vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX cont. 

XXXX XXXX XXXX returned a call with an update from WF. Unfortunately, is not able to do S .... company policy. 

I asked for her supervisor 's contact information, and was declined. Please assist. 

XXXX Not exactly a customer concern bank. Sad and true Spoke with XXXX XXXX. Awaiting XXXX XXXX ... .. after XXXX XXXX XXXX the WF XXXX XXXX, and as per my prior conversation XXXX XXXX and WF continue their trickery. I never agreed to the mediation resolution for the XXXX loan. There is no documentation and I never agreed. The sole purpose of the mediation was to discuss the XXXX loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the XXXX loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. Per WFs request by mail to go through a mediation process on XX/XX/2023, XXXX we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX XXXXXXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate.

WF is a fraudulent bank. Please hold them to 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 2023-03-30 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: LA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
After submitting a police report showing clearly that the account was not mine and my information was compromised on the dark web, they reinserted the exact same negative information on my credit report cause me problem with my personal life and business expansion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
TODAYS DATEXXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: LA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I lost my wallet on XX/XX/16 and called when I noticed XXXX XXXX XXXX XXXX charges on my account I filed the disputed capital one tells me my claims are denied because they didnt find an error but they werent mine they didnt come to my home I dont have this accounts and capital one refuses to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: FL

Complaint narrative:
Today XXXX 2023 I tried to withdraw XXXX XXXX from the atm from a card given to me by my employer an the atm told me my creditor denied my transaction so atm didnt give me any money but as soon as I check my account info with the bank It has stated it had been withdrawn. I proceed to call both companies the atm an this card witch isnt even a bank. ( wisely ). First the atm group said contact your bank XXXX ask for a regulation XXXX email to send to us. I then call wisely my card, for them to tell me it takes 45days minimum to resolve this an they in willing to work with the atm ppl to resolve this issue asap. I had talked to 3 employees at wisely 2 people to get told theres nothing they can do. So I call again an the agency then tells me they can try to email me then hangs up on me I feel as if there trying to scam me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Synovus Bank
State: IL

Complaint narrative:
I sent in a total of XXXX dollars to XXXX XXXX XXXX XXXX, better known as First Progress Credit Company. I sent in the XXXX dollars about two years ago to get my credit resestablished for a secured Credit Card to XXXX XXXX XXXX XXXX. I just recently closed my account with XXXX First Progress Company on XX/XX/2023. I faxed my letter to close my account and give me my XXXX dollars back on XX/XX/2023. I have called the customer service number every week since XX/XX/2023 asking to have my money to be expedited to be sent to me and as of today, I have no REFUND OF MY MONEY. EVERY TIME I CALL THE CUSTOMER SERVICE DEPARTMENT THEY JERK ME AROUND AND LIE TO ME!! AS TO WHEN I WILL RECEIVE MY MONEYBACK. I am tired of the dishonesty and the lying to me the consumer. I need my money back AS SOON AS POSSIBLE, this is a total FRAUDULENT COMPANY HOLDING ON TO MY MONEY. I watnt this rectified AS SOON AS POSSIBLE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: TX

Complaint narrative:
Supposed to be paid by employee, have yet to receive anything and keep being put off

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 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;

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 2023-03-30 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
XXXX XXXX XXXX as XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Trustee XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX State Bar Number XXXX XXXX XXXX XXXX XXXX XXXX 
State Bar Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( FAX ) decided to file an unlawful default judgment to garnish all of my money-exempt funds at XXXX XXXX XXXX  XXXX due to their deceptive and unlawful garnishment of my unemployment benefits, 401k indirect rollover, and federal aid leaving me with XXXX  available funds. I am having a difficult time trying to feed my kids, keeping running water and electricity, paying for gas maintaining basic needs due to having exempt funds seized and left with absolutely no money to even pay for water. Despite my several attempts in XX/XX/XXXX and XX/XX/XXXX to remedy this, the previous law firm continued to transfer me to different reps and even provided an invalid number. Then mention that they no longer have my debt and it's transferred. I lost my job in XX/XX/XXXX, got sick, and did not get paid for taking XXXX. I do not have a single or cash on hand, left destitute I need access to my money as my health and kids are left to provide bare necessities like water, lights, food, etc. XXXX and XXXX XXXX XXXX Imposing unenforceable clauses in take-it-or-leave-it customer contracts. Deceiving customers about their rights : Failing to adhere to consumer protections governing customers bank accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: PA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts for XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX, XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX BANK XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX  XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Has violated my rights 15 USC 1681, section 602 A states , I have the right to privacy.

15 USC 1681, section 604, A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I called my credit card and had XXXX XXXX taken off as an authorized user. On XX/XX/XXXX I received a letter in my inbox on my credit card that stated the authorize user has been removed. To clarify that I emailed them and ask them to add his name to the letter saying that he is no longer an authorized user. On XXXX XXXX it was reported to the credit bureau that he was still an authorized user so I called the credit company and ask them why they put him in as an authorized user because now his credit score dropped, and his debt to ratio went up. Hes trying to buy a house and now because of them reporting this to the credit bureau after I had asked them to remove him he hast to wait to get a mortgage for to refinance his house. I have documentation to prove this and I would like it removed immediately from his credit report. The credit card is a XXXXXXXX XXXX XXXX by XXXX XXXX 
When I called to dispute it with the credit card company, they were like oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: WA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I thought I had resolved a disputed debt with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, who had submitted this alleged debt to XXXX  XXXX XXXX back in XXXX XXXX. I also had an attorney substantiate that I did not owe this debt, that it was illegal and in violation of CO. REV. STATUES. and to cease and desist from further reporting and collection of this alleged debt. I heard nothing further back from XXXX XXXX or XXXX, nor did they report this debt to any credit bureaus. Then in XXXX XXXX I got an email from Trans Union that my credit score had changed due to an account in collections reported by XXXX XXXX XXXX for the same alleged debt as above. I immediately disputed this debt with Trans Union, that I did not owe this and that to my knowledge this was resolved that I did not owe this. I also included my attorney 's previous letter that showed that this debt was illegal and in violation of Colorado Law. Trans Union reported on XX/XX/XXXX that they resolved my dispute. I repeatedly tried to see the results on their website but it was not working, it stated due to technical difficulties site not working. I tried for 2 wks and it always stated not working, so I called Trans Union on XX/XX/XXXX. I called and was put on a long hold, transferred and hung up on, I called back several times and was finally given the information they denied my dispute, and I was given the phone number for dispute dept. So I called again on XX/XX/XXXX to Dispute Dept. and after I explained their website was not working and wanted to have more information as to why my dispute was denied, they hung up on me again. Today, XX/XX/XXXX, I tried to add a statement to the illegally reported debt as Trans Union states you can do, but that was not working today as well. I called the Dispute Dept., spoke with " XXXX '', explained my concerns and after I did, he just disappeared and hung up on me again! This is ridiculous!! Trans Union is reporting an illegal debt against me, they also make it impossible to resolve issues as their website is down for weeks at a time with technical difficulties, then if you call they put you on hold for long periods of time, then repeatedly hang up on you. They state you can make statements as to your account but make it unavailable, then they hang up on you when you call for help.

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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I told them when opening my account not to overdraft it, to decline it. They didnt, they told me I owed more than what was over-drafted. They told me they were paying me the money back and Ive heard nothing since.

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