vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
CAP ONE NA pulled my credit in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without my permission or knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Data Systems
State: FL

Complaint narrative:
Collection account says Financial Data Systems amount owed {$77.00} opened XXXX. Account does not belong to me, I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX my Wife and I walked into a XXXX  XXXX store and my Wife made a purchase for a couch set that they wouldn't not deliver to us and didn't not keep in stock at the store location. We drove away from the store and decided we could not wait a week for new couches. My Wife called the store to cancel the purchase, since we had not received any products from this store, we thought this would be simple. The store refused to cancel the purchase and our bank refused to reclaim the money. Both parties said we had XXXX XXXX back to the store and present the card we used to make the purchase. Problem, we live over XXXX miles from the store. The store said it would cost {$300.00} to deliver a couch to our location, but the store won't pay XXXX {$300.00} to make that same trip to cancel the purchase. We have received no products from this store, and they are keeping $ XXXX of our money for refusing XXXX XXXX over XXXX miles to come back. There are no laws requiring us to force XXXX XXXX and return to the store for a refund. We have no products from this store, and we want our money back! XXXX. You can't keep money that's not yours! And I'm not driving that distance to come back to a store that I now hate. I simply don't have to. Give the money back, or I lawyer up. Last chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PR

Complaint narrative:
Jefferson Capital XXXX company is trying to collect a debt from me that I did not sign or make the loan with them. This loan was made with XXXX XXXX and by law it is illegal to sell a debt to a company without my authorization. 
XXXX is the letter whith the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was on my lunch break from work. I received a call from Wells Fargo saying they were the fraud dept and I had an abnormal charge from XXXX ca for XXXX. They told me to check online on my online mobile banking app to see if it was me. I told them it wasnt and I said thank you so much for catching that. They told me they were making a report to the XXXX police dept so I can get reimbursed for the XXXX. They told me to verify my old PIN number and Email address to get the funds back in order. They told me not to go on the online app because it will cause an issue getting the money back. I thought that sounded fishy. So I went on the app anyway. Realizing they took every cent out of my account, checking and savings. I was furious. I asked them why my savings was transferred and they said it was part of the process. I knew i was being scammed so I just hung up the phone. XXXX my eyes out I left work and went at right down to the Wells Fargo here in XXXX California. I was crying to the tellers explaining what happened. They told me dont worry you will get your money back, this happens all the time. They gave my the phone number to the fraud dept. which was the EXACT same number who called me. I was so mad, I didnt know who to trust and I was so confused. I called them and made report. 11 days later the report was finished and they said it was not considered fraud. Now I cant afford my rent. I have nothing. I banked with Wells Fargo since XXXX, and they treat me like this. Im a hard worker, I work 6 days a week and XXXX different jobs and they think I would take money from myself. In what good does that benefit for me? They took my savings XXXX dollars and around XXXX out of my checkings. Please see attached photos form phone numbers to transactions. Thank you.

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After receiving a solicitation for a CapitalOne Venture card I applied and was sent an Adverse Action letter advising me they couldn't approve of my application because : " Based on your credit report from one or more of the agencies on the back of this letter, credit bureau information is missing or unavailable. '' The back of the letter reports that the source is XXXX and that my XXXX XXXX range is a " low of XXXX to a high of XXXX '' and that " Amount owed on revolving accounts is too high ; length of time accounts have been established. '' This is simply not true and CapitalOne has refused to provide what information on the report has caused the adverse action. Here are the facts : XXXX score : XXXX ; Payment History 100 % ; Credit Card Use 5 % ; Derogatory Remarks XXXX ; Credit age XXXX Years ( oldest, XXXX years ( average ; Total Accounts XXXX ; Hard Inquires XXXX ( two of which are the result of the CapitalOne application ). 
In addition I do not carry a balance on my cards ( unless there is a 0 % offer ) and I have a Satisfactory mark on ALL my accounts. It is impossible to discuss this with XXXX ( since I don't know what to dispute_ as my credit report provides no indication of the remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a car loan with Wells Fargo Dealer Services and I wanted to see if I was eligible fr any reparations due to the XXXX dollar lawsuit that they were charging loan participants fraudulently.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
FIRST, In XXXX of XXXX Wells Fargo sold my private college loans account to a third party ( 'XXXX XXXXXXXX XXXX ). It was until XX/XX/XXXX where I got an email from XXXX XXXX XXXX notifying me that I had loans past due which I was then penalized with a fee. 

