vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year> around XXXX pm unknowingly to me, an unknown XXXX party perpetrator watched me enter my cellphone password to open my phone. That third party perpetrator then stole my phone and transferred XXXX, ( presumably themselves ) {$1000.00} via XXXX. When I realized my phone was stolen I called Wells Fargo at XXXX ( I have record of the call log from my friends phone ). I spoke with an agent for XXXX minutes and they assured me no charges had gone through and they would shut down my account. On XX/XX/XXXX when I got my new phone, I was able to log into Wells Fargo. This didn't make sense because my account was supposed to be shut down. I immediately called Wells Fargo when I noticed a transaction of {$1000.00} via XXXX to XXXX. The reported having no evidence I called to shut down my account and thus it wasn't shut down. 

They have denied my fraud claim at least 3 times at this point stating I have not provided sufficient evidence of fraud. I have provided everything I can. If they would be willing to look into call logs and listen to my call from XX/XX/XXXX they would hear me reporting the fraud and subsequently being told no transactions/fraud had occured and they would shut down/put a hold on my account. If the agent would have done his job correctly none of this would have occured. As a consumer I did my part. Wells Fargo has not done theirs. 
I have been a Wells Fargo customer for 31 years. 

All of the below has been provided to Wells Fargo and I will add to attachments here : - I have attached the police report - I provided a picture of the call from my friends phone ( XXXX ) to wells fargo XXXX at XXXX reporting the theft that lasted XXXX minutes. 
XXXX provided a call log history that shows I didn't have access to my phone because it was stolen and last used the evening of XX/XX/XXXX before the theft and next used XX/XX/XXXX when it was replaced. 
-Email correspondence from Assurion insurance that my phone was reported stolen on XX/XX/XXXX and a new one was ordