vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 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: NJ

Complaint narrative:
I received an email on XX/XX/XXXX that stated that my XXXX account had been charged {$490.00}. It said if this was not my charge to call a number, I did this. They stated that they were from XXXX and needed my information to refund me the money. I gave them my Wells Fargo username and password. They accessed my account, transferred {$10000.00} from my Wells Fargo Credit Card to my Wells Fargo checking account, and wired that full amount from my account. They then attempted to transfer another {$4700.00} from my checking and savings account. At this point Wells Fargo called me and I told them that this was not me, they stopped the second transfer. I immediately went to the local branch and closed all my accounts. The manager stated that it would take 10 days and I would be reimbursed the initial {$10000.00} transfer. On XX/XX/XXXX, I received a letter from Wells Fargo stating that they were unable to recover the initial {$10000.00} transfer and there was nothing else that they could do. They closed the claim. I called and they stated that my only recourse to recoup this amount was to file a police report with the local police department.

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I was a victim of identity theft, someone used my information to make a purchase on a XXXX XXXX  account that I dont own

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CA

Complaint narrative:
I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
On XX/XX/2021 at approximately XXXX XXXX  PST, I received a call from a collections person stating that it was an attempt to collect a debt. She said my account was 13 days past due and I disagreed because I made two payments and canceled the second one. 

After asking questions I found out that TD Bank ( XXXX  ) had canceled my first payment set up on XX/XX/XXXX because I had two payments for the same month making it appear that I hadn't made a payment. 

They later told me that I didn't have to pay the {$29.00} late fee but it would be taken off at the end of the payback time. This is a tactic often used by banks attempting to leave on the additional fees without the consumer noticing it. When they set up the account back in XXXX I also noticed that they added on additional money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/2021 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

6. BMW FIN SVC Account Number : XXXX  Please remove it from my credit report.

7. XXXX  XXXX  XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

8. XXXX  Account Number : XXXX  Please remove it from my credit report.

9. XXXX  XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

10. XXXX XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

11. XXXX  XXXX XXXX Account Number : XXXX  Please remove it from my credit report.

Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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:
TransUnion is reporting an unverified Bankruptcy on my credit file. I have requested an investigation and a method of investigation and they refuse to rectify the information. They state that the info was verified and I provided proof that no court system verified the info. They state that XXXX verified the info and I provided a copy of my XXXX report with NO BANKRUPTCY listed. They are in violation of the FCRA for publishing unverified information 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 explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have had PoA for my parents IRA and stock accounts at Wells Fargo. Quarterly statements arrive to my address. Both parents have now passed on and I am executor for the estate. I called Wells Fargo XXXX to close the accounts and send checks to the estate. After one hour, and three different people in their Estate group, no one can find the accounts using the account numbers, names or SSNs. They say maybe the money has been turned over to the state. 
I have had the PoA, I review each quarterly statement including the one through XX/XX/2021. And just received a notice from them about transferring management of the accounts to another firm. 
Other than telling me to go to a branch office and talk with someone there, they have no answers for where the accounts or money are. 
Ive never encountered or heard of anything like thiswhat can be done? I have also alerted my lawyer for the estate about this situation. 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 explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
Your organization closed this response with the company responded. They responded with giving me a list of dates and amounts not addressing who, what or where.They list an account opened one year past with no activity until a year later whereas within one month there were transactions that were not in chronological order and all within one month amounting to {$2600.00} with no identity as to what was purchased. There is an email address that is not my email and a secondary email address that appears to belong to whoever opened this account. There are ARC activities with no account number or routing number that could identify the bank and individual. All activity occurred a year after the account was opened and was within one month. None of my original questions where addressed regarding this account. Now the two companies XXXX and SIMM Associates XXXX Inc have double their calls and insistance I pay an account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The consumer reporting agency, Experian, has furnished my consumer report without my authorization. And gained monetary benefit by selling my information to another consumer reporting Agency. This happened on XXXX XXXX. I attempted to contact experian multiple times concerning the issue and they keep telling me I have to take it up with XXXX  XXXX XXXX. Even though I never gave Experian Permission to furnish my report. I called XXXX  XXXX XXXX, and told them the same thing, I never gave you written consent to furnish my report. This same process has occurred with XXXX XXXX, on XXXX XXXX. Ive contacted both parties and still no resolution to this matter. Experian keeps telling me I have to contact the other party for them to delete it. And XXXX  XXXX XXXX XXXX XXXX XXXX tell me the same about Experian. It seems like they dont want to own up to violating my consumer right to privacy.

