vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I received a XXXXXXXX XXXX XXXX in the mail from Wells Fargo on XX/XX/2023. I immediately called Wells Fargo to ask for an investigation into the fraud and close the account. They gave me Case # XXXX for the investigation and told me I would hear back in ten days. On XX/XX/XXXX, I received a letter stating that their investigation found that there was no fraud, how they came to this conclusion was not stated only that they conducted a reasonable investigation. I called Wells Fargo immediately upon receipt of the letter and spoke with 4-6 different representatives, eventually finding out that the email address on the application was not mine, the phone number used for the application was not mine as well, and that they did not close the account on XX/XX/XXXX when I had called about the fraudulent card. Instead of closing the account, it was activated and was maxed out with a balance of {$5200.00}. None of the representatives could give me an explanation for the fraudulent charges or help me with the problem. The last representative said she would reopen the case ( Case # XXXX ) and that I would receive a call from her supervisor in 48 hours, but I never received a call. On XX/XX/XXXX, I received a letter stating that the account was opened on XX/XX/XXXX via electronic application with my SSN, Birth Date, Address, and Email Address. The application did not include a telephone number, even though I was given one from a representative that was used on the application and the application shows a different email address than was given to me by the representative as well. The letter from Wells Fargo said that this was for XXXX # XXXX, which is a case number I never received. The letter also states that I am financially liable for the {$5200.00} because the claim was denied. I have disputed the charges, frozen my credit, and placed fraud alerts with all three credit bureaus. A police identity theft report was made on XX/XX/XXXX. I sent a letter to Wells Fargo on XX/XX/XXXX restating the identity theft problems and included a copy of the police identity theft report, a copy of the credit report showing the fraudulent account, and a copy of CFPBs Notice to Furnishers of Information. I am waiting for Wells Fargo to abide by the law and do what is right.

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 2023-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: CO

Complaint narrative:
i received 2 letters from TRS recovery services XX/XX/XXXX. both were charges from XXXX, 1 FOR {$38.00} on XX/XX/XXXX and 1 for XXXX on XX/XX/XXXX. The reason was " stop payment '' they said my XXXX was returned by my bank. I never made an XXXX for these. When i saw the charges, i searched my orders on the XXXX app, and couldn't find one near that date for that amount. XXXX couldn't either. so, my bank issued a refund for both. XXXX says this has " still '' not been resolved '' This WAS the first time they contacted me. they wrote since it was unpaid, it is now in the nationwide database ( what's that mean? ) of their affiliate, Telecheck, they wrote that until this matter is resolved, Telecheck may not approve your checks or the opening of a new checking account at over 300,000 financial institutions that use Telecheck 's check acceptance and new account screening services nationally. and then that if I don't dispute it, pay them. I checked again, there are no orders for those dates matching this " DEBT ''. i sent a dispute letter, certified return receipt requested, and they signed for it on XX/XX/XXXX. CFPB said they can't make it impossible to cash checks etc. Lying about the consequences of not paying is considered debt collector harassment, according to the XXXX XXXX. And I'm judgement proof too ( Public benefits ). My XXXX  meds have stopped working because of this. I forgot to inform them that they were not in my orders, XXXX couldn't find them, and that I'm judgement proof. And I really want to add " so, good luck! '' that's not profane. I want this to stop, it's affecting my health. And since I'm XXXX, it will be hard to get a ride to the Post office to send it certified return receipt requested. I will do this as soon as i can. And I live below the Federal poverty line, so even paying for a ride, and 2 certified letters just adds something to my financial hardship. please do something about this for me. I hope that the fact that they harassed me will invalidate this debt. Reference numbers XXXX and XXXX this was a checking account, not a credit card. I have since removed this account from my digital wallet on my XXXX account. i have no idea why XXXX sent this to collect, since they flagged these transactions as suspicious and couldn't find them in my orders.

