vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I rented an apartment through XXXX that turned out to be a scam. I did my due diligence as well as I could, but transferred {$3000.00} to the scammer through XXXX on XX/XX/XXXX. When I arrived in XXXX XXXX on XX/XX/XXXX, the apartment was not even owned by the scammer in question. I reported it to the police in XXXX XXXX. I assumed that XXXX had fraud protection, since it was sent through Wells Fargo, my bank, but it didn't. I looked into how to get the money back but since it went through before I knew it was a scam, there is no way to dispute 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 explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was charged {$570.00} from my bank account. It was from one service that I had previously had subscribed to and CANCELLED. The other charges were for a Trial that I CANCELLED as well. Bank of America originally credited back my account. However now they are saying that they are undoing that. I DID NOT AUTHORIZE THESE CHARGES. I CALLED AND CANCELLED THEM. I SHOULD NOT BE CHARGED ANYTHING. THIS IS RIDICULOUS. I WILL NOT BANK WITH THEM ANYMORE.

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 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
In XX/XX/2019 times called my bank TD, asked for the wire instructions to have a wire sent to my account, they gave me the wrong information, a routing number which was not my routing number. It should have been their ABA number with specific information to credit my account. Never showed up, they said, oh well if its wrong we send it back to the sending bank, XXXX XXXX, the person who sent it is my son XXXX XXXX XXXX XXXX. 
XXXX said they never got the money back when they tried to recall it. TD says they dont have it and XXXX doesnt have it. {$8500.00} Because no one will me where the money is. My car was repossessed because I was not able to make the payments. Im out XXXX and my car. Really need this cleared up. TD gave me the wrong information and feel they have the money and wont give it to me. 

Call if needed, XXXX Respectfully, XXXX XXXX XXXX SSN is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
XX/XX/2019-Loan was transferred over to loancare. Called to make sure everything was set and that my winter XX/XX/2019taxes would be paid. They assured me they would be. 

XX/XX/2019- I received delinquency letter that my winter taxes were not paid. I have called & emailed multiple times to get this resolved and its been over a month and its end of XX/XX/XXXX now. I dont know what else to do. I also emailed them a copy of my current summer taxes with updated number and still no response.

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 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, I was on a medical leave of absence from my employer XX/XX/XXXX/XX/XX/2016. In late XX/XX/XXXX i went back to work. In XX/XX/XXXXI was behind on 2 loan payments which I emailed the company about not sending payment in for.processing. but they still came through. Wells fargo is my bank. The 2 transactions were {$9.00} and $ XXXX.instead of the bank paying those they sent back and started charging me {$35.00} fee.  Every week those same 2 transactions try to.come out because I get paid on Friday weekly. Wells fargo continues to send back and charge me XXXX each. Now over {$500.00} in fees. I did manage to get some of it back from when I was.out of work. I dont think this is fair. I asked the bank over a month ago to close my acct via email. Still open and charging me these fees. I again have reached out to the loan company about not submitting they are working to stop it. I had overdraft added to my acct prior to any of this happening and wells Fargo is not.honoring it. I have removed my direct deposit from that bank. I would greatly appriecate it if you could have this stopped. They are going to get my account so high with overdraft fees and close it hurting me financially. Please help me. Im so frustrated.

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 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank offered me a checking account, which I opened with a {$100.00} deposit in XX/XX/2019. After receiving my ATM card, I tested it by depositing {$10.00} cash into an ATM. Thereafter, I received a letter with no explanation from PNC stating that my ATM card was closed. In addition, PNC did not make the {$100.00} nor the {$10.00} available to me. OnXX/XX/2019, PNC Bank 's " claims department '' withdrew my {$110.00} and kept it. 

PNC Bank refuses to discuss the account. PNC Bank violated the terms of the deposit agreement and the Funds Availability Policy. 

I engaged in no action to warrant PNC 's breach of fiduciary duty. 

PNC also appears to have used consumer reporting agencies without disclosing the identity of said agencies in contravention of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Here is email I wrote to XXXX XXXX defining my complaint. 

XXXX XXXX, I am reaching out regarding your companies numerous non-compliant attempts and calls made to my cellular telephone via a automated/predictive dialer. I have requested multiple times that my cell phone XXXX not be called through any non-TCPA COMPLIANT,  automated and/or predictive dialer system. This is not a cease and desist request. Your reps may call me all they want as long as it is a manual type dialing attempt and meets any regulating bodies guidelines. During my communications with your company Ive been harassed ( defined by consumer ), been mislead ( UDAAP ), treated poorly by upper management and shown why 3rd party collection agencies that do the right thing are at a disadvantage due to companies which you head the compliance team. What really amazes me is how your company continues to treat me poorly even knowing my experience in 3rd party collections. Im willing to speak about my situation but not how your company chooses to brand their image. I am looking into legal avenues to make sure youre fined and multiple CFPB COMPLAINTS and all methods to help your company understand the value of being compliant. I hope your company has saved all calls for you to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Here is email I wrote to XXXX XXXX defining my complaint. 

