vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received an email from Wells Fargo confirming that I made an appointment in another state to open a bank account. Wells Fargo also sent a confirming text message. However, I never made such an appointment or attempted to open a new account. I contacted Wells Fargo and after verifying some information they said it was a phishing email. However, the local branch confirmed that such an appointment was in fact made. In addition, I tested this by creating an appointment through Wells Fargos website and received an email and text from Wells Fargo from the same number indicating I made an appointment. I do not know why an account is being opened without my permission, who attempted to open such an account, and why Wells Fargo improperly informed me that the email addresses were not legitimate email addresses.

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 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/22 I mobile deposited a insurance check from XXXX XXXX XXXX was told there would be a XXXX day hold on a check after XXXX days I received a letter saying it would be a XXXX day hold on a check they froze all my accounts even the money that was in the checking account before the holes were placed on this check I cant get any answers from PNC. No one retires my phone calls and my account is still frozen after 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I RECENTLY VIEW MY CREDIT REPORT AND NOTICE A UNAUTHORIZED INQUIRY IN MY CREDIT REPORT MADE BY XXXX XXXX XXXX

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 2022-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Made a purchase several months ago at Old Navy for {$55.00}. I received a bill after the due date last month. I payed {$230.00} the amount in full. This month I receive another bill after the due date with late charges of {$48.00}. Don't know if I can ever stop this company for sending me a bill after the due date and charging me late fees. The problem from this fraud is I purchase {$55.00} in goods and have paid total of XXXX dollars and still owe {$48.00}. Take the XXXX dollars and send my money back to me. The company is From XXXX  rewards XXXX. Perfect scam to take people 's money.

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 2022-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: KEYCORP
State: SC

Complaint narrative:
On XX/XX/XXXX, I attempted to pay KeyBank in my member portal for {$290.00}. When I submitted the information to their system. An error message came up that says wait 5 minutes and try again. So I stayed on the site and tried to make the payment after the wait when I went to make the payment this time. I entered {$300.00}, and the same thing happen. The system told me to wait five minutes and try again. On the third attempt, I waited a little more than 5 minutes and tried to make a payment for {$300.00}. The same thing happened for the third time. 
On XX/XX/XXXXh, I got three emails saying thank you for your payment for three separate payments. So I immediately contacted the Lender on Monday and explain what had happened and what the message said. The lady on the phone said that they would refund the money and could not explain why it gave that error but could see three separate payments.

On the 21st, my bank charged me an overdraft fee, so I contacted the bank again and said I don't have the money back in my account, and now I have a fee. The person on the phone said we are giving you the money back, but we won't pay the fee. These people are liars, and the issue was within their system, not from me overdrawing my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Liquidation Services Inc.
State: IL

Complaint narrative:
They call back to back XXXX XXXX XXXX XXXX XXXX XXXX asking for someone else. I told them that the person youre asking for I dont know and its not me. They ask for some woman. But they call over and over again all day. I have screen shots of the calls. 
They say they are from Welcome to Account Liquidation Services , Inc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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: Global Lending Services LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am not a credit doctor ; I am a natural human being, and a consumer who understands his rights in accordance with the Fair Credit Reporting Act, and the Fair Debt Collection Practice act. I am contacting you regarding Global Lending Services LLC, disputing inquiries they placed in my credit file that I am a victim of identity theft, and they were to block any fraudulent information they provide to the credit bureaus. In my correspondence with Global Lending Services LLC, my letter included my request for validation and deletion of the inquiries, and I enclosed sufficient proof of identity and relevant documents to verify who I am, and that I am a victim of identity theft. 
My initial letter sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022 and XXXX letter by U.SXXXX mail dated XX/XX/2022 which was my last letter to Global Lending Services LLC. 
I emailed them information XX/XX/2022, after speaking with XXXX of their representative on XX/XX/2022 ( XXXX ext. XXXX ), which was the last communication of any sort with Global Lending Services LLC. I received XXXX letters from Global Lending Services LLC, both dated XX/XX/2022, XXXX months later, which is well outside the time allotted to respond to consumer disputes according to the FCRA. 

Global Lending Services LLC has not provided any information I requested neither have they provided competent documentation bearing my signature, nor have they provided any relevant documentation. As a consumer Global Lending Services LLC is violating my rights, including but not limited to 15 USC 1681b ( c ) Fair Credit Reporting Act : Section602 ( A ) my Right to Privacy Section604 ( 2 ) Furnishing information Without Written Instruction Section 605 ( B ) Not Blocking Information on my credit report that is fraudulent Section 611 Not responding/ completing an investigation within 30 days Defamation Negligent Enablement of Identity Fraud Violation of Fair Credit Reporting Act Supporting documents related to this complaint are attached and uploaded to CFPB website as of the date of this communication. 

Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Cavalry Debt Collectors ( Cavalry SPV I , LLC ) www.cavps.com has been pursuing me for {$320.00} they claim I owe XXXX. I believe the whole bill stems from a miscalculation in XXXX that accrued over {$300.00} of interest charges, it was not any purchase I made. In any event, the charge off date was XX/XX/XXXX. 

They have been harassing me for years. I told the previous collection agency, XXXX, that this debt was not mine and I told Cavalry the same thing. They continue to write me and it is very upsetting. I am XXXX XXXX XXXX. I live on a small social security income and my husband passed away during XXXX. I have asked them to leave me alone but they will not. I dont know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, Best Buy states they delivered XXXX XXXX camera I purchased. I get home and there's no package there, it was stolen. I submitted a dispute through my Citi Best Buy card and also submitted a previous CFPB complaint. They state that they gave " Monetary relief '' on the transaction, but all they did was issue a temporary credit while they did their " Investigation '' - in which they DENIED my credit back even though the package was stolen and a police report was also filed. The fact that they go to these insane lengths to avoid providing a sensible resolution like they should is insane. The fact that they're still holding me accountable for a {$850.00} charge that was STOLEN is unacceptable.

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 2022-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Myself and my family members are receiving multiple robo calls from either an unknown number or from XXXX in regards to a case XXXX. After numerous calls, I called back and was referred to XXXX. This phone number does not appear to connect as a get a recording from XXXX that it is invalid. I called the XXXX number and they finally transferred me to XXXX XXXX XXXX. Ive spoken to XXXX at the firm and they are claiming to be collecting on a Chase credit card from XXXX. This debt was discharged in a XXXX in XXXX. I sent the XXXX paperwork to this firm over a month ago and they have started to call even more but not directly to me but my family looking for me even though they have my information. I have never received XXXX notice in the mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have submitted a request to remove XXXX XXXX from my credit report to Experian Credit Reporting due to this account being over 7 years old, and they have not removed it. I am being told I can only request removal once. Account opened on XX/XX/2015. I will upload supporting documents. I would like this account completely removed from all credit reporting agencies right away, and showing a updated on my. Credit report asap. Thank you for your time.

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 2022-12-22 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I received a collection mark on my XXXX credit file from Convergent Outsourcing for {$390.00}. I sent Convergent Outsourcing a debt verification letter via US mail. This letter requested documentation of proof of debt, a copy of the original written agreement between the parties signed by me, a bill of sale or any documentation proving I have a legal responsibility to Convergent Outsourcing. They were not able to provide such documentation. 

Convergent Outsourcing sent me a copy of what appears to be bill from XXXX. The did not provide me any documentation with my signature or proving I have a legal responsibility to Convergent Outsourcing. 

On XX/XX/22 I responded to Convergent Outsourcing that they did not provided sufficient proof of debt and to remove the collection from all credit reporting agencies or be in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Fraud and Defamation of Character. 

I opened a dispute on XXXX Credit Bureau regarding this collection, sharing all the information I requested and the legal requirements Convergent Outsourcing needed to provide for proof of debt ownership and validation. Since convergent is not able to provide the legal documentation, XXXX is required by law to remove the collection from my credit file. XXXX has not removed the collection 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 2022-12-22 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. The account below as violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a writing 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 antedate the report for XXXXXXXX XXXX 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Credit Card was fraudulent with wire 2 wire transfers totaling {$8300.00} and after speaking with Wells Fargo XXXX dept. more times than I can count, over two months period, they did reimburse half of it and then just a couple days ago... again after many frustrating communications where we informed them we were going to sue, they released the other half into our account. BUT before we ever received the first half amount, Wells Fargo shamed us into paying the card off, which I did. However, after numerous calls still waiting to be reimbursed for all the FEES that they charged on the card that we no longer have. 
We are in our mid XXXX 's and because of all this we almost lost our car and home due to Wells Fargo lack of professionalism. As soon as we have been reimbursed for the unnecessary CC fees, we are closing our account. We truly hope Wells Fargo will do the right thing and allow us a settlement for our pain and suffering. 