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 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have been trying to close out my forbearance with Mr Cooper for well over ( 2 ) two months with no success. I have made over a dozen attempts to settle my account with their company and every representative claims they are unsure what to do and that I would receive a call from upper management. I have yet to receive a call back!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I received a letter dated XX/XX/ application number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they are unable open an account in my name dated XX/XX/2021 and they needed further information I did not attempt to open an account didn't apply online or any other manner to open an 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 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
CREDIT COLLECTION SERVICES have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 6. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 7. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 8. Violated 15 USC 1692e ( 8 ) ; Communicating false information 9. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 10. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 11. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 12. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

13. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

14. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 15. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 16. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

17. Invasion of Individual and Family Privacy For an attempt to collect a debt in the amount of : {$200.00} {$18.00} {$97.00} {$45.00} {$430.00} {$38.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CA

Complaint narrative:
There is an account on my credit report that does not belong to me I have ID theft, I have written several letters to the collection agency and the bureaus and they have not removed this from my 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 2021-11-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate information has been reporting to my credit report. I recently pulled my reports and noticed that the account of XXXX ACCT # XXXX had been reporting incorrect information to my credit file. This means that the account has not been correctly verified which should cause in deletion. I have attached a copy of the file and it shows the inaccuracies to the different bureaus reported. Date opened is inaccurate between the bureause, last reported, date last active, date of last payment, as well as payment history. The account shows reported as CO in XXXX to experian ok for six straight months to XXXX after being reported as charged off to Experian. It also shows 30 days late to to Experian for free months of XXXX and XXXX and ok to XXXX for those same months. It reported as 30 days late, 60 days late and 90 days and 120 days late for the months of XXXX through XXXX to my experian account but reported as ok for the same months to my XXXX report. The innacuracy between the bureaus reporting should cause in a deletion of the account from my file

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
There are two credit inquiries from Bank of America. I receive alerts when there is ANY activity, good or bad. This happened today, XXXX, around XXXX XXXX. I do not have a Bank of America banking account, or credit cards, or have anything to do with Bank of America. 

Also today, I received an email from Bank of America asking me to confirm a request to update my email address. I called Bank of America fraud dept and they said that there was an account opened under my name and then closed. 

I'm afraid that my social security number has been compromised.

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 2021-11-02 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: IL

Complaint narrative:
XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX PA XXXX XXXX Transunion, Recently I received a copy of my credit report and found several incorrect accounts. I am certain that these inaacuracies are adversely affecting my credit scores and costing me severe damages to my finances every year. 

Here are the accounts that I want verified as accurate XXXX XXXX ACCOUNTS FROM XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AUTO XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear and I demand these accounts be removed from all current and future credit reports. 

Also please send me the contact information of any individuals and or organizations you reached out to so I can follow up with them directly. 

I shall assume that 30 days constitutes reasonable time for your company to investigate these accounts. 

I believe that under Section 611 it is clear that your failure to investigate these accounts within 30 days constitutes a reason to promptly permanently remove those items 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 2021-11-02 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: TX

Complaint narrative:
Account of XXXX  acct # XXXX reporting to my credit reports inaccurately to the three major bureaus. You will see that the past due amounts are different, last reported dates, as well as date last active and date of last payment. Because this information is being reported differently from to each bureau this means that the account has not been properly verified and should be caused for permanent deletion from my credit file. I have provided a copy of how the company reported inaccurate information to my credit file.

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 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I was a customer of BBVA which was acquired by PNC. At the time, I had five business accounts and two personal accounts. Listed below are the issues that I have experienced since XX/XX/XXXX as well as continue to experience due to the acquisition/conversion issues. 

1. Bill payments missing - still an issue 2 Not able to access some of my accounts- resolved after over a week for one of my accounts 3. Personal accounts and business mixed up - resolved after over a week 4. Bill payments being made that I can't see of confirm if they are going to being made - ongoing issue 5. Payments being made without my permission for a line of credit that was paid well before its due date and for more than the required payment - ongoing issue 6. Lack of initial response to my issues and ongoing poor service 7. Not being able to confirm if my employees would be able to get paid because of the issues. 

All in all, this was the worse banking experience ever. It is beyond my comprehension that PNC could have done this so poorly while putting customers money and businesses at risk. I believe that PNC should not be allowed to do any future acquisitions and should incur major financial penalties for this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
There is an account on my credit report that does not belong to me I have ID theft, I have written several letters to the collection agency and the bureaus and they have not removed this from my 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 2021-11-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On credit report it shows that the company put a negative mark saying that there was no payment for XX/XX/2021. Which is now resulting in a lower credit score. Did pay that month. Have letter from company that they did receive the payment.

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