vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SF VAGO, LLC
State: LA

Complaint narrative:
15 U.S. Code 1692g - Validation of debts,15 U.S. Code 1692b - Acquisition of location information,15 U.S. Code 1692b - Acquisition of location information,15 U.S. Code 1692e - False or misleading representations. 

ON XX/XX/22 I notice a letter in my private address this company EMVLP , LLC had no rights to my private address for one! after paying off my truck note this company EMVLP is now falsely accusing me of an alleged debt. i have no handwritten or electronic singe of nature. A signature copied or transferred is fraud! I didn't reach out to this company because i have no contract with them and i will not freely consent to offer up my private information that doesn't belong to this company. The audacity of these corporations to falsely XXXX allocations for debt with everything going on in the world today. I'm highly upset, and this emoting caused me a lot of distress and discomfort i had to seek medical car this treason for any living berating Man! Please fix this error this is affecting my life and credit score. Praise you so much in advance. 

ACCOUNT NUUBMER XXXX EMVLP , LLC XXXX XXXX XXXX XXXX WI XXXX sincerely yours XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: DC

Complaint narrative:
There are a number of poor business practices involved in this complaint - On XX/XX/XXXX I was charged two fraudulent charges from a gas station in XXXX XXXX ( not my charges, haven't been to XXXX XXXX in many years )- I call and report the fraud in XXXX, they say they are working on it and issue a new card number - Month or so later I receive a later saying the issue was solved - The company then continues to send me letters displaying the balance with the fraudulent charges ( {$240.00} ) - In late XXXX I call and confirm that there should NOT be a balance and request to close the account. They again say there is no balance and they are closing the account. 

- In XXXX, I get another letter referencing the balance. I call to make sure account is closed and there should be no balance. They say no balance and takes a month or so for the account to " reflect as closed '' - XX/XX/XXXX, I get another letter referencing the balance. I call XX/XX/XXXX. I talk to a gentleman at first who keeps saying " Sir '' and pretends to not be able to hear anything, then I'm transferred to an " Account Mgr. '' who isn't much better. She eventually says, that there is a balance but it is not collecting interest and that the investigation/dispute of the fraud is ongoing and that investigations are resolved in 30 to 90 days ( it was been 5 months at this point well over the time period ). I they have no idea when the investigation will complete. There is no way for me to contact the fraud department. I hold on the phone for XXXX  mins for a manger who never comes on the phone. I just want nothing to do with company and to close this account and never hear from them again. I have never had a fraudulent charge from any other company and when I close other accounts, it is done and I don't have to worry about it anymore. I have no idea what this offshore company is doing with my information. It's bad enough I was a victim of fraud, but there completely incompetent resolution process makes me incredibly nervous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: U.S. BANCORP
State: NC

Complaint narrative:
In accordance with the fair credit reporting act US Bank 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 : States a consumer reporting agency can not furnish an account without my written consent 15 USC 1666b- States a creditor may not treat a late payment on a credit card account under an open end consumer report as Late for any purpose

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 2022-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My wife and I hold a checking / investment account with Merrill Lynch. As part of their regulation process they are required to verify some details with account holders. Since I log in regularly it was fairly automatic for me. Since my wife does not they claim to have emailed her to ask her to update her account twice. We have not record of this email and Merrill refuses to provide evidence of it to us.

As a result Merrill proceeded to lock our account with no warning to myself, the other account holder, and no written communication ( such as a letter ), attempt to call in person, or text. This caused us to miss several bills that were paid out of that account, incur late fees and potentially may impact our credit.

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 2022-07-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: FL

Complaint narrative:
XX/XX/2022 I called Credit Karma to receive another refund they owe me. The 1st time I called the representative hung up on me. I called again & the Supervisor hung up on him when he saw that Credit Karma owes me {$76.00}. I received a credit on my account {$27.00} from XXXX which made my balance XXXX I spent {$2.00} which made my account XXXX The next day I received another XXXX for XXXX My account balance was XXXX Then I received unauthorized charges on my account for {$35.00}, {$7.00}, & {$19.00} which equals XXXX I was refunded XXXX They must have take the XXXX in my account for {$1.00}. 
Out of that balance {$64.00} I spent {$58.00} which left a balance of {$5.00}. So Im asking the Supervisor where is my XXXX He hung on me!!! Credit Karma needs to close there banking department.. They do not want to refund or listen to the consumer.. Theyre terrible!!!! I submitted my documents on how many times I called how long I stayed on the phone discussing my account just to get hung up on my a Supervisor. And I submitted my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I dont owe this amount my lease was up and I didnt renew it due to all the issues I had while living here such as windows seal shut a fire of the boiler a leak that cause a big hole in the laundry room that was never fixed I moved out and do not owe this amount NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$3300.00} Original Amount {$3300.00} Original Creditor XXXX XXXX XXXX ( XXXX ) Past Due {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hello! 

I sent a letter to the credit bureau over a month and a half ago on XX/XX/22 requesting an investigation on my XXXX XXXX and XXXX  XXXX XXXX accounts and have yet to recieve a response, mail or anything regarding these accounts in question. 

All I asked for was a validation of the debt ... a re-investigation! 

Please have them investigate these accounts or remove them from my credit report ASAP! 

Thank you!

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 2022-07-20 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
At the beginning of XX/XX/2022, my Wells Fargo checking account was hacked and {$2300.00} was withdrawn by the hacker to purchase cryptocurrency in my XXXX account they then withdrew. I reported this to Wells Fargo right away and Wells Fargo notified me that they had deposited the amount back to my account. The hacker then attempted to debit {$1000.00} and {$5000.00} from my account which Wells Fargo stated they did not pay. 

