few times before they cancel the card, I did and not work I made an online phone bill payment, and the payment went thru after that I tried using it again and did'nt work. I called customer service they cancel the card and they were gon na send me a new one by mail. I did received a new card with a different number and my name in the card when I called to installed the card it said I had a balance of XXXX dollars my first balance was of {$500.00} - minus the XXXX of phone bill I still had more than {$320.00}, I called customer service and they said it seemed someone did fraud with my card, which made no sense because they told me they cancel it, and nobody was gon na be able to use it neither myself. They said they were sending a dispute form and it would take 90 days to double check, made no sense because I said that it was cancel that it was their fault. A few days later I received a letter that said that they had check and I didn't have to fill out a dispute that funds were gon na be in the new card. Once again I checked and had XXXX balance, I called the around XX/XX/XXXX and the representative said that funds were in the card that got cancel which also made no sense he said he could transfer funds and that it would take about 7 days to have it in my new card. I called like 10 days after and the representative said funds were gon na be there at the the next day. I called the next day funds were not there and they said that the call was on excavation all ready. I called Saturday again and the manager said the funds were still not there, that the department was close but took no calls anyways. 

I have called various times in XXXX they just put me on hold and never get anything resolved, they don't help me or try to get me somewhere I am tired of having to call and not having my funds and a bunch of lies from the team and management they should have everything in their records and seen where my card and funds are it has been since XXXX so tired of this.

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 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Portfolio Recovery Services has committed numerous violation against me but not limited to 15 USC 1692g, they did not provide with the name and and address of the original creditor and did not provide the information outlined by 1692g within the 5 day timeframe. They have committed Mail fraud pursuant to 18 USC 1341. They have violated 15 USC 1692e ( 7 ) by implying that I conducted myself in a disgraceful manner by not paying a debt and 15 USC 1692e ( 10 ) by claiming that an alleged debt was valid and stating that I owe an alleged debt when I asked for debt verification that they did not provide. They violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting that I owe an alleged debt that I do not owe. 15 USC 1692b. Portfolio Recovery violated 15 USC 1681 ( a ) and 15 USC 1681b ( 2 ) by reporting inaccurate information to credit reporting agencies and doing so without my written instructions. They have also violated my privacy pursuant to 15 USC 6801 ( a ) and numerous other violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have an account on experian called : XXXX XXXX XXXX which is a collection company that is marking on my credit report as a collection, this is affecting my credit score negatively, I have no knowledge of this account, and when i first made a dispute on this account, I believe experian gave that company my address which now they are sending me spam mail to my residence, telling me that i have to pay them. That is not ok, I want this solved as soon as possible. This is only with experian that is happening, with the other 2 credit bureaus which is XXXX and XXXX, that account does not show up on my credit report, now the only way that i see that this can get fixed, is for experian to stop sharing my information with them and for experian to ask them to verify my Social security to see if it matches there records, without disclosing any of my personal information. Thank you and hopefully this gets resolved soon.

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 2021-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX an online transaction of {$500.00} was withdrawn from my savings account. 
I did not notice this transaction nor was I notified by the bank through an email or text message. 

XXXX an online transaction of {$4200.00} was sent to my XXXX XXXX account. I did not notice this transaction nor was I notified by the bank through an email or text message. 

When I noticed the online transactions, I contacted both Wells Fargo and XXXX XXXX XXXX XXXX. All accounts were closed at both banks and new accounts were established due to my complaints. I was notified by XXXX XXXX XXXX XXXX that funds of {$4200.00} was transferred into my XXXX XXXX account. However, XXXX XXXX stated that the funds was returned to Wells Fargo to an account by the name of XXXX XXXX. XXXX XXXX XXXX XXXX requested Wells Fargo return the funds, but received no response from Wells Fargo. I do not know anyone named XXXX XXXX nor did I authorize the two transactions. I submitted the XXXX XXXX XXXX XXXX letter on XXXX, that stated my claim was found valid. On XXXX the letter was re-faxed due the the online fraud claims department stating they had not received the additional information. After the second fax on XXXX, I received a letter with a post mark of XXXX, the letter inside was dated XXXX. I do not think the online fraud claims department gave proper consideration to the additional information submitted on XXXX. On XXXX, I called the online fraud claims department and explained the letter I had received, I was told to call back by XXXX. After several months of appeals, Wells Fargo denied my claim and stated on XXXX, that this matter would have to be settled outside 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 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Submitted a dispute regarding incorrect information on my background check. I received a same-day confirmation that my request was received. Three business days later I was told I needed to submit additional information. I submitted the information the same day. Received no response or acknowledgment from the company. Called six business days later as I didn't receive a response ( was told I'd receive one within 3-5 business day ). I was told I never submitted the information ( despite having written proof ) and I resubmitted the same information on the same day. I receive no response or confirmation so I resubmitted the information again six business days later and again three days after. Called the office again because I didn't receive a response and it was the same nasty lady that I dealt with before. I was explaining to her my situation and how this is affecting me. She didn't care and was VERY rude. After being on the phone for almost an hr she hung up. I called back again and spoke with someone named XXXX who was decent and explained that the XXXX who I dealt with before put in a totally different request that didn't have anything to do with what I requested. Needless to say, Transunion is one of the WORST companies and I hate that they are involved in my life.

