vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I WAS PART OF HIRING SCAM WITH XXXX XXXX IN XX/XX/2022. A WIRE WAS MADE FROM MY OWN WELLSFARGO ACCOUNT IN TWO PAYMENTS EQUALING XXXX. THIS XXXX WAS MOVED FROM WELLS FARGO TO THE NEGHBORING OREGON XXXX XXXX XXXX WHICH WAS TOLD BY THE SCAMMER THAT IT WAS A SUB BUSINESS ACCOUNT OF THEIRS. THE FRAUD WAS DETECTED AFTER THE FIRST WEEKEND OF HAVING PULLED AND COMPLETED THE WIRE TRANSFERS. THAT MONDAY, AN ACCOUNT NOTICE WAS PLACED AND A NEW ACCOUNT WAS OPENED. BY PHONE, WELLS FARGO WAS NOTIFIED OF THE FRAUD. A MONTH LATER ON XX/XX/2022, A PAYMENT REQUEST FOR XXXX WAS MADE FROM OREGON BANK SHOWED AS PROCESSING IN MY NEWLY CREATED BANK ACCOUNT. WELLS FARGO WAS NOTIFIED TO NOT ACCEPT THE CHARGE AND SO THEY PLACED A NOTE SHOWING THE CHARGES WERE UNAUTHORIZED. THE CHARGE WENT THROUGH, I HAVE BEEN FIGHTING VIA CLAIMS AND APPEALS WITH WELLS FARGO EVER SINCE TO REFUND MY ACCOUNT THE XXXX FROM THE XXXX THAT DRAINED MY ACCOUNT AND PUT ME INTO THE NEGATIVES.MY CREDIT CARD ACCT WAS ALSO CLOSED BECAUSE IT SAYS I ACTED IN BAD FAITH.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I received a text message from a number claiming to be chase bank fraud line. It asked me if Id spend a certain amount of money yes or no when I answered no I received a call from a number that showed up on my phone as Chase.the person on the line told me that my bank account had been fraudulently accessed and that I needed to proceed with changing my account number and my passwords.This ended up being a fraud that I fell for. I went to the branch closest to me immediately, they directed me to the fraud line. I spoke with them and made a claim within half hour of the fraudulent act. They start a claim to recover my money and that was on XXXX XXXX. I received an email this morning to XX/XX/2023 directing me to call the fraud line I called the fraud line and they informed me that there was nothing they could do to recover my funds and directed me to speak to the federal trade commission. I believed chase would help me recover my funds but they just seemed to pass me off to the government for help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
Glasser & Glasser out of XXXXXXXX, VA claims to have served me papers that I have not received. They sent them to the wrong address. Furthermore, it is impossible to reach them by phone to update my information and there is no response from them even though I have left messages and sent emails. I did receive an email response that requested I call but when you call the recording says there is high call volume and to leave a message. Endless loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: LJ Ross Associates
State: AK

Complaint narrative:
My credit is being negatively impacted by this reporting that I do not recognize. I was notified few years ago my XXXX for an unpaid electricity bill. The account belonged to my ex-wife and the problem was resolved long ago. It appears that she never took care of it and the company is harmfully harassing me. 

I called the collection company and informed them that this information is wrong and harmful. They never cared about what I said and the report is damaging my credit. I work too hard to be harmed this way. 

This information needs to be completely removed and my credit repaid immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo foreclosed on my property in XXXX without even notifying me when they were taking over my property back in XXXX from my original mortgager who was XXXX  XXXX I believe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendgo, Inc.
State: TX

Complaint narrative:
Mortgage in my name XXXX car loan a credit card opened in XX/XX/2023 I have not opened a credit card or any loan I. The past XXXX  years any thing open now is fraud not me

Company response to consumer: Untimely response
Consumer complaint received 2023-02-08 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: AZ

Complaint narrative:
My XXXX XXXX ( XXXX ) shows 4 inaccurate at fault claims from my auto insurance over several years. This has put me in a high risk insurance catagory and has inflated my insurance costs. I have called my previous Auto insurance provider XXXX XXXX and the have sent me letters with the correct information stating No fault for these dates. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When Ever I try to shop for Auto insurance they refuse to quote me stating I have to many accidents or I am un insurable with there company. I had a auto insurance company send me an e-mail showing what sows up on the XXXX report. The information in false and has ruined my ability to get normal auto insurance. I have called 5 times and have had no answer. I have requested report and dispute paperwork.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the far Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A.. States I have the right to privacy..