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 2023-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a customer of Capital One for 4 years. I have never been late, I have never been over the credit limit. Most of my payments were in full. This summer I would like to purchase a used vehicle in cash, so I decided to pay less on my credit cards and keep more cash. 
On XX/XX/2023, all 3 of my accounts were restricted without warning. They claim that the " fraud department '' needs me to submit 3 recent bank statements to confirm my identity. 
This does not make sense, and there is no reason to do so. Is this because I'm not paying my balance in full anymore? Is this because it took several tries for me to obtain a cash advance since customer service kept giving poor instructions on how to do so each time I called? When I called the " fraud department '' on XX/XX/2023, the rep was very evasive. 
Since I didn't receive any response to my letter, I called the " fraud department '' to follow up today XX/XX/2023. I spoke with the 1st rep who acknowledged the letter, and then was transferred to her manager who claimed that she didn't see any letters. Then this same manager hung up on me! She informed me that I was be recorded, ( which is perfectly fine and expected ), and I told her I was recording her as well. She stated I couldn't record her and hung up on me. I would like for the recording of this conversation to be part of this investigation. 
Since my tendency has always been to use the credit cards for daily use to avoid my debit number from being overly exposed, I now have the burden of figuring out what auto-bills I need to change over to different account numbers. 
I'm attaching the letter, a snapshot of my accounts, a snapshot of my XXXX XXXX profile showing that I have a 100 % on time payment history on ALL credit terms with ALL credit companies, and proof of the letter I sent that the manager denied receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Loan was supposed to be removed due to fraudulent ownership, i am not in operation or owner ship of the vehicle

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 2023-06-18 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: PA

Complaint narrative:
YOU VIOLATED THE LAW. PURSUANT TO THE FAIR CREDIT REPORTING ACT AND ITS DEFINITION OF A CONSUMER REPORT, A CONSUMER REPORT DOES NOT INCLUDE A REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT!!!! I DO NOT CONSENT, I DO NOT AUTHORIZE, NOR I DO NOT BENEFIT FROM THE INQUIRIES BELOW. THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER. BLOCK AND REMOVE THE FOLLOWING INQUIRIES IMMEDIATELY!! PLEASE READ ATTACHED FTC REPORT. PROPER IDENTIFICATION IS ALSO ATTACHED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
YOU VIOLATED THE LAW. PURSUANT TO THE FAIR CREDIT REPORTING ACT AND ITS DEFINITION OF A CONSUMER REPORT, A CONSUMER REPORT DOES NOT INCLUDE A REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT!!!! I DO NOT CONSENT, I DO NOT AUTHORIZE, NOR I DO NOT BENEFIT FROM THE INQUIRIES BELOW. THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER. BLOCK AND REMOVE THE FOLLOWING INQUIRIES IMMEDIATELY!! PLEASE READ ATTACHED FTC REPORT. PROPER IDENTIFICATION IS ALSO ATTACHED. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My luggage and purse was stolen in XXXX. Several identity theft situations have occurred since then. Recently I was contacted about a payday loan from XXXX. This debt isn't mine. My purse was left in the shopping cart at a local XXXX in XX/XX/XXXX. I had two credit cards with Navy federal credit union. Those credit cards were used and my account was hacked which has now gotten me into debt of over XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Inaccurate and false information on my credit report. The following phone numbers are invalid and need to be removed : ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I told them that I had just had a XXXX  and that I needed a week to pay what I owe to stop them from coming to get the car I gave them XXXX until the next week and they still came to get it. My wife wasnt working and I told them that I need more time after the XXXX dollar payment to them they came and took my car

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 2023-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NM

Complaint narrative:
Dovenmuehle continues to try to collect my mortgage from XXXX despite expending my Forebearance so that the first payment should have been due XX/XX/2023 not XX/XX/2023. My previous complaint here shows that, however their finance department continues to try to say XXXX it was due. 
Everyone that works at this company is derelict in their duties and it takes filing a complaint here to actually get someone competent and/or inspired to actually do their job. 
Please update my records!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Please see my previous Case Number for - XXXX. 

Capital one said the inquires on my account will be removed but it still hasnt for my XXXX  XXXX XXXX XXXX score and fico score. I was advised to wait 60 days for the changes to reflect and have those inquires removed but up until now it stills shows capital one inquires on all my credit reports. please see attached letter you sent me. 

am in the middle of applying for my mortgage so please set urgency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 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: OR

