vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SG and Associates
State: FL

Complaint narrative:
Stafford Group is calling me about a supposed debt. They have called my XXXX yr old Daughter on her cell phone, my ex husband, my elderly parents. Stafford Group never disclosed to anyone it was an attempt to collect a debt, they told XXXX yr old Daughter there is a case against me and also called my ex-husband. I have screenshots of all of their calls. Stafford Group called XXXX XXXX  and left a message on a random phone stating I owe money and there are charges being filed against me. I have a statement from XXXX XXXX. My elderly parents and ex husband are getting calls all day from them. They have threatened all of us, used illegal debt collection tactics. We have hired an Attorney against Stafford Group

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 2023-08-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was using a lawyer named XXXX XXXX XXXX who was not responding to my phone calls, and texts. He also did not show up to court. I complained to the Judge XXXX XXXX of XXXX New Jersey who agreed that the lawyer had abandoned the case and allowed me to fire the lawyer and seek council ... I paid him {$2000.00} of which I used my Wells Fargo debit card to pay him {$1000.00} of the {$2000.00} ... After he was fired I demanded that he return my money in full and he ignored me... I subsequently made a credit dispute with Wells Fargo on the amount of {$1000.00} and they rejected the dispute. I asked Wells Fargo what kind of investigation they did and what evidence that the lawyer provided that refuted my claim and they told me that the Wells Fargo policy was not to release any information on the investigation. This is a farce... Wells Fargo has since removed the details of the dispute from my account and will not give me access to my old statements trying to make it disappear. I have subsequently found out that Wells Fargo did not even reach out to XXXX XXXX XXXX and will not answer my questions of what type of evidence they had to make the decision ... I want to see their file on how they made their decision because it is obvious that Wells Fargo did not do an investigation and arbitrarily without any reason rejected my dispute

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 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: WA

Complaint narrative:
Hi, I have been dealing with Oklahoma state tax commission for income tax not paid in XXXX. I have been contacted multiple times from Linebarger Goggan Blair and Sampson, LLP about unpaid debt. However, the income tax was paid and I have proof of paid taxes from XXXX. I have been trying to fix this since XX/XX/XXXX. I also repaid this debt in XX/XX/XXXX. Which I also have proof of. I recently contacted again from Linebarger in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: SC

Complaint narrative:
This debt does not belong to me. I have attempted to resolve this with 1st Access. This is ridiculous. The account is reporting late payments for XX/XX/2023, yet it is also reporting that the account was closed. 

This is an indication of my personal information being mishandled. 

I demand proof that this account belongs to me. I am requesting a written and signed contract with my signature. If not provided, this account must be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I have been requesting that Toyota Financial Services provides me with a formal breakdown of the original contract, including the fees and why insurance and my down payment was not included within the financing as the law states as per USC 1605 " sum of all charges '' and # XXXX : states " premium or other charge ... or insurance protecting the creditor ... '' I was asking for them to verify that my loan was written correctly, but they never responded to any affidavits, dispute letters, or motions. I have tried for over a year now to confirm this contract is valid. Toyota has ignored all requests. They have now stolen my vehicle in which I only owe about $ XXXX on but stopped making payments when they refused to provide me with proof of a valid contract. They are going to sell my vehicle on XX/XX/23, and I need them to allow me to defend myself before a judge but they wont even let me do that. They are themselves finding me guilty without a judgement in place. I never wanted to not pay, I just wanted TFS to verify the contract/loan was correct. I have numerous written communications that are all notarized and certified/signed for mailed as proof of my attempts to get this information. I was always willing to make the payments once they verified the loan. I am still asking for verification, but they took my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: DE

Complaint narrative:
I was purchasing a puppy which was {$900.00}. I sent the money from my XXXX  XXXX XXXX app through Zelle to the person I was making a purchase, but within 8 hours I did not receive further communication. I called XXXX  and told them I thought I was scammed, and fraud happened. They opened up a dispute case for me. The scammer then sent the money from XXXX to XXXX. XXXX  XXXX XXXX come back and say they can not get my money back from XXXX XXXX, which houses the fraud account used to steal hundreds of thousands. It seems like these banks are promoting theft and fraud and they do not do anything about it as a consumer, this is not fair. I can not believe the government would allow banks to operate this way. You think your money in a bank is protected but I can see they are not. This was the 1st time I used Zelle, and I assume I was protected because I used it in my bank app. XXXX  has not even followed up with me since I submitted a dispute case. Why is Zelle allowing so much wire fraud and scams to occur without doing anything about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SERVISFIRST BANCSHARES, INC.
State: TX

Complaint narrative:
Dealing with covid XXXX I was greatful enough to be put in a forbearance after being furloughed. However since that its been chaos being able to get this resolved. I have been lied to, blamed, discriminated embedded in bluntly miss represented. This company Servbank has taken over my loan they have been falsifying and giving me incorrect information and forcing my home into a suspended foreclosure. I have submitted several complaints against not only the custom allies, but the representatives that I have speak into the supervisors they are very knowledgeable, but very inconsiderate as well. I have been dealing with getting a standalone partial claim for the past XXXX months. This matter has taken so long that it has put me in deep, XXXX and XXXX on losing my home. Today I decided to submit a actual complaint with the consumer financial protection bureau, because this matter is so important to me, and I dont wan na lose my home. I hope I can get this problem. Rectified from the false forbearance l that they have informed me that I was on and the false news that they informed me. Yesterday the Customer ally name XXXX was extremely rude and very inconsiderate. Stating that it is my fault that I am in the status that I am in and trying to force me to make a payment. However, my account is in suspended for closure, and I am not allowed to make any payments. This is the third customer ally that I have received and I have no hope for this company and pray that I get my home out of this suspended foreclosure to refinance. And I am hoping to get this matter resolved as soon as possible but if anyone could help please do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is spelled XXXX XXXX any other way is in correct There are also addresses on my Report I never lived at. 

I uploaded my XXXX XXXX bankruptcy discharge letter from XXXX any negative credit reporting before or after should be removed.

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 2023-08-10 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX XXXX XXXX {$9000.00} XX/XX/XXXX I been disputing these fraudulent inquires and accounts since I discovered I was a victim of identity theft. Nothing is being done. I never did business with these companies nor have any knowledge of them. I didn't give these companies permission to use my information. I have filed in person police reports. I believe it might be a family member using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: DE

Complaint narrative:
I have recently reviewed my credit report and noticed several inaccurate items on my credit profile.

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 2023-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
I attempted to dispute a collection on my account from XX/XX/XXXX, on XX/XX/XXXX as not my responsibility. I never received a notice of a balance and when disputing the collector, they sent me a " proof of responsibility '' with my name, address, diagnosis codes and insurance company from my medical visit which is protected information under HIPAA. They took 3 years to send this to me. On my credit it says it was only added in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I don't have any financial obligation with these companies

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 2023-08-10 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: NY

Complaint narrative:
I don't have any financial obligation with these companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: FL

Complaint narrative:
There are several inaccurate addresses on my credit profile still being reported. I have contacted all bureaus several times to remove the inaccurate information since I'm a victim of identity theft/fraud and nothing has been done.

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 2023-08-10 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: FL

Complaint narrative:
There are several inaccurate addresses on my credit profile still being reported. I have contacted all bureaus several times to remove the inaccurate information since I'm a victim of identity theft/fraud and nothing has been done.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened up an account which shows on my credit report as XXXX to be reported for XXXX year using a security deposit. This was to build my credit and get a return of the security deposit at the end of the XXXX year period. After XXXX year ended, instead of receiving back my security deposit when requested, the company started a new unauthorized account which showed up on my credit as XXXX ( XXXX XXXX ). I tried contacting them to dispute it but I could not get through to anyone. To avoid my credit being negatively affected, I made the minimum payment while trying to dispute and close the account. During this time I could not log in or create a new account online. I was out of work for a period of time in XXXX and could not continue making payment but still could not get the company to close this account. In XX/XX/XXXX, I figured out how to email XXXX XXXX and informed them that I never authorized the account or received a statement from them. I was informed by email that its done automatically and and you have to log in to get one. I informed them that I could not log in and the number on back of the card could not reach a person not give me account details. I was also told that they closed my account back in XX/XX/XXXX and took my {$470.00} security deposit to pay for fees and late fees and that I still owed another {$170.00}. However, they lied because this account is still showing as open on my credit file, further damaging it. The {$470.00} was my money to use but the late fees came from this company who refused to close the account. I am currently still receiving invoices for fees and my credit is ruined due to this company. I was told by email that they would not remove this account from my credit report until I pay them {$170.00}. This is Fraud because I never authorized this account to be added to my credit again. I continue to receive harassment emails from this company and Im told that my it wont stop until I pay them {$170.00} and then late payments will remain on my credit file. I want this removed this from my credit file. This company commits fraud and add unauthorized charges and fees to consumers credit report. Then they refuse to work with customers in order to resolve the issue.

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 2023-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I opened 2 savings accounts with Citizens Access both in the amount of {$250000.00} on XX/XX/XXXX. Beginning on or about XX/XX/XXXX I began attempting to transfer {$150000.00} to an external account. Each attempt failed with a message stating that there was a problem with the transfer and to try back. After multiple failed attempts, I contacted Citizens Access by phone yesterday, XX/XX/XXXX. The representative I spoke with advised me that my account is locked due to an internal investigation and that someone would contact me within the next few days. He said he coulde n't give me any further information regarding the reason for the internal investigation. After further consideration, I decided that waiting to hear back was not an acceptable resolution. I called again today and spoke with XXXX in escalations. She confirmd that the account is locked due to an internal investigation. She would not tell me why, how long the investigation would proceed, or who I could speak to to get these answers. She did confirm that the internal investigation was inintiated on XX/XX/XXXX - the same day the account was opened. So, since deposting the funds, I have not had access and have been given no indication as to when I will be granted access. The case number she gave me for the internal investigation is XXXX. Upon reading other reviews, I'm seeing that other consumers are experiencing the same situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, 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