vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 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:
This letter is regarding account # XXXX, which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank closed my account without giving me any reason. When I stop by the branch, I was told that I was trying to cash invalid checks which turned out to be legit checks from my employer. Citibank still closed my account and now bank is not releasing my fund immediately. I called multiple times and I was told to wait 60-90 day to access my fund. Currently all my fund is stuck in the account and I am in dire need of cash immediately. Every-time I call, I was told same answer to wait 90 days. I called at least 5 times and stopped by branch twice without any resolution. Account closed on XX/XX/2022. 

Citibank sent check for portion of the amount which was in my account when they closed it without any reason. I am still missing USD XXXX. 

I stopped by branch at least 6 times but no solution.

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 2023-01-21 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: MD

Complaint narrative:
I had many issues with Wells Fargo while a member. They charged high fees which came out of my account. My information was also compromised during my tenure there. A few years after I closed the account, I started getting calls and many of them from payday loan people insisting I had a payday loan that was supposedly being paid by my WF checking account, which it was not. I still get the calls periodically.

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 2023-01-21 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:
The status is incorrect for the following accounts an these accounts are not mine. 
XXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX XXXX. Balance : - XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Identification number XXXX Date filed XX/XX/ Status XXXX XXXX  bankruptcy discharged

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 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: SC

Complaint narrative:
I sent the company a certified letter on XX/XX/ to Hunter Warfield XXXX XXXX, located at XXXX XXXX XXXX XXXX in XXXX FL. The tracking number for the certified letter is XXXX XXXX XXXX XXXX XXXX. 

It was to indicate that the {$2200.00} debt that they say I owe does not belong to me. I did not sign a contract or any form of agreement with this company. 

To date, I have not received a response from them, and the debt remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This letter is regarding account # XXXX, which you claim I owe {$230.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a loan from Wells Fargo in 2011 with prepaid gap coverage and wasnt given any money back once the loan was paid off early, I also had a checking and saving account with them during that time and should be entitled to refunds due to fraudulent over draft 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 2023-01-21 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:
Back in 2011 Had my lawyer case of $ XXXX And had it for 4 months I traveled to XXXX When coming to the United States again Until checked and only {$600.00} Was left in my account I did not make any large purchases And bank withdrew my money I went to bank and did not get any help Or any information on my account

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 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I put my home on XXXX home modification I was paying the mortgage then all of the sudden they foreclosed on my home and sold. This was around 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 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2022 I saw an unauthorized XXXX purchase on my bill. I contacted the bank, which said the buyer 's name was my wife 's and the delivery address was my home, but the person who signed for the package was someone we didn't even know. First of all, I didn't know that online store and I have never bought anything from this website! Second, my family and I have absolutely no experience buying a XXXX XXXX, and the online store is in XXXX XXXX XXXX, while we live in XXXX XXXX, California. We don't know why my wife 's information and my credit card number were stolen. But the bank won't dispute a purchase I didn't authorize. I felt ridiculous. I couldn't agree with the bill because I had never made the transaction. I didn't make this purchase.We never received the XXXX package, and it wasn't signed for by me or my family. So I think the bank will have to dispute the deal for 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 2023-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Saw this online and thought would apply. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, at the time the loan was taken out my address was XXXX XXXX XXXX XXXX XXXX XXXX My address now is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX mY phone number now is XXXX XXXX XXXXXXXX it has been years so I don't have any other information against Wells Fargo. Who I am applying for. We also had a mortgage with them i THINK. It just has been so long, I don't remember all of the details. I hope you can help me with this. 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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MD

Complaint narrative:
Emails sent XX/XX/XXXX from me and XX/XX/XXXX from XXXX XXXX ( see below ) to Lexus Nexus, as well as attempting to submit dispute via Lexus Nexus ' website to no avail. XX/XX/XXXX received letter from Lexus Nexus, case # XXXX, stating " no disputes found ''. Email sent from XXXX  : ( Loss dispute request Inbox XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to XXXX, me Dear LexisNexis Consumer Center : We would like to dispute information on the XXXX XXXX ( Auto or Personal Property ) Report. 

Here is the claim number and insurance company associated with the loss I wish to dispute ( or explain ) : Claim # XXXX XXXX XXXX XXXX This accident dated XX/XX/XXXX should be listed as an at fault loss, but XXXX XXXX was not the driver. XXXX XXXX is the vehicle owner/policyholder. XXXX XXXX was the at fault driver. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items listed in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items listed in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-21 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:
Several times between XXXX and XXXX, my checking account was charged overdraft fees after pending charges were drawn because Wells Fargo was taking the charges out of order to create an overdrawn amount. They also charged the fees before crediting my deposits made within the same timeframe, which absorbed funds fraudulently. I contacted the bank several times, and in some instances, they returned some of the overdraft fees, however, most they would not return. Between XXXX and XXXX of XXXX, this practice resulted in over {$400.00} in overdraft fees alone, which they refused to refund in any part. During this time period, their practices resulted in the loss of an entire paycheck which set me back even further financially.

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 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
Received a notification seeking to collect a debt for a toll of {$1.00}. I have not received any prior notification or bill for a toll previously. The notice is charging a {$100.00} service fee to collect a {$1.00} toll that I've never been notified about or billed for previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: TX

Complaint narrative:
I've had my debit card frozen on multiple occasions since opening my checking account. I have also had to pay many overdraft fees on my account.

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 2023-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: IN

Complaint narrative:
I had to file a homeowners insurance claim due to flooding in my home. The money source also had to endorse the check for my insurance claim settlement. They took control of the funds and are doing a monitored claim. They will not release any more funds for more repairs until they have done an inspection. I tried to schedule this inspection 2 weeks ago and have continued to reach out throughout the 2 weeks to schedule this so I can continue with my home repairs. XXXX has not scheduled this inspection after 2 weeks. I have also tried filing exception letters to get more funds released to continue the repairs to no avail. I am expected to complete 50 % of repairs with not even 25 % of the money. XXXX also keeps closing the exceptions I have filed after making me jump through many hoops. They have all the information that is needed supplied by my insurance company and contractor but refuse to move this along. I have mold growing and XXXX does not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: TX

Complaint narrative:
Overdraft me service times on reoccurring charge that they were supposed to close..

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 2023-01-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Lots of unnecessary fees charged

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 2023-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I called to dispute with carter young and the credit bureau. asking to validate the debt. 
They have not sent me anything validating the debt in XX/XX/2022 of {$320.00} and {$75.00}. 
on all XXXX of my credit report, it is showing different dates that the account was opened. and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received multiple overdraft fees from 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 2023-01-21 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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00}

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 2023-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
ask for the company to validate the debt and that the account was a charge-off account in the amount of XXXX.

Company response to consumer: Closed with explanation