Complaint narrative:
There are multiple inaccurate information and in valid information on my credit report phone numbers and addresses and names.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have two checking accounts with US Bank. One checking account had a hold on the account. The other checking account was without a hold. I also had a power of attorney agreement with my son to have access to both checking accounts because I am home-bound and unable to personally go to the bank branch. My son on XX/XX/2023 at approximately XXXX pacific standard time went to the USBank branch located on XXXX XXXX XXXX XXXX XXXX California and requested to the bank teller to transfer {$9000.00} from the checking account with the hold to the checking account without the hold restriction. The bank teller explained that only US Bank 's 24 banker can remove the hold on the checking account. Prior to XX/XX/2023, the 24 hour banker explained that only the bank branch could remove the hold. In addition, the branch bank teller also explained that the account holder who placed the hold on the checking account needed to be present at the bank branch to remove the hold, no hold would be removed to a person with a power of attorney on file with the bank. My son requested to speak to the branch manager. The branch manager, XXXX XXXX, agreed with the branch teller. My son called the 24 hour banker. The 24 hour banker disagreed with the branch bank teller and branch manager. The 24 hour banker called the branch three times, but, the branch manager refused to answer the telephone calls. The 24 hour banker transferred my call to US Bank 's fraud department. The fraud department also tried to call the branch manager to explain that the branch manager was mistaken and the hold should be removed. However, the branch manager refused to accept the calls from the fraud department. The branch manager told my son to go to the " home '' branch where the checking account was originated. The home branch should be able to remove the hold. The branch manager violated my civil rights as a XXXX person to do banking with US Bank.

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 2023-06-18 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: TX

Complaint narrative:
I submitted dispute to XXXX, Equifax and XXXX - Verify and delete aged debt, XXXX & XXXXXXXX XXXX . The debt it is the same debt. It has been reported multiple years inaccurately since XXXX. 
*********************************************************************************** RESULTS : XXXX - Deleted Both FILES : XXXX : *XXXX- DELETED XXXX : XXXX XXXX DELETED **************************************************************************************** The RESULTS other two did not delete the files : XXXX : only removed XXXX XXXX XXXX XXXX UPDATED XXXX I have connected and file dispute XXXX XX/XX/XXXX and reinvestigation with XXXX did not yield any results. It was difficult for dispute. 
******************************************************************* **RESULTS EQUIFAX : ______ ** EQUIFAX UPDATED XXXX XXXX ** EQUIFAX DELETED XXXX Equifax I submitted the disputes and reinvestigation. 
****************************************************************************** Section 1681e ( b ) of the FCRA requires credit reporting agencies, like XXXX, Equifax to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports. They are violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Im filing this because XXXX  XXXX will not help during this time that Im going through a financial hardship, I lost my job and I cant make any payments, I have tried to call and get help but hung up on constantly, transferred, im very much struggling, im trying with every effort I can to get back in my feet and Im asking XXXX  XXXX to help and give me some help so I dont get behind I dont want to lose my XXXX  XXXX XXXX  or XXXX XXXX  , im sorry the company I worked for went out of business, I need assistance with my payments not fees that wont help, im trying to get work but it has been that hard for me, I really care about being a customer of XXXX XXXX Im just going through a hard time and want and need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
This is my second complaint filed against XXXX. They have removed the information before after the first complaint now they have sold it to another collection company and added it to my credit reports. I am so tired of having to go through this. As a victim of identity theft they do not make it easy at all. This reporting has dropped my credit score significantly again and this is not even accurate. Please can someone help me resolve this so this will stop happening. This is the third collection company they have sold it to and added it to my report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX Re : Disputing errors on credit report Dear CFPB, I am writing to request a correction of the following information that appears on my XXXX, Experian, XXXX consumer report. Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I request that you investigate the following items : ACCOUNTS : Dispute 1 : XXXX Bank opened on XX/XX/XXXX Dispute 2 : XXXX XXXX opened on XX/XX/XXXX Dispute 3 : XXXX XXXX opened on XX/XX/XXXX Dispute 4 : XXXX XXXX opened on XX/XX/XXXX Dispute 5 : XXXX  XXXX opened on XX/XX/XXXX Dispute 6 : XXXX opened on XX/XX/XXXX Dispute 7 : XXXX/XXXX  opened on XX/XX/XXXX Dispute 8 : XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute 9 : XXXX XXXX opened on XX/XX/XXXX Dispute 10 : XXXX XXXX XXXX opened on XX/XX/XXXX Dispute XXXX : XXXX XXXX XXXX opened on XX/XX/XXXX INQUIRIES : Dispute 12 : XXXX XXXX made on XX/XX/XXXX Dispute 13 : XXXX XXXX made on XX/XX/XXXX Dispute 14 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 15 : XXXX XXXX made on XX/XX/XXXX and XX/XX/XXXX Dispute 16 : XXXXXXXX XXXX made on XX/XX/XXXX Dispute 17 : XXXX XXXX made on XX/XX/XXXX I contacted those credit agencies directly and asked them to remove their credit account and/or inquiry from my credit report. I request that you investigate the following items on my credit report to determine who authorized the item. If you find my allegation to be true once your investigation is complete, please remove these items and send me an updated copy of my credit report at the address listed above. 
If you find the account and/or inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, 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