XXXX XXXX, I am reaching out regarding your companies numerous non-compliant attempts and calls made to my cellular telephone via a automated/predictive dialer. I have requested multiple times that my cell phone XXXX not be called through any non-TCPA COMPLIANT, automated and/or predictive dialer system. This is not a cease and desist request. Your reps may call me all they want as long as it is a manual type dialing attempt and meets any regulating bodies guidelines. During my communications with your company Ive been harassed ( defined by consumer ), been mislead ( UDAAP ), treated poorly by upper management and shown why 3rd party collection agencies that do the right thing are at a disadvantage due to companies which you head the compliance team. What really amazes me is how your company continues to treat me poorly even knowing my experience in 3rd party collections. Im willing to speak about my situation but not how your company chooses to brand their image. I am looking into legal avenues to make sure youre fined and multiple CFPB COMPLAINTS and all methods to help your company understand the value of being compliant. I hope your company has saved all calls for you to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: Colony Brands, Inc.
State: PA

Complaint narrative:
XXXX XXXX. Account No. : XXXX XXXX XXXX XXXX XXXX, WI XXXX. Opened : XX/XX/2009 Has my account as reported to XXXX  as a revolving charge account. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by XXXX XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
SYNCB JCP. Account No. : XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Has my account as reported to XXXX as a revolving charge account. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by SYNCB JCP does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : 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 2019-07-23 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
UponpullingmycreditreportsIfoundthatTransfinancialhadplacedtwoaccountsintheamountsof{$940.00}and{$330.00}onmycreditreports.IthendisputedthisinformationwiththecreditbureausasIbelievedtheinformationwasinaccurateandwasnotavalidaccount.Despiteseveralattemptstovalidatetheaccountthecompanydidnotvalidatetheaccount.Ithenhadtofileacomplaintforthemtosendvalidationoftheaccount.UponreceivingthevalidationoftheaccountsInoticedthatthecompanyhadviolatedmyHIPAArights.Ithenagaindisputedtheinformationwhichwentunanswered.IhavefiledapreviouscomplaintonXX/XX/2019towhichthecompanyrespondedonXX/XX/2019thatIwouldbereceivingaresponsein30days.Ihavenotreceivedanyresponsefrom.thecompanyasofyet.ThecompanyisreportinginformationwhichisviolatingmyHIPAArightsandhinderingmyprogressionforbettercredithealth.Iwouldliketheseaccountstoberemovedimmediatelyfromallthreemajorcreditbureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: Nelnet, Inc.
State: GA

Complaint narrative:
NELNET HAS FAILED TO PROVIDE ME WITH THE ORIGINAL INSTRUMENT OF INDEPTEDNESS IN ITS ORIGINAL FORM. IT IS REPORTING TO ALL CREDIT REPORTING AGENCIES FALSELY. I HAVE ASKED NELNET ON SEVERAL OCCASIONS TO PROVIDE THE PROPER DOCUMENTS. HOWEVER THEY FAILED TO DO SO. THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT AND THEY ARE ALSO IN VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. IT IS CLEAR THAT THIS DEBT IS NOT MINE, AND IT HAS PREVENTED ME FROM OBTAINING CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I made payment today of XXXX to get out of the rear. But my school lied to me on how much I would be making with a bachelor 's. Called a nd talked with some representative and she told me I don't qualify for any repayment plans other then just making that payment on my federal loans service by Sallie may or Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: TX

Complaint narrative:
I have been dealing with the Credit Bureaus and I have sent them all documents that they ask for to prove that I had fraud to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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: Action Revenue Recovery, LLC
State: LA

Complaint narrative:
After receiving my credit reports noticed a company named Action Revenue Recovery had placed an account in the amount of {$490.00} on my reports. I've disputed the information asking for validation of the account and I have not received a response from the company. I do not believe this information is correct and I ask that it be removed from my credit reports promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: GA

Complaint narrative:
XXXX HAS FAILED TO PROVIDE ME WITH THE ORIGINAL INSTRUMENT OF INDEPTEDNESS IN ITS ORIGINAL FORM. IT IS REPORTING TO ALL CREDIT REPORTING AGENCIES FALSELY. I HAVE ASKED XXXX ON SEVERAL OCCASIONS TO PROVIDE THE PROPER DOCUMENTS. HOWEVER THEY FAILED TO DO SO. THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT AND THEY ARE ALSO IN VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. IT IS CLEAR THAT THIS DEBT IS NOT MINE, AND IT HAS PREVENTED ME FROM OBTAINING 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 2019-07-23 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: GA

Complaint narrative:
XXXX HAS FAILED TO PROVIDE ME WITH THE ORIGINAL INSTRUMENT OF INDEPTEDNESS IN ITS ORIGINAL FORM. IT IS REPORTING TO ALL CREDIT REPORTING AGENCIES FALSELY. I HAVE ASKED XXXX ON SEVERAL OCCASIONS TO PROVIDE THE PROPER DOCUMENTS. HOWEVER THEY FAILED TO DO SO. THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT AND THEY ARE ALSO IN VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. IT IS CLEAR THAT THIS DEBT IS NOT MINE, AND IT HAS PREVENTED ME FROM OBTAINING CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: TX

Complaint narrative:
I have been dealing with the Credit Bureaus and I have sent them all documents that they ask for to prove that I had fraud to 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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian violated my rights in violation of the CFPA, FCRA, Privacy Act, Freedom Of Information Act, Privacy Act, and other applicable state and federal regulations or laws. Experians violations against came to coerce me for complaining and filing with the CFPB complaints about Experians many Violations against me.

- Experian is not willing to stop its retaliation against me and continues to discriminate against me and it blocks me from accessing my credit report.

- Experian is Trying now to force me to one side benefited arbitration to cause loose my rights including but not limited my right now to sue Experian at anytime without a notice but from a summon to be served most likely soon by a U. S Marshal to The defendant.

-Experian must understand that you can not destroy my credit in retaliation and walk away with your crime without legal punishment and a severe one.

I attached a snapshot from the new restricted to copy agreement of authoritarianism and slavery that Experian wanted badly to force me to enter and I reject it at its entirely and I dispute it.

If the CFPB will not investigate Experians violations and cheating against consumer rights then between us public opinion, media and courts.

All stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any kind and at any time and by my person or legal counsel and without any notice and without waiving my rights.

Thank you, The complainant

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