vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To Whom It Concerns : Im writing this message because I was the victim of fraud and identity thief. I recently banked with WellsFargo since they bought XXXX. I had multiple checking and saving account with WellsFargo along with a Credit Card. 

I had thousands of dollars in my account which WellsFargo choose to charge me service fees and other fees which they did not have prior authorization. My account XXXX  out and they began to charge my credit card when they did not have prior authorization receive written nor verbal authorization from me to do so. 

I called in many times before to have WellsFargo stop their fraudulent activity but they never did. I got a letter in the mail stating I own them {$710.00} of the which {$300.00} is due and the past due amount is {$240.00} I called them again and I spoke to an agent by the name of XXXX XXXX who listened and then had conference his supervisor by the name of XXXX XXXX. He then had to further transfer me to another department, the executive team. When the agent came on the phone she did not want to properly identify herself, she gave me the name of XXXX I and did not want to give me her full last name which she stated it was against company policy, she ended up giving me her employee ID but when she repeated it the number was inconsistent, but then the other two gentlemen gave me their last names without an issue. I asked XXXX to get someone else on the line since I was not comfortable speaking to someone I who does not identify themselves correctly. XXXX then calls back the executive team. He was able to bring over XXXX but she said that it was against policy to give out her last name and employee ID. 
There were too many inconsistencies when trying to resolved this issue with WellsFargo. 

This has adversely affected me in ways beyond conceivable. 

I'm not able to apply to for a house in the good areas that I need to. 

I am unable to buy the necessary car that I need. 

This has stressed me out thinking of what the other companies would do. 

As of today XX/XX/XXXX  WellsFargo has effected my credit and have taken all the funds in my bank 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 non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
The lady said they usually require 10 % down and a 2-year payment plan with a balloon at the end. But it didn't seem like she was 100 % sure of this and they never sent me anything in writing. Below is my full story. Feel free to publish this information. 


I lost my job in XXXX of XXXX and couldnt make payments on either my first ( XXXX ) or second mortgage ( XXXX  XXXX XXXXI think ) for almost 2 years. I finally went back to work in XXXX of XXXX. After 3 months back to work I started the mortgage modification ( XX/XX/XXXX ) process on my first loan. And they put my mortgage arrearages on the back of the loan and I havent missed a payment since. At the same time, I tried to do the same thing with my 2nd mortgage company. But they refused to negotiate with me about putting the arrearages on the back of the loan and wanted an unusually large amount from me which I didnt have. Fast forward 12 years and they sent me a letter delivered by the sheriffs office saying they are going to foreclose on my home. This 2nd mortgage started out around $ XXXX and has now ballooned to {$150.00} because of all the interest theyve tacked on. Are they required to work with me? I feel that if theyve waited 12 years to start this process, they should give me the same amount of time to repay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX  I sent {$570.00} through CashApp to a user $ XXXX who was posing as a car part dealer. After sending the money the person acted like he was at the shipping company and needed an additional {$200.00} for shipping. As soon as this happened, I realized the guy 's store front was a sham and that he was a scammer. I immediately asked him for my {$570.00} back " because I couldn't afford an additional {$200.00} for shipping '', ( but in reality, it was because I caught on to what was happening ). The person refused so I went on CashApp and reported the profile as a scam profile. In doing so the CashApp system automatically sends a refund request to the user I reported. 

This is where my problem with CashApp starts, after four times of contacting support they refused to look into the fraud issue basically stating that it was my fault for not sending money to a known or trusted individual. They just kept repeating that there is nothing they can do since the transaction has been completed and that I could try to request a refund from the individual. Thats right, on four separate occasions I got the very obviously scripted response of " ask the user for a refund '', three times after explaining that I had already requested it and the user who scammed me basically told me " good luck on getting your refund '', and once after waiting until the scammer actually refused my refund. 

They are trying to operate under a loophole that says if you knowingly sent money to someone then it's not an unauthorized transaction and refuse to investigate, oh unless you are a law-enforcement agency. 

Here 's my take on their current policies. 

1. If you are acting as a financial institution, you must offer some sort of consumer protections, otherwise you shouldn't have the right to handle my money.

2. You shouldn't require wasting already strained local law-enforcement resources to investigate a fraud committed on your platform that you enable by doing nothing about.

3. Being lied to, manipulated, or coerced, IS an unauthorized transaction, period, full stop, they both end in the same result, money stolen.

4. Like stated earlier, by willfully refusing to investigate fraud, scams, unauthorized transactions, or any other crime, you are enabling ; you are offering a platform for these criminals to engage in financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX  I received an email from XXXX XXXX at " XXXX XXXX XXXX, a debt collector '', stating they are trying to collect a debt that I owe to LVNV Funding, LLC. 
The original creditor is listed as XXXX XXXX  with account number ending in XXXX, and it said I owe {$2300.00} from XXXX, XXXX. I responded to the email advising her I do not recognize the debt and that I was disupting it, and asked for PROOF/verification to be mailed to me in support of their allegations that I owe XXXX XXXX  this amount they are claiming. On XX/XX/XXXXXXXX   I received a letter dated XX/XX/XXXXXXXX  from " Resurgent Capital Services '' on behalf of current owner LVNV Funding, listing XXXX XXXX  as the original creditor. The letter does not indicate what type of an account this allegedly is ; it simply lists XXXX XXXX  as original creditor, origination date of XX/XX/XXXX, chargeoff date of XX/XX/XXXX ; and that they acquired the account on XX/XX/XXXX. First, this loan originated TWENTY ( 20 ) years ago. AT NO TIME between today 's date and origination date of XX/XX/XXXXXXXX  have I ever received any written correspondence nor any collection notices from XXXX XXXX. The letter from Resurgent Capital Services includes a Texas disclaimer stating due to the age of this debt, they can not sue me nor report it to any credit reporting agency. Despite my request, they have failed to provide any copies of original loan documents, or anything with my signature on it verifying that I willingly agreed to borrow any money from XXXX XXXX  20 years ago. As Texas prohibits them from suing me or negatively reporting to the credit bureaus for this debt due to its age, they can not continue to harass me and pursue me for this debt, so I question why they are still allowed to contact me when they legally can not continue pursing me for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting 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: SC