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 2021-10-04 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: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
Since 2015, I've had two 3-year leases with GM for two XXXX XXXX XXXX . Never during those 6 years did I miss a lease payment. At the end of the second lease, due to the Covid-19 Pandemic, XXXX had no inventory with which to replace my current vehicle. Because of that supply issue, I was required to extend the 3-year lease for an additional 3 months. At this point, I didn't realized that GM Financial wasn't going to continue to pull my lease payment from my XXXX XXXX checking account - ( via an auto-pay payment I had set up and used for the previous 6 years ). 

GM Financial isn't willing to take any of these unusual circumstances into consideration, replying only that they had placed calls to me etc. At the end of the day, I may have missed those calls, and I will take responsibility for that miss. The issue here however is that after 6 years of on-time payments, my credit is being negatively effected by a missed payment at the end of a lease in which GM literally HAD NO CARS via Covid related supply chain issues. My mistaken assumption that auto-pay was going to continue after I was forced to extend an expired lease is now hurting my credit. 

In a note ( attached ) from GM Financial, concerning the need to extend my lease via this lack of inventory, it notes at the bottom of the letter that I 'may ' have to make manual payments. I incorrectly assumed that given my long standing relationship with GM Financial, they would continue to pull my payments from my auto-pay, and that this wouldn't apply to my situation. I apologized for this miss, and just asked that we could remove the 30-day late given my perfect history with the company.

Thank you! 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
On or around XX/XX/2021 I called SOUTHWEST COLLECTION to discuss my debt and credit reporting. I asked the rep who was in charge of my collection if they would stop reporting negatively to my credit, being that I had set up a payment arrangement with SOUTHWEST COLLECTION, and had already made 2 payments towards that agreed upon arrangement. The rep informed me that he would not remove the collection and that I should pay it in full. I advised him that I did not have the funds to pay in full at the moment. After a bit of back and forth he ultimately refused to remove the negative collection and also threatened to delete my payment arrangement and auto pay and my credit would never be fixed. At the time the next payment should have been deducted from my bank account in XXXX, but the payment was never made. So I assume he made good on his threat and removed my arrangement without my authorization. Now the collection is still on my credit report, and increasing in balance by {$3.00} a month. I feel this companies rep and practices are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: MA

Complaint narrative:
I have been trying to secure a loan with a mortgage company to no avail, because a debt collection keep popping up in my credit report. I need to know the date and duration of this collection. Especially, the real nature of this collection and which company 's sent it in.

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 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: SC

Complaint narrative:
Americollect Inc reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021. I have no idea how Americollect Inc received my personal medical information. I have not agreed to do any business with Americollect Inc, I have not received any goods or services from Americollect Inc, nor am I responsible for their debt collection purchase from their alleged client. Americollect Inc, has flagged my credit before without first proving their account ( s ) belong to me. Each time Americollect Inc failed to validate their debt. Americollect Inc have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. Americollect Inc continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I will upload proof upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I receive a call regarding a friends refund, I proceed to call my friend to verify and my friend response was yes, I continue with the call and the scammers download an app called any desk in which they get into my phone and thru cashapp they started to make transactions with my contacts they didnt succeed and then went to zelle and made a money transfer under my name with a different email address from my chase account, the amount was {$2.00} I tried to stop it but it was too late. I turned off my phone and immediately call chase to report. I did a follow up and XXXX said that they will not refund any money and that I have to wait for zelle to respond. At this point I dont know what to do. Can you help me with this issue? Thanks. 
This is the email which the scammers used XXXX And the phone number they use XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: LEXISNEXIS
State: OH

Complaint narrative:
LexisNexis searched for negative information pertaining to me which is an invasion of my right to privacy. This company did not have permissible purpose or my written consent to search for negative information pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: PA

Complaint narrative:
XXXX  XXXX  is reporting these 3 accounts on my report which i have no clue about ... .. and they are reporting them as a collection account and also 120 days late ... ... they are hitting my account with a double negative ... all 3 are definitely violations... .i have challenged the reporting of these multiple times with all 3 bureaus and XXXX  XXXX as well and all 4 send letters back saying that it is reporting accurately ... ..they are obviously not conducting proper investigations as these are not report 100 % accurately as required by the law that governs them .....

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 2021-10-04 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: PA

Complaint narrative:
XXXX  XXXX  is reporting these 3 accounts on my report which i have no clue about ... .. and they are reporting them as a collection account and also 120 days late ... ... they are hitting my account with a double negative ... all 3 are definitely violations... .i have challenged the reporting of these multiple times with all 3 bureaus and XXXX  XXXX  as well and all 4 send letters back saying that it is reporting accurately ... ..they are obviously not conducting proper investigations as these are not report 100 % accurately as required by the law that governs them .....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This company has reported a collection to my credit reports without contacting me first and secondly they are reporting INCOMPLETE and INACCURATE information that immediately damaged 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 explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I, consumer entered into a consumer credit transaction with Navy Federal Credit Union XXXX XXXX in or around XXXX or XX/XX/2021. I entered this transaction using my open end credit plan. I have been injured by the deceitful, misrepresenting of Navy Federal Credit Union. On XX/XX/2021 I wrote to Navy Federal a validation of debt and cease communication letter, according to the post office the letter was received on XX/XX/2021. Navy Federal continued to communicate with me via email, paper bill ( alleged debt ) and text message to pay on a invalidated alleged debt. I did not receive the 5 required items according to congress when a validation of a alleged debt is requested. On XX/XX/2021 I sent in writing a affidavit of truth, exhibits of individual actions/injuries alone with a invoice for remedy. Navy Federal Credit Union has willfully and knowing violated my rights as a consumer.

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 2021-10-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Theres a credit card from Citibank on my report that does NOT belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation