vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2022 I received a phone call from the Wells Fargo Small Business number. I was asked about a potentially fraudulent transaction made in XXXX, FL. I confirmed that I was not traveling and that this transaction was indeed fraud. I was asked by the fraud rep to provide a verification code sent to my phone via text. I provided the Rep with the number. After seeing that the code was not supposed to be asked by a Wells Fargo employee, I hung up and called Wells Fargo fraud support. The call was performed by Caller ID Spoofing and the hacker gained access to my account and wired {$16.00}, XXXX to his XXXX XXXX XXXX account. Wells Fargo claims they tried to recall the money but were unsuccessful. They closed the claim with no follow-up call of acknowledgment to me. And told me I am out of luck. I am left to fight this case with concerns on the following items. 

1. I called Wells Fargo within 5 minutes of the incident.

2. There were no security measures made in concerns to the foreign phone and IP address.

3. No call about suspicious depletion of my account to 0 dollars.

4. No follow-up call regarding the case ( as promised ) 5. No follow-up call regarding the XXXX XXXX  XXXX recall status ( as promised ) 6. I am left to believe that this may have been an inside job by a Wells Fargo employee.

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ... .. XXXX ) The description of the procedure used to determine the accuracy and completeness of the information. XXXX ) Name, address, and telephone number of each person contacted regarding this alleged account. XXXX ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. XXXX ) proof they are authorized to collect the debt. They failed to provide any of the above information.THEY HAVE NOT RESPONDED TO MY LAST REQUEST THUS, BY LAW, THIS ACCOUNT MUST BE REMOVED FROM 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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank closed my account after it was compromised. It has been over a month and they have kept funds essential to my familys survival. They have not sent anything in the mail or email.

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 2022-11-14 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: AL

Complaint narrative:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
Credit Collection Services and XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. Credit Collection Services, XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX transferred the account in reference without lawful authority to Credit Collection Services which is a violation of code 18 USC 1028 ( a ) ( 2 ). Credit Collection Services obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Credit Collection Services and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Credit Collection Services does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Credit Collection Services is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Credit Collection Services that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Credit Collection Services has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone keeps trying to use my identity to apply for a credit card. I keep getting emails from Bank of America stating that I have been denied for a credit card but I have not applied for a credit card.

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 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XXXXXXXX XXXX XXXX I was aggressively pursued by a representative of Citizens Bank to apply for a home mortgage loan I didnt need. In XXXXXXXX XXXX XXXX I signed a contract of adhesion in a fast food diner. I received the loan proceeds at closing on XX/XX/XXXX and commenced timely repayment. Unfortunately, Citizens incorrectly processed my payments. That information was revealed to me by XXXX XXXX XXXX, a Citizens customer service manager. Citizens nevertheless reported me 60+ days delinquent for the months of XXXX, XXXX, and XXXX, for which I have e-mails from Citizens acknowledging receipt of my payment. Parenthetically, I am accused of being 180 days delinquent during a period of 153 days. The result is a loss of more than XXXX points from my otherwise impeccable credit score. I have tried countless times to resolve this with Citizens collections department. All I get is the runaround. Days ago I received a sheaf of hardly dispositive papers from Citizens purporting to demonstrate that I failed to make timely payments, when I have records of receipt for this entire year. If I am so abusive of credit, how did I get fast track loan approval from Citizens in the first place? Please help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These XXXX XXXX XXXX cards, XXXX with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my XXXX report. Both are violations of my rights. THIS INVESTIGATION HAS TAKEN LONGER THAN XXXX DAYS!

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 2022-11-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX  XXXX Bankruptcy Court : Federal Reference # : XXXX Date XXXX : XX/XX/2016 -Today I contacted XXXX XXXX XXXX ALABAMA located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX with the phone number ( XXXX ). They informed me that they do not supply information the third parties. How did you verify this public information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TX

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

( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX 

15 U.S.C section 604 A. States consumer reporting agency can not furnish an account without my permission.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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:
XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These two XXXX XXXX cards, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my Myfico report. Both are violations of my rights. THIS INVESTIGATION HAS TAKEN LONGER THAN 30 DAYS!

