vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I tendered payment to Capital One credit card account via an ambiguous negotiable instrument in the form of postal money order XXXX in the amount of {$1000.00} in accordance with XXXX, UCC 3-603 and UCC 3-311 to Capital One on XX/XX/2022. They accepted my instrument, but only credited my account {$1.00}. I spoke to them on the phone and they refused to apply the proper payment, even though they admitted they accept legal tender, which is what I gave them. This is a dishonor and against the law. Ive attached to this document all the applicable laws, a copy of the check, proof of deposit, as well as documents confirming my status as a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo takes my payments from my checking account and insists they have not received payments. I have all documentation of payments being made. I use Wells Fargo bill pay online to pay my Wells Fargo mortgage. The monies have been consistently deducted from my checking account. Even if I use a direct payment to WF the money is redirected to other Wells Fago accounts that are not mine. Wells Fargo keeps sending me notifications of collection and does nothing to correct it and admits the money has been redirected and claims it's an internal issue but won't document it. When I spoke with Wells Fargo Management I simply asked where are my money and they admitted it was received but they can't find it and insist I am in rears. I have never in 30 years missed a payment. This all began when I refinanced on XXXX I have all the documentation Wells Fargo has withdrawn my funds internally from my account but keeps harassing and doing a run around to me and refuses through incompetence to correct the issue.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 2023-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has incorrectly reported that I have a late payment for my card in XX/XX/2022. This has caused my credit score to go down significantly. I have contacted the company 3 times and this has not been corrected. I have also filed disputes will all 3 credit bureaus and this has not been resolved. I have confirmed with Capital One that I paid the card on time 100 % of the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Date Opened : XX/XX/2022 Defamation Of Character Defamation is the act of harming a person 's reputation through the use of words. When defaming words are in writing this is known as libel defamation. 

1. Publication of information is required 2. The person being defamed was identified by the statement 3. The remarks had a negative impact on the person 's reputation 4. The published information is demonstrably false This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data for the account opened XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
I do not have an account with Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I have never received any bill nor notices from XXXX XXXX I viewed by credit report and I saw this error. I was never informed of such issue.This issue looks to be very small and to put it in my credit report without verify with me that this issue an account I know of every very strange. This company says I owe then XXXX. I do not owe them any funds. Please remove this from my credit reports. 

People please be aware of this type of company I do not believe it is XXXX what kind of people just puts something in your credit report without even calling your or sending a letter to you there are rules for this kind of thing.

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 2023-01-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting that I have and open account. I do not have an open contract with XXXX XXXX XXXX. I do not have a collection Im requesting that the account be permanently removed from my credit file as it is damaging my scores to buy home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
1.I have never had an account with this company COMMONWEALTH FINANCE , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMMONWEALTH FINANCE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, o
r any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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:
XXXX XXXX has incorrectly reported that I have a late payment for my card in XX/XX/2022. This has caused my credit score to go down significantly. I have contacted the company 3 times and this has not been corrected. I have also filed disputes will all 3 credit bureaus and this has not been resolved. I have confirmed with XXXX XXXX that I paid the card on time 100 % of the time.

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 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
1.I have never had an account with this company WAKEFIELD AND ASSOCIATES , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WAKEFIELD AND ASSOCIATES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX had obtain my personal information through identity theft. I never given this company any of my personal information including a social security number. According to the Privacy Act of 1974 which states : " The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. '' XXXX and Exeter Finance violate this act when my information was illegally obtained without my verbal or written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 account without my written instructions.

15 USC 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. 


REMOVE THIS FROM CREDIT Thank you, 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
Consumer complaint received 2023-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
How can a wire go through with an incorrect beneficiary name and address? 
The address used is a Bank of America address- why didn't this throw up red flags?

How was a wire to a Bank of America account rejected to my wife when I misspelled her name, but allowed to go through with a wrong beneficiary name AND address?

How is this criminal client of yours still allowed to operate these accounts? The ones mentioned previously. 
Why do you allow criminal activity within your institution? 
How was this criminal allowed to open a Bank account? 
In America when someone is convicted of a crime, other involved parties are charged as being an accomplice. Why doesn't this apply to banks who allow criminals to operate within their institutions and do nothing to correct the problem. 
Why are you protecting a criminal and refusing to pay me what is rightfully mine? 

Bank of America is protecting a criminal and has a criminal as a client. Their client hacked into my customs brokers email and changed his wiring information so that the money I sent from my XXXX bank would go to them. XX/XX/XXXX I unknowingly wired XXXX to this criminal and XX/XX/XXXX again {$14000.00}. 

I realized this was a mistake immediately after the last wire. A XXXX representative informed me that they would be able to pull the {$14000.00} back before it was fully processed. This was told to me over a recorded line on XX/XX/XXXX. It somehow still processed against what I was told. I filed a fraud claim and Bank of America is denying to give me the funds that were stolen from me. I also know for a fact through a recorded phone call that they were still allowing to let this criminal operate his/her accounts. I have filed police reports against the criminal as well as Bank of America for their lack of cooperation and the fact they have called me twice to tell me " I don't know ''. It was Bank of America that allowed this criminal to operate within their banking institution and it is Bank of America who needs to be held responsible for their lack of vetting their clients. I want to be reimbursed my {$20000.00} fully in a timely manner by Bank of America. If the tables were turned, I would be receiving letter after letter. The questions in the beginning of this statement are questions Bank of America will not answer because they have absolutely no clue because somebody knowingly allowed this criminal to open an account without proper documentation.

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 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management
State: TN

Complaint narrative:
1.I have never had an account with this company FOX COLLECTION CENTER , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FOX COLLECTION CENTER the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My XXXX XXXX Account was defrauded of {$1000.00} and my Bank, Bank of America is not willing to help me with this fraud claim. I have attached a police report and fbi report.

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 2023-01-05 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-01-05 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
Unresolved Issues with Bank card and Accounts - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  To : XXXX XXXX XXXX : XXXX XXXX XXXX Dear XXXX XXXX Resolution Manager | Client Advocacy Team As of today, XX/XX/XXXX, my account is still frozen and forced me to drain my checking account -illegally by using it as leverage to cover my broker account. I'm puzzled by your incorrect letter on XX/XX/XXXX and XXXX XXXX and wild explanations!! Why would I ( a reasonable person standard ) close my own credit card on vacation in XXXX?? You have several letters documenting the facts. The fact remains it was your Rep who used bullying and coercive techniques to freeze 3 accounts. We believe, this action is breaking a series of banking and SEC regulations. It is my understanding Schwab policies are trumped by federal and state laws. I lost way too much money in the XXXX unprovoked account freezes and improper mathematics to simply have the matter buried by inaccurate nonsense!! I have filed a FINRA complaint with XXXX XXXX in. Washington DC and expect Schwab to produce the recordings of bullying reps forcing me to close my banking account and data I requested for mediation and or court. I think the federal government needs to see how small investor, and XXXX US citizen, is treated by your firm. I know Schwab and other broker-dealers are afforded guard rails given by SEC but XXXX we believe your actions have strayed outside the lawful industry standards. I teach finance at the University level for 25 years. I discuss the law as written. I have 2 other brokers and checking accounts. I do not have any of these problems. Why?? I request a credit of {$32000.00} in cashier 's check plus the proceeds from my frozen accounts. All my best, XXXX XXXX I request a credit of {$32000.00} in cashier 's check plus the proceeds from my frozen accounts and damages caused by your improper handling of my account. All my best, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, Lawyer

Company response to consumer: Closed with explanation