However, I later discovered that Wells Fargo then reversed the {$2300.00}, {$1000.00} and {$5000.00} from my XXXX account unbeknownst to me plus another {$1300.00} and {$49.00} for accounts not mine. Wells Fargo will only state that they credited my account {$2300.00}, not that they then took {$9600.00} from XXXX which XXXX then charged to me. 

Despite repeated letters to Wells Fargo, they totally dismissed my question about these reversals and provided no answer. They told me to ask XXXX. XXXX told me to ask Wells Fargo. Wells Fargo stated that they didn't have the authority to address accounts with other institutions nor provide specifics to a " third party ''. It is my Wells Fargo account and I am not a third party to my Wells Fargo account. The Wells Fargo representative stated that it was " regrettable that you [ I ] may have authorized transactions that ultimately related to a fraud scheme ... '', without any explanation of what that meant. T-Mobile ported my phone number to the hacker 's phone without my knowledge. I DID NOT AUTHORIZE ANYONE TO STEAL MY PHONE NUMBER AND MY IDENTITY. Very poor and dismissive treatment by Wells Fargo for a customer who has been with them through all of their iterations for many decades. Or anyone!

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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 I was selling some items for the amount of {$750.00} & {$150.00} and the buyers stated they sent a total of {$900.00} via XXXX. Shortly after, I received an email from XXXX stating that I had received funds and they were put on hold due to my account limits. The buyers stated they received the same email and sent over another {$900.00} per what the email advised. I received another email stating that I had to request an additional {$900.00} to upgrade my XXXX account and confirming I received the additional {$900.00} the buyers sent. I received another email from XXXX stating I had to return the funds due to the " buyers protection '' program established to protect the buyer. I called Wells Fargo before I sent over funds and the customer service rep stated he was not sure what to do and said if XXXX emailed you it should be fine. The scammers impersonated XXXX and scammed me out of {$900.00} and now Wells Fargo does not want to credit the funds back even though I provided the email records where they impersonated XXXX. I think it's ridiculous that Wells Fargo does not advise their customer of the recent scam tactics being used. Such a big corporation and they do nothing to protect the consumer. 

Claim # XXXX - {$750.00} Claim # XXXX - {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I entered into a mortgage forbearance program during the pandemic in XX/XX/XXXX and upon exiting forbearance in XXXX it was my understanding that the missed payments would be deferred and added to the end of the loan. I took this to mean the whole payment amount, however, Wells Fargo has increased my monthly mortgage payments by {$250.00}. This additional amount is to catch up the missed escrow payments over 60 months. I questioned Wells Fargo about this and was informed the it depended on what the investor for my loan decided to do about the missed escrow payments. My concern is this is not a fair and equitable treatment for all customs. This additional payment has the potential to cause a hardship when the expectation had been to resume the same payment as before the forbearance. Furthermore, my loan was current upon entering forbearance and has been since exiting so the only amounts of missed payments we are talking about occurred during the forbearance.

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 2022-07-20 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Regarding account number : XXXX GM Financial is currently reporting to XXXX, XXXX, and XXXX as Charge off. 
I called GM Financial on XX/XX/XXXX at XXXX at XXXX I spoke with a representative by the name of XXXX XXXX IDENTIFICATION NUMBER : XXXX ) to confirm the charge off status. The rep indeed confirmed that the account was in a charge off status. 
I am aware that Pursuant to 7 CFR 1956.54 the definition of a charge off is the writing off of a debt and the termination of collection activities without release of personal liability. 
According to this definition once a debt is deemed charged off then it must be written off with the IRS using form 1099C Once a debt is deemed charged off, then a copy of that filed 1099c must be sent to the consumer no later than XX/XX/XXXX of the following year. 
This account was officially charged off XXXX of XXXX therefore a copy of the 1099c that shouldve been filed with the IRS should have been sent to me, the consumer by XX/XX/XXXX. 
The rep XXXX confirmed no 1099c was ever sent to me, the consumer. 
If no 1099C was filed and no proof of the filed 1099c was sent to me, the consumer, then the reporting status of charge off is false and misleading representation and a violation of 15 USC 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I started an International wire transfer at the local Bank of America Branch. I transferred funds from my savings account to a company in XXXX XXXX ( XXXX ). 
-After about 10 days I asked and the XXXX company indicated that they did not received and money. The XXXX company contacted their bank and were told the funds were rejected/ returned by the bank because the XXXX company name was incorrect. 
-On XX/XX/XXXX the XXXX company contacted their bank and informed me that my funds were received on XX/XX/XXXX and returned/rejected on XX/XX/XXXX to Bank of America XXXX 
-On XX/XX/XXXX I spoke with Bank of America ( B/A ) 'Wire Transfer Customer Service ' and the rep. 
indicated that they would put a trace on the funds and was told to call back in about one week. 
-On XX/XX/XXXX I called B/A wire customer service again and the rep. said she would request the return of my funds. 
-As mentioned about on XX/XX/XXXX the XXXX company was told that the funds were returnded on XX/XX/XXXX. 
-On XX/XX/XXXX called B/A wire cust. service and gave this info to the telephone rep. who indicated to me on the phone that she would transfer the funds to my account. 
-As of XX/XX/XXXX no funds have been received. 
-I need your assistance since the wire customer service had known that my funds were returned on XX/XX/XXXX and was not informed or the funds were not credited to my 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 monetary relief