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These XXXX XXXX XXXX XXXX, XXXX with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my Equifax report and on my XXXX report. Both are violations of my rights. THIS INVESTIGATION HAS TAKEN LONGER THAN 30 DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These XXXX XXXX XXXX XXXX, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my Equifax report and on my XXXX report. Both are violations of my rights. THIS DISPUTE HAS TAKEN LONGER THAN 30 DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nicholas Financial Inc.
State: VA

Complaint narrative:
In XXXX of XXXX Nicholas Financial refused to process my payment, thus pushing my loan into default and showing a late payment on my credit. It ' ; s important to know that, I had restricted from making payments online, even after I asked that the problem be corrected, so I was forced to email a representative when I wanted my payments withdrawn. I have an email showing that my payment was not taken out as instructed. After my loan defaults, I find out that I was not only over charged, but that these people have committed fraud against me. First, I never gave permission for Nicholas Financial to run my credit in XXXX of XXXX. No one asked, they ran my credit even though I financed my car in XXXX XXXX. I want that inquiry removed. Also, that amount shown on my credit report of {$8700.00}, reported by Nicholas Financial, is incorrect and should also be removed from my credit. Nicholas Financial has passed off a insurance fee, which is not valid, as the policy was canceled at inception ( it never was in the insurance world ), yet they have charged me and demanded that I show proof of insurance to them! It's crazy. The issue is, there was never a policy so why am I being charged? Further, as per the insurance rep that I was directed to, the policy premium was refunded to Nicholas Financial in full. This is fraud! I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
re : stolen check from XXXX, forged and presented to XXXX XXXX XXXXXXXX. illegally cleared personal account by Wells Fargo.-not properly endorsed. 

On XX/XX/XXXX or XX/XX/XXXX, a check that was written to our mortgage processing company and placed in the XXXX XXXX, Ca at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The check was stolen from the post office and a signature was forged. The check was then presented to a XXXX XXXX XXXXXXXX XXXX one is unknown as that information is not released to me. It was either cashed or deposited by XXXX and then cleared by Wells Fargo Bank at which point the funds were withdrawn from my account. This happened XX/XX/XXXX. 

We were notified XX/XX/XXXX that the mortgage company never received the check. We immediately filed a complaint with Wells Fargo and closed the compromised account. We then began the process of filing paperwork to go forward with reimbursement. 

( We have also subsequently opened a Criminal case with the XXXX XXXX XXXX XXXX XXXX # XXXX and filed a report of fraud with the XXXX XXXX XXXX XXXX # XXXX. ) We still do not have our money. It has been XXXX weeks! All documentation I have read states that the funds should have been returned within XXXX business days after the claim. I have called the Occ ; the District Attorneys office ; The FTC and the legal team at XXXX... all to no avail. We were not involved in the chain of error. XXXX should not have accepted the check, and XXXX should have never cleared the check against our account. Again, it has been XXXX weeks! 

No information has been provided from XXXX XXXX XXXXXXXX concerning this. We have also not received and calls initiated from XXXX. The only follow-up we received has been due to my self initiated calling into the XXXX call center where I am informed that Wells Fargo sent the complaint over to XXXX XXXX XXXXXXXX and they are awaiting a response. 

I understand that XXXX and XXXX XXXX XXXX  need to work this out, yet they are holding my funds hostage. We were not in the chain of error here! We have suffered financial hardship due to this as the check was written for a large sum of money. The only thing we hear from XXXX is that IF XXXX reimburses them, then the will reimburse us. This is our money. Please help us get these funds returned to our 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 2022-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc.
State: TX

Complaint narrative:
So Hi my name is XXXX XXXX and Metro Collections SVC XXXX XXXX XXXX XXXXXXXX in XXXX XXXXXXXX just reported this XX/XX/XXXX XXXX was way back in XXXX XXXXThe landlord and I had gotten into it and she callled the cops on me and there was a report made and the cops knew they were wasting their time talking to me about what she reported.So she kicked us out because she didnt like us and I didnt have money or know what to do so we just just let her kick us out to avoid further problems.And now shes put it on collections and is ruining my credit after she illegally kicked us out because she didnt like us.Im unsure of where to go about this but its messing up my credit and collections and its completely wrong and disrespectful after she illegally kicked us out that shes doing this to us.Im at a loss and dont know what to do PLEASE HELP ME!!!

Company response to consumer: Closed with explanation