vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
SECURITY CREDIT SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$610.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
The company reporting to my credit is ARS Account Resolutions. They are reporting three different amounts so therefore they are listed on all three of my credit reports three different times. I have tried to get the company to send me proof of the contract and debt. They have not done so. Im hoping by filing this complaint they will verify the debt or remove it from my credit reports. Im would like to buy a home a home for my family and I soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I pay my PayPal bills with my related Synchrony Bank credit card. The on-line payment information provided by Synchrony Bank shows `` Current Balance '', and " Minimum Payment Due. '' It does not show the balance as of the end of the billing period. So the choices provided fail to show the option with the required amount to be paid without incurring finance charges. 
The " Current Balance '' can include charges incurred after the end of the billing period, so this choice would have the consumer pay more than the amount required to avoid finance charges. And the " Minimum Payment Due '' would usually incur finance charges on the account. 
This is bad disclosure and, I believe, constitutes an unfair business practice. The billing statement should also indicate the balance at the end of the billing period so consumers will know how much they need to pay without incurring a finance charge. 
The Synchrony Bank chat facility ( on XXXX XXXX ) could not, or would not, provide the information of the end-of-period balance, and did not properly identify the government agency information for regulating such practices.

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is a second complaint to the pending response of complaint : XXXX I paid this credit card off in XXXX and failed to cancel an automatic payment of {$100.00} that was paid in XXXX. I called today XX/XX/28 and they said I owed interest after I paid off the card. It is an unfair and deceptive practice to charge a consumer interest after the account was paid off. BofA refused to refund my {$100.00} and said that I owe them interest in the amount of XXXX. I want BofA to refund my {$100.00} payment and any interest owed from the 1st complaint.

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 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland - open case- I called to dispute - they filed garnishment against me through XXXX XXXX XXXX XXXX {$5400.00} Asset Acceptance - I called to dispute - they filed garnishment against me through XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX - I called to dispute - they filed garnishment against me through XXXX XXXX XXXX XXXX {$3100.00} XXXX - they filed garnishment against me through XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX - I called to dispute a debt - they sent me a statement trying to collect a debt {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I called to dispute a debt - they sent me a statement trying to collect a debt {$450.00} XXXX XXXX - I called to dispute a debt - they sent me a statement trying to collect a debt {$670.00} Well an XXXX XXXX XXXX I called to dispute a debt - they filed garnishment against me through XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I called to dispute a debt - they sent me a statement trying to collect a debt {$450.00} XXXX XXXX XXXX I called to dispute a debt - they sent me a statement trying to collect a debt {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MT

Complaint narrative:
I purchased an item on XXXX. The item was defective and did not work. The seller told me to ship it back and they would credit me for the shipping, and then mail the item back to me after repair. I sent the defective item back, and paid {$48.00} to ship the item back. The seller then sent me two credits that totaled {$50.00} to cover the shipping. Then the seller kept my {$80.00} purchase price money and never sent me the item back and would not reply to messages. I disputed the transaction, I won, Wells Fargo credited me card {$80.00} and told me the dispute was closed. Then months later, Wells Fargo sends me a letter saying that they have debited my account {$50.00} and gives me no reason. I did not authorize this {$50.00} debit. Wells Fargo stole {$50.00} from me. I called and tried to get my money back but they kept putting me on hold and making excuses and lying to me and would not return my money. Please help! Wells Fargo and XXXX stole {$50.00} from me illegally!!!

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 2023-04-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the XXXX XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$19000.00}

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 explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
AMSHERCOLLECTION SERVICES ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: AR

Complaint narrative:
XXXX, Transunion, XXXX fails to investigate the situation properly.

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 2023-04-28 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
During COVID I requested assistance with payment forgiveness and or options for reduced interest/pay off assistance. The relief was not an option & interest, fees, and payments have increased exponentially in over two years. The line of credit has not charged off despite no payment to account. As well, Ive sent several emails for call back from management or supervisory account managers, Null. I have had conversations with representatives, was met with very rude and condescending push back. Overall, I have an amount thats doubled that the company wants me to pay. At this point my credit has been severely diminished with each monthly hit from net credit. To no avail no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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:
In a recent review of my credit reports, I found a " Collection '' account being reported to all three ( 3 ) credit reporting agencies in the name of XXXX XXXX XXXX. I contacted the company and all three ( 3 ) credit reporting agencies seeking " Validation '' and to inform them that I do not owe this debt, I do not recognize this debt and that my Consumer Rights have been violated. I received no notification of investigation from the credit reporting agencies, only to show that this " Collection '' was disputed by consumer and meet the FCRA requirements. The company itself has yet to provide me with any information. Furthermore, pursuant to the FDCPA Regulation F, this company has violated my rights by not adhereing to the follow law : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. The credit reporting agencies has allowed this and along with the company are breaking the law. They are willfully placing a negative, unverifiable account on my credit report without any proof that this alleged debt belongs to 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 2023-04-28 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:
In a recent review of my credit reports, I found a " Collection '' account being reported to all three ( 3 ) credit reporting agencies in the name of XXXX XXXX XXXX. I contacted the company and all three ( 3 ) credit reporting agencies seeking " Validation '' and to inform them that I do not owe this debt, I do not recognize this debt and that my Consumer Rights have been violated. I received no notification of investigation from the credit reporting agencies, only to show that this " Collection '' was disputed by consumer and meet the FCRA requirements. The company itself has yet to provide me with any information. Furthermore, pursuant to the FDCPA Regulation F, this company has violated my rights by not adhereing to the follow law : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. The credit reporting agencies has allowed this and along with the company are breaking the law. They are willfully placing a negative, unverifiable account on my credit report without any proof that this alleged debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX Missed payments ' XXXX XXXX  I OWE THEM {$270.00} in COLLECTIONS OPENED XXXX. XXXX XXXX XXXX I OWE THEM {$1900.00} IN COLLECTIONS OPENED XXXX. 

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 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 convictions of crimes which antedates the report by more than seven years.

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

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 any reasons.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Please be advised that on XX/XX/XXXX I received a Bank of America checking card under my maiden name for an account that isn't mine. I called Bank of America on XX/XX/XXXX and informed the associate that an account was opened under my name. After investigating the associate confirmed that a checking account was opened around XX/XX/XXXX and has online access to the account. The account was flagged for fraud and closed. I then ( XX/XX/XXXX ) informed XXXX, XXXX and XXXX that I have been a victim of identity fraud. On XX/XX/XXXX I received an email alert stating that I couldn't open an account online with Bank of America and that I need to walk into a branch. On XX/XX/XXXX I called bank of America and informed the fraud department that I received an email alert about an account being opened. The associate advised me that someone attempted to open another account via online through the mobile app but it was denied. She also informed me that someone attempted to open an account under my name in XX/XX/XXXX. She then gave me information to this website and XXXX for further 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 non-monetary relief
Consumer complaint received 2023-04-28 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: FL

Complaint narrative:
I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the XXXX XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$19000.00}

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 2023-04-28 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: FL

Complaint narrative:
I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the XXXX XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank and Wells Fargo Dealer Services have committed fraud and stolen several thousands of dollars from me as well as Illegally repossessed a vehicle from me in 2017. I was charged for CPI and CPI interest unknowingly and wrongfully. I was also charged increased interest charges and my monthly payments were miss-appropriated Wells Fargo has also RUINED my credit score I was the victim of fraud and criminal conduct on behalf of Wells Fargo Bank and Wells Fargo Dealer Services and my car illegal repossessed. I was also given no notification on how I could retain my vehicle and it was quickly sold off. 

The amount of money stolen from from CPI and CPI interest as well as other fees and interest charges led to this event. I lost my money, vehicle which led to my credit score being ruined and I lost work as a result of it. The amount of compounding stress this has caused on my life is insurmountable. Losing my vehicle cost me an extreme amount of momentum and opportunity at a very critical time in my life. 


Aside from the mental, emotional and financial losses my personal credit score was ruined and I found myself having a hard time being approved for some apartments down the road, as well as credit products. 

Today, this fraudulent WFDS account is still reporting on my XXXX account and damaging my XXXX score. In fact, so much that I have scores in the XXXX 's and XXXX 's on XXXX and XXXX and yet XXXX 's on XXXX. This unfortunate atrocity has limited my ability to secure business credit at a very critical time in my life being a father to a XXXX XXXX year old boy. 


So much damage has been done in my life as a result of this and its about time this is resolved once and for all There has been a Court order that Wells Fargo Bank make reparations to those they victimized. those in my case are entitled to not less than {$4000.00} but NOT LIMITED TO {$4000.00}. The amount taken from me, cash value and car and residual compounding impact from this event far exceeds that number Wells Fargo has made XXXX attempts to contact me in regards to this matter. I have reached out only to be told someone would get back to me at some distant time in the future.. 


XXXX is 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