There is a total of 4 loans in the account that were affected, loan details below : - Loan 1 : XXXX- Original disbursed amount : {$4800.00} on XX/XX/XXXX, Current day payoff amount : {$6400.00} on XX/XX/XXXX at a 13.49 % Variable rate ( which it was equal or less than 10 % when the loan was at Wells Fargo ). 

- Loan 2 : XXXX - Original disbursed amount : {$6000.00} on XX/XX/XXXX, Current day payoff amount : {$8100.00} on XX/XX/XXXX at a 13.49 % Variable rate ( which it was equal or less than 10 % when the loan was at Wells Fargo ). 

- Loan 3 : XXXX - Original disbursed amount : {$7000.00} on XX/XX/XXXX, Current day payoff amount : {$280.00} on XX/XX/XXXX at a 13.74 % Variable rate ( which it was equal or less than 10 % when the loan was at Wells Fargo ). 

- Loan 4 : XXXX - Original disbursed amount : {$7800.00} on XX/XX/XXXX, Current day payoff amount : {$8500.00} on XX/XX/XXXX at a 12.140 % Variable rate ( which it was equal or less than 10 % when the loan was at Wells Fargo ). 

THEN, On XX/XX/XXXX my only debit account with Wells Fargo was suddenly closed WITHOUT previous announcement. As I was checking my balance on XX/XX/XXXX I realized that instead of having {$17000.00} I had {$0.00} all my money was wiped away from my only debit account, where I get my paycheck and where lenders extract money. After visiting a Wells Fargo Branch in XXXX Texas and not being helped and waiting on the phone line for 3-5 hours I was told that Wells Fargo was in the process of sending a check with all my money to an old address. I tried contacting the old address without success. I have been 8 days without my money until today and it is unacceptable.

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 2023-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My home mortgage is financed through Wells Fargo. In XXXX, XXXX, and XXXX, Wells Fargo attempted to foreclose on my home because I was struggling to pay after employment loss. Wells Fargo added astronomical amounts, fees, cost, and loan payments to my mortgage and raised by mortgage payment significantly from just over {$1200.00} a month to now nearly XXXX. I have requested numerous times to be given proof as to why so much more cost and fees were added to my loan along with the missed mortgage payments to the back end during a supposed modification, driving up my monthly mortgage cost but I have not received anything. I believe my mortgage payment is higher than what it should be because of fraudulent added fees and cost, making it more difficult for me to keep up with my payments and save my home. I am a veteran and used my VA loan to purchase this home.

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 2023-02-01 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: CA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX : ending in XXXXXXXX XXXX XXXX  : ending in XXXX XXXX XXXX : ending in XXXX XXXX XXXX  : ending in XXXXXXXX XXXX XXXX XXXX XXXX : ending in XXXX XXXX XXXX XXXX : ending in XXXXXXXX XXXX XXXX  : ending in XXXXXXXX XXXX XXXX XXXX : ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am paying more than the minimum each month yet it is not being applied to principal. I had the document withheld and wasnt able to register it in a timely manner. I also received my title sent to me and knew that wasn't right and made sure they received it since they owned the loan. I have been nothing but cooperative. I am suspecting i have been over charged and my interest rate is way too high.