15 U.S.C 1681 section 604 Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; No consumer reporting agency may take any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a living being, I have rights and Experian violated my rights numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give Experian written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - # XXXXXXXX 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 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
My wife and I had a car loan through XXXX XXXX XXXX XXXXXXXX XXXX XXXX, the loan was sold to Truist Bank. Truist bank gave us little to no notice that the loan was sold and we were set up on auto pay with XXXX XXXX XXXX XXXXXXXX XXXX XXXX. They did email my wife which went to her spam, and called her and they left a message while we were on vacation. As soon as we noticed the money had not been coming out we squared up the balance with Truist bank. We also asked them how to clear our credit history of any missed payments, due to the fact that we felt were not at fault. We were told to reach out to the credit burrows individually and dispute the record. This did not help. What can we can we do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: TX

Complaint narrative:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: TX

Complaint narrative:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: AZ

Complaint narrative:
Had lots of issues with my account and overdrafts and fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had 2 fraud transactions by the same company on Banana Repub CC in XXXX and reported to Barclay bank in XX/XX/2022. Only charges on the card were fraud at the time and I did not have to pay until the investigation was done. I received a letter in XXXX from Barclay saying the investigation was completed, fraud was confirmed and I didn't owe anything. Later, I received a bill and I was charged late fee and interest fee. Every month sometimes twice a month I had to call Barclay fraud dept, wait on hold verify my identity and still start over again unitl XXXX when I had broken down as they repeated the same thing, Barclay Fraud dept had to re-investigate the same charges. Same charges were re-marked re-investigated for months. Over time the late fees and interest fees grew and I was reported to the credit bureau. I had told them that I had several of those similar conversations with the fraud department and that they said they would later resolve with credit bureau once the fraud was confirmed. Finally after me crying on the phone for someone to help, I received a call from Barclay and the person resolved the ongoing issue. At this time, I am shown as 6 months delinquent payment with more amount owed than fraud charges. Finally, the balance of the account is XXXX and removed all the fees associated with it .Now, I asked Barclay to help me with credit bureau and they are asking me to mail them all this information and they will look into it. I had filed dispute throuh XXXX and they send me a letter saying they had repported deliquent payment accurately. Its beyond my understanding that they confirmed fraud charges, they removed after traumatizing me mentally and now they want me to send them more documents What do i need to provide, they are responsible for messing up my credit score as they weren't efficient enough to take care of things soon enough and are asking a letter with details and paper proof. They have all the proof they need. Please help, as this has caused mental trauma to me and them still asking me to go through similar process. I have lost my faith in them trying to do anything to help. I had been Banana repub customers for years..I would like my credit score to be updated to what it should have been in XXXX. I need your help please. I have documents supporting what I told here. I had filed official complaint with Barclay complaint dept in XX/XX/XXXX and no action has been taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: LA

Complaint narrative:
XXXX bank XXXX XXXX Incorrectly reporting to my credit accounts My identity was stolen in XXXX. I filed a report with the police in XXXX XXXX, GA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: AL

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, I was pulling my daughters credit report to make sure that it was ok because her car was giving her problems and we were looking to purchase another one. Upon pulling her credit, I found that there was a car on her credit report that was not hers. I reached out to the person who cosigned for the car and let her know what was going on. She stated that she would get it taken care of. Once I got ready to reach out to her again, I could not get in contact with her. I made a police report in XXXX to document everything that was going on in attempts to get it resolved.. I then pulled my daughters credit report again this year ( XXXX ) and the car was still there.. I reached out to the cosigner again and she gave me issues. Reached out to the police department and they stated there was nothing to be done because it didn't seem to be a criminal act. The car lot failed to do the necessary verification to make sure that the person they were running the credit for was the person buying the car.. The individual who got the car in my daughters name has the same dob, similar name and social.. I have yet to get this issue resolved and having to put more money into a car instead of being able to buy her a car. The dealership that this happened at is XXXX XXXX in XXXX, Alabama. And the finance company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
And inquiry from XXXX XXXX XXXX on Equifax credit report. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AR

Complaint narrative:
I have submitted all required documentation for public service loan forgiveness ( PSLF ) as of XXXX. Mohela received my loans from XXXX before I was able to receive forgiveness. They required a re-submission of paperwork which I sent on XX/XX/XXXX. I was told it would take up to 90 business days to process. 

It was processed yesterday and they are saying the form is a " duplicate '' and needs to be re-processed, taking another 60-90 business days. They admit over the phone this was their error but that " there is nothing they can do. '' Looking through the XXXX forum on XXXX, there are dozens of customers who have had this " duplicate '' error and all are being told it will take another 90 business days. This will cause many people to have to start paying on their loans again even though they should have already been forgiven. 

I have tried to call several times and am put on hold to transfer to a supervisor, only to be disconnected. They say they will call back but never do. I am reaching out to you because I believe this delay is intentional to keep these loans on their books as long as possible.

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 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently pulled my free credit report and I noticed unauthorized inquiries on my report which led me to investigate further into these inquiries, someone has applied for 13 accounts. I have contacted the attached list of Creditors and informed them of this unauthorized use of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently pulled my free credit report and I noticed unauthorized inquiries on my report which led me to investigate further into these inquiries, someone has applied for 13 accounts. I have contacted the attached list of Creditors and informed them of this unauthorized use of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My finance coach instructed me to file a complaint for the Wells Fargo settlement ( defrauding its customers from XXXX ) They ( Wells Fargo ) did not notify me about this class action settlement and I have been a customer of theirs since 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