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.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
This occurred in the year of XXXX, when a pre approval came to my po box XXXX XXXX Texas XXXX or XXXX XXXX XXXX XXXX Arkansas XXXX it was from Prosper Marketplace or Prosper.When I called the number to see was it legit in this matter the representative stated at the time it was, so I proceed to see what was this about, so when it occurred it would not take my SSN for the process of this matter to proceed.What the representative did to proceed in this matter I have no ideal, all I know it would not take my SSN at that time, somehow how anyone got off into my account I do not know in this matter.After 10 months of learning in this matter I filed a police report XXXX, Federal Trade Commission Report XXXX, and an IC3.gov complaint as well.This occurred in XXXX XXXX and the reported in XXXX of XXXX after learning that there was no loan in my name by there verification department on or about XXXX XXXXMy identity was changed in the year of XXXX while I worked for the well known company after being laid off for a week.I will not be held accountable for anyone who went into my account without my permission or will I be responsible for anyone I did not give permission to go into my account when all of this occurred to change anything about me..Now after 5 years here come this unknown source Spring Oaks Capital trying to collect a debt from XXXX XXXX XXXX XXXX XXXX the account was not with the XXXX XXXX XXXX XXXX  at that time.It was associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.I have no affiliation with XXXX XXXX XXXX  according to the documents they receive this information on XX/XX/XXXX after filing police report, federal trade commission report , and IC3.gov report.This has been an overwhelming process for the last 6 years trying to fight for my identity to keep my name clear of any illegal matters as well as both my daughters in this horrible tragedy.When this also occurred my daughter was on my account.I have been fighting for my identity since XXXX XXXX, when my identity was changed on a job at that time.My name has been put on several documents where I have not received any documents where I physically signed my name to any documents from any source of entity.On this day of XXXX XXXX the validity of the amount was disputed before XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SLM CORPORATION
State: PA

Complaint narrative:
6 Hard Inquiries that I did not apply for : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Sallie Mae XXXX XXXX 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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
6 Hard Inquiries that I did not apply for : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Target XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I received a collection from TSI regarding an account with XXXX opened in my name with all my information. I have sent what the collection company requested to dispute this debt. I will contact XXXX as well. I am not responsible for the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I'm not liable for the debt with midland credit management. I do not have a contract with midland credit management. They did not provide me with a original contract concerning this debt. They also have not contacted me via phone call or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In working with Freedom Debt Relief I was able to obtain a settlement for my Discount Tire/Synchrony Car Care account on XX/XX/. The total owed was {$680.00}, but was settled for {$410.00} to be paid in three payments. The 1st payment due by XX/XX/ for {$130.00}, the 2nd due by XX/XX/XXXX  for {$130.00}, and lastly the 3rd due by XX/XX/XXXX  for {$130.00}. All three payments were sent in and cashed by XXXX. I continue to receive emails and texts messages from them saying I still owe {$210.00} on this account. When I called on XX/XX/XXXX  and I was told that on XXXX they only received a {$30.00} check and that is why my settlement was forfeited and I owe. I explained I have copies of the checks showing they were for the correct amount and endorsed on the back by Synchrony, the representative told me the best I could do was to dispute it. I was transferred to disputes where I provided all documentation showing my account was paid in full and the checks were mailed earlier than the due day. The dispute was submitted, but when I asked if there was a reference number, a case number, an email to be sent, or even a confirmation phone call the representative told me no. I have tired everything to resolve this as this account should be settled, but synchrony is taking advantage of me in a desperate time and continuing to report a balance owed 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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOUTHSTATE BANK CORPORATION
State: AL

Complaint narrative:
1 ) In XX/XX/XXXX I saw my XXXX  score drop from XXXX to XXXX. 

2 ) Called XXXX in XX/XX/XXXX and started dispute and gave paperwork showing account was paid in full. Later XXXX rejected my dispute as my paid in full letter was XXXX and to old. 

3 ) Contacted SouthState bank on same date in XXXX and made appointment to meet with them. I met with XXXX XXXX at the bank, he said he corrected the account to reflect paid in full, never delinquent and closed. He said it would be sent to XXXX the following week. Its been more then a month and still not corrected. 

4 ) Ive been checking online my XXXX trade line and it still shows a {$50.00} balance, past due, 4 late payments in XXXX and still open. It was closed in XXXX as it needed to be as I sold the home in XX/XX/XXXX. 

5 ) I believe SouthState never closed the account in XXXX and began billing me {$50.00} for the annual fee in XXXX on an account that was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
THIS ACCOUNT IS NOT MINE *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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