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 2023-02-01 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX So I've been with discover card for years and years never had a problem paying my bills XXXX  hit loss family members lost income my bills felt behind i was struggling i became very afraid to even pick up my phone because the calls was coming XXXX another with threats so i finally was able to get a friend to try and help me out some of my debt we called discover i was talking with a lady she told me my account had been charge-off and i need to pay it before its closed and than I would be brought to court no call recorded no XXXX  XXXX nothing SO I WAS VERY SCARED my friend came on line to help make a payment of {$XXXX} and i set up future installments later that night i called back ask since i was a long time customer can i get my account back activated i was told that the special department was closed to try again tomorrow i did and was told they will not how can you be XXXX  and treated like this by credit card companies this is not fair nor is it right and you have XXXX hardship in your life they close your account without any further consideration this is so unfair for consumers PHONE Number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In 2018, Bank of America ( aka Bofa ) took more than {$6200.00} from my checking account via their " Bill Pay '' service, but did not pay the bill... .for furniture. The furniture company had a man call and threaten to ruin my credit if I didn't pay. So, I went to the local branch on XXXX XXXX in XXXX XXXX, FL and the then president transferred the payment to XXXXXXXX XXXX  and paid for the furniture. He was unable to reach the Bill Pay dept of Bofa at that time. 
In 2018, I received a credit/debit card that may have had the money on it, but I didn't comprehend that and neither did the Bofa employee who told me to destroy the card. I did. After explaining this to Bofa, I was told a check would be sent. I received a statement showing a " fraud adj check '' was sent. There was no fraud, but the person at Bofa told me they didn't know another way to describe this. To make matters worse Bofa has totally fraudulent stuff on XXXX thus greatly damaging my credit score. It went from excellent to terrible. I have 0 Bofa accounts since early 2018. All credit cards were paid in full. I paid again to have the bad report removed from XXXX etc... The bank showed I owed them {$130.00} ... but told me I had to pay {$550.00} ... I did. The fraud report is still on XXXX etc and I still did not get my money back. I was turned down for a home equity loan by my bank XXXX because of the false reports on XXXX. To contemplate matters more Bofa has sent a fraudulent statement pretending I charged {$6200.00} and paid it back... thus stealing my money. At no time have I ever charged that amount on any card. This is fraud grand theft by Bank of America.

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 2023-02-01 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: WI

Complaint narrative:
I have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

Also, as a part of this complaint, I would like to include that between XX/XX/2022 and XX/XX/2022 credit reporting agency Equifax has been constantly removing and re-inserting an account from XXXX XXXX on and off my consumer report. In my previous complaint of the company response from Equifax, it clearly states XXXX XXXX has been deleted from this credit file. 

Per fcra guidelines, the consumer reporting agencies must notify me within 5 days of any reinsertion. 

Equifax, I never received any written or notification statement from you all advising me that you are re-inserting this account which means you have violated my rights and I am demanding that you remove it off my credit report now because you all did not follow proper guidelines. Also, I need for you all to provide me with every piece of information on how you came up to this assumption that this account should be reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NY

Complaint narrative:
Hello- I had a bank account with Wells Fargo XXXX XXXX - XXXX. I see they just settled a lawsuit and I could be owed some money. How can I go 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 explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The below company placed a hard inquiry on my credit report for a credit card that I did not apply for. I have no accounts/ have never had any accounts with this company. 


COMENITYBANKXXXX Address XXXX XXXX XXXX XXXX, OH XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01 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: NC

Complaint narrative:
I am a victim of identity fraud. I have been requesting Equifax to remove the fraudulent accounts from my consumer report due to the transactions not belonging to me. Equifax has responded stating that the accounts are verified however they have not sent the proof of the fraudulent accounts being verified. I have not received any documents with my signature on them or any validity of contracts. I have not attempted to obtain any form of credit in several years so I should not have any inquires reflecting on my consumer report. I have submitted police reports, showing that my personal information was stolen in 2015. I have submitted my social security card and ID to show that I am who I claim to be. I have called serval times and spoken to Equifax along with written communication and they have failed to remove the inquires and fraudulent accounts. At this point I am being victimized my Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo would take money for fees and overdrafts.

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