This all started back in XXXX through this XXXX. 

Thank you, XXXX XXXX

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 2022-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: CT

Complaint narrative:
I already paid XXXX on XX/XX/22 to QAR with my XXXX XXXX Conformation # XXXX ok

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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: PA

Complaint narrative:
Spark driving for XXXX with XXXX XXXX. My application has been submitted for almost 3 weeks. XXXX work has no customer service contact number. The place running my background check is waiting for my consent forms that i have already filled out. XXXX will not let me update or resend them. I can not get in contact with them. This my personal background report that I want done asap or delete my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Company unlawfully flagged account ( XXXX ) as unpaid, fraud as a result of their apps error. Account ( XXXX ) reflect all payments as well as communications on record held by the company as well as private recordings held by customer in support of these affirmations. 

Capital One stated and/or otherwise affirmed that they paid from their private account funds totaling {$340.00} including interests and fees. 

Capital One stated that customer has a balance of {$340.00} available in the account which customer authorized them to utilize in paying off and settling any monies that are due or that customer is responsibly for in the amount of said {$340.00}. 

Capital One is obstructing the customer from benefits agreed upon and from unmolested use of the card both depositing, withdrawing, and proper credit reporting. 

Capital One is threatening to falsify credit reporting documents as well as share credit reporting and sensitive information concerning customer without consent and authorization. 

Customer DOES NOT CONSENT to Capital One sharing any information to any persons or agencies including but not limited to Addresses, Signatures, Social Security Numbers, Account History, etc. 

If the customer has entered into any agreements with Capital One knowingly or unknowingly whereby these actions are deemed permissible, customer has formerly and does currently reserve all rights and moves for the rescission of the agreement between Capital One unless immediate remedy and recourse is attained. Such remedy is to include but not be limited to reopening of closed accounts or reissue of new account or account eligibility. 

Additionally, it is unlawful to be denied credit or for any creditor to discriminate against any applicant as it creates an adverse action pursuant to : Title 15 USC 1691 Chapter 41 Providing Scope of Prohibition ; 15 USC 1681 Providing Congressional findings and Statement of Purpose 15 USC 1611 Providing for the Criminal liability for willful and knowing violation 12 CFR 1002.4 Providing for Discrimination, Discouragement, and Scope of Rule concerning dealings between an applicant and creditor.

Additionally, the illegalities of finance charges and down payments are defined, established, and lawfully remedied in : Title 15 USC 1605 Providing for the Determination of finance charges ; 15 USC 1662 Providing for the Advertising of downpayments and installments ; 15 USC 1635 Providing for the Right of Recission as to certain transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I have had my mortgage since XXXX. In that time it has been transferred a few times to other mortgage servicers with no issue. I was notified on XX/XX/XXXX. XXXX that my mortgage company XXXX XXXXXXXX XXXX would be transferring my mortgage to XXXX and would be subserviced by XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. The transfer happened and I began being serviced by XXXX XXXX XXXX XXXX During the time of transfer I was on a Covid forbearance and I am still on a forbearance plan until XXXX of XXXX with my new servicer. I received a message two days ago from XXXX XXXX advising that my credit score was decreasing and there was a new inquiry. I have noticed since the transfer that my credit score has continually decreased and I could not figure out why. I checked XXXX XXXX and it shows that I have two mortgages. One with XXXX XXXXXXXX XXXX and one with XXXX XXXX XXXX XXXX  with balances of almost XXXX XXXX dollars. This is completely incorrect. I have one mortgage and because there are two showing up it has destroyed my credit score. My Fico score was at close to XXXX and is now showing on Transunion as XXXX and XXXX is showing XXXX which is very disconcerting to me. I work very hard to pay all of bills on time and this is ruining what I have worked so hard for. I want this corrected and for my credit to show that I have one mortgage.

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