vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX last 4 ss # XXXX After filling complaint with XXXX XXXX reporting agencies Wells Fargo and XXXX XXXX continually report fraudulent opened accounts affecting me from opening accounts on my own without them verifying my identity and hard copies of any application with any signatures matching signatures on my Dl 's XXXX XXXX contended that the account was opened online but the address that's on file is a commercial property with businesses I never lived in a commercial property or owned one either. Wells Fargo act as if I'm the one wrong by calling me and drilling me like I did something wrong. But the truth is someone stole my identity hacked my phone number, email address and applied for car loans while I was working over the road and I would help in any way I can to find out who's doing this because it's a ongoing problem everyday I get a email saying my social security number is being used while I'm thousands of miles away from Florida. So if their not willing to fix this I will challenge them on Court got fraud, defermation of character and opening up fraudulent accounts in my name.

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 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I have been receiving emails from a company called True Accord stating I owe a debt and need to pay it. The emails started XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I opened an account with M & T bank on XX/XX/XXXX online and walked into the bank to make a cash deposit of XXXX the same business day. At no point was I provided written or electronic notice that a hold was being placed on my account, or that I needed to provide verification until I came into the bank on XX/XX/XXXX to withdraw funds from the account and was told I could not and was not given an actual hold release date. I provided M & T with a copy of my government issued ID, my social security number, and a utility bill with my name and address and the branch manager copied and kept a physical copy of my personal information after it was submitted to the bank for verification. I called and spoke to several representatives and was given a different story with every representative. They explained that my mailing address was different from my home address, even though I used my home address to open the account. The instructed me to change my address online ( something that can not be done, you are only allowed to change your address in a branch ), and to resubmit the same information that I submitted only hours earlier. I went back to the branch and they could not give me a clear date for availability of funds, just that the verification process takes a couple hours to 24hrs to complete ( depending on who you talk to ). He still had copies of my social security card and ID hours after it had been submitted for verification and had not destroyed my personal information. They in fact made two copies of my ID and SS card and handed one copy to me as if they were providing me with the copy they made. I wasnt aware that there was a second copy until I went back to the bank to change my address and the branch manager said that he had my information on a fax machine and could send it over again as a courtesy. It has been 4 days and I still have not received correspondence from M & T about the original hold, nor any update to my account. I called within 24 hours and the hold was still on 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 explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Davis, Pickren, Seydel & Sneed, LLP
State: CA

Complaint narrative:
In XXXX I left employment with Platinum Roofing and resigned as CEO. In early XXXX and again in late XXXX XXXX XXXX dba XXXX XXXX XXXX was notified that I had separated from XXXX XXXX and was not responsible for their debts as of the end of XXXX. I was repeatedly told by XXXX XXXX XXXX of Davis , Pickren , Seydel & Sneed , LLP that XXXX XXXX dba XXXX XXXX XXXX was going to file suit. On XX/XX/XXXX I received notice of suit for debt in the amount of {$310000.00} naming myself as responsible and a personal guarantor even though XXXX XXXX, the law firm of Pickren , Seydel & Sneed, LLP and XXXX XXXX dba XXXX XXXX XXXX had been clearly notified multiple times of my removal from all debt and guarantees from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: World Acceptance Corporation
State: GA

Complaint narrative:
The creditor World Finance I ask them to remove this from my credit report because in the State of Georgia the status of limitations is six years and the creditor can not collect on a debt.Plus my balance was {$110.00} and it goes to {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The creditor XXXX XXXX I ask them to remove this from my credit report because in the State of Georgia the status of limitations is six years and the creditor can not collect on a debt.Plus my balance was {$110.00} and it goes to {$200.00}.

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 2020-01-21 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: MT

Complaint narrative:
I had a fradulent credit card opened in my name back in XX/XX/XXXX. I saw this when I pulled credit report. I immediately reached out to XXXX XXXX cc and asked them to close the account. I contacted all three bureau and supplied them with fraud affidavit, law enforcement report, proof of identity and letter of explanation. XXXX and XXXX responded emediatly and blocked the information. 
Equifax, has been a completely different situation. I faxed them all the supporting documents for this claim ( same ones I sent to other bureus ). I have had zero effort put into this from Equifax. The first one submitted was returned as no account found. The second time submitted, They targeted my auto loan through XXXX XXXX auto services and this time, they have lost documents and or say, they didn't get them. I have refaxed them several times. 
On XX/XX/XXXX I faxed all documents and did a fallow up call two days later to make sure they received them. I was told I needed to resend them with correct account number on law identity theft report. I was told, once I got that to them It would be removed / blocked. 
I immediately redid my report and double checked account number to make sure it was correct one and sent information again. I was even told by Hand ( agent with speciality department ) that they were waiting for that and to make sure I noted on the cover page, account number for fraudulent card, name, phone number and note that this was a additional peice of documentation for block. I did all that and fallowed up a couple days later on XX/XX/XXXX to make sure they received them. I once again was assured that this item was being blocked but just had to wait the 4 - 7 days to be processed. 
I pulled my report on XX/XX/XXXX and seen it was still there!! So I called Equifax back and was told numerous things - it was blocked - to was being investigated ( even though it was varified as fraud by Equifax ) and had been investigated already. 
- I called back later that day and was told they didn't have updated affidavit with account number, even though I was told by previous 3 representatives, that they had it with AC number on it. 
- called back the next day after I researched my documents and fax receipts.I was then told they were going to block it but the proof of identity and affidavit were to dark and read able. 
Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: NY

Complaint narrative:
Addresses on my report where I never lived and accounts I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: NY

Complaint narrative:
Addresses on my report where I never lived and accounts I never opened.

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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Addresses on my report where I never lived and accounts I never opened.

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 2020-01-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX 100 WORD REBUTTAL The request for what you sent me was asked by XXXX XXXX XXXX, not me. 
I have no file number I know of. 

Facts : I canceled my XXXX 3 month membership the night before it was to expire. 
XXXX automatically renews membership if cancelation is not made. 
I informed XXXX XXXX that I canceled membership and I wouldnt pay if XXXX   charged me, and was told not to worry they wouldnt pay. 
XXXX told XXXX XXXX that they didnt read the cancelation until after the renewal and charged my account. 
I checked my three month extension to see if it had been closed twice over the next two weeks without using it. It was still active. 
XXXX XXXX still paid XXXX and charged me. 
I checked my account in mid XXXX and it was closed. 
XXXX XXXX XXXX owns XXXX XXXX Credit card. 
XXXX did not close my account after I closed it. 
I was charged for a closed account by XXXX for three more months. 
I did not use the account and the account was closed before the end of one month. 
I paid {$74.00} to XXXX XXXX XXXX to clear my account in XX/XX/XXXX. 
XXXX XXXX XXXX said they would and it would be cleared 30 to 60 days from XX/XX/XXXX, one to two billing cycles. 
TransUnion. a credit check company : XXXX XXXX XXXX, XXXX, PA XXXX said my account went to charge off and wouldnt be cleared until XXXX. 

Yours faithfully,

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 2020-01-21 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: SLM CORPORATION
State: MN

Complaint narrative:
XXXX  has my Sallie Mae loan listed two times on my credit report. They have it listed as a paid charge off. They also have it listed as a collections. It is not in collections. It was sold to a different Company who agreed to delete their tradeline after it was paid.. It was paid and deleted however, now the Sallie Mae is listed in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
transunion is still showing my score as XXXX when it should be the same as XXXX  at XXXX. XXXX has allegedly corrected their error and removed the entry from all of the credit bureaus, but the correction still has not been made to tansunion.

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 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I spoke to this company and explained this was not my debt but they keep calling and saying my credit will be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
JP Morgan Chase has charged me over XXXX of overdraft fees this year. They have structured and held items to maximize the amount of the fees. I have had some family and health issues that have caused my account to dip this low but I still have a good direct deposit coming in every month. I pleaded either them for a third of the fees to be waived which would still leave them with approximately {$2000.00} in fees raked in on the year from my account. They would not waive a single fee for me which just plunges me deeper and deeper into the hole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I already spoke to this company and no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: MS

Complaint narrative:
Called people that was not on my contact list. I don't even know this person well enough to know their phone numbers and they told this person that I listed them as a reference. Then they told her to have me contact them. They also called my boyfriend that I also did not list on my contact list and told him to have me call them because my account was headed for legal status. That is something he did not need to know. If I wanted him to know all of my personal business I would tell him. That is why he was not on my contact list

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 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lyons, Doughty & Veldhuis, PC
State: OH

Complaint narrative:
The company, XXXX XXXX is seeking wage garnishment via a collection company by the name of lyons, doudy, and veldhuis for a debt that did not belong to me from 2006. At the time, I had just graduated highschool. I had spoken with them multiple times to advise that the debt did not belong to me. My identity was stolen by my step mother who is not deceased. I have tried everything to get these creditors to investigate the matter further, however they have not been willing to work with me. It is creating so many issues with my life and I am running out of options. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: FL

Complaint narrative:
I do not owe this debt I tried to contact thus company and problem still not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
On XX/XX/24 I received notification of a lawsuit for {$1000.00} in mail regarding a debt that is not mine. I contacted company aka lawyer four times since then and received only one mailing - after requesting proof of debt, this law firm mailed me fraudulent statements which I have responded to via fax 3 times. I have yet to receive anything about this lawsuit being dropped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2020, my credit card company notified me ( via text notification ) that my credit score had dropped. When I logged in I saw that XXXX  showed a hard credit inquiry from the same day for " WF Equipfinance msg ''. After trying to find out who that was and determine that it is Wells Fargo equipment financing in XXXX, I contacted them. After hours of being bounced around I finally spoke to someone who, quite frankly, acted like I was a pain in her side, as opposed to the other way around. I gave her my name, my social, my business EIN, address, etc. and NOTHING shows up from their end. She said there is no account, application, etc. I spoke with XXXX  and they won't do anything because they say that WF Equipfinance msg shows a legal right to pull the report. Both point fingers at each  other but there is no account, no application ; I have never applied for equipment financing through this company. I need this hard inquiry 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 non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
This complaint is regarding State Farm Visa Rewards credit card I've had the card a short time which I receive in XXXX first payment was due in XX/XX/2019 I downloaded the app in order to make my payments Made a payment on XX/XX/XXXX which was early which I do with every card I have On the application I opted into paperless I no longer have any mail I may check it once a month When I did receive my mail I seen that they did a reversal which you will see on a screenshot that I will provide as an attachment of {$30.00} and then they applied a {$25.00} return fee as soon as I received this letter I called the number in the letter which I will also attach but this will be one letter of two letters which is the most recent letter I received regarding the same issue as I said I called the number in the letter they went ahead and made an adjustment on the {$25.00} return fee due to the fact that they realize that there was an incorrect account number that they had assured me was corrected Same issue occurred on XX/XX/XXXX when I paid a {$35.00} payment early as you will see in the screenshot I will attach that was also reverse and a {$25.00} return fee attached to that and that is the issue I'm complaining about I contacted State Farm agents regarding this issue I spoke to several different agents no one was able to resolve the issue or assist me they didn't have the resources they had told me, to adjust the {$25.00} return fee but when in fact they were able to do that in XXXX as you see in the screenshot I requested a corporate number they informed me that it was against their policy to give out a corporate number but the agency was able to request that for me and send it to corporate that I would receive a phone call within 24 hours which I never received a call from corporate regarding the adjustment for a {$25.00} return fee Simply put my complaint is poor customer service not able to assist the customer properly to resolve an issue Giving false information regarding that an issue was resolved no corporate number for complaint department available that the customer can find easily No email sent regarding the issue at hand, when many people today don't need to check their mailbox as many of us as I explained to them does everything online text or email

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion has my XXXX XXXX loan listed two times on my credit report. They have it listed as a paid charge off. They also have it listed as a collections. It is not in collections. It was sold to a different Company who agreed to delete their tradeline after it was paid.. It was paid and deleted however, now the XXXX XXXX is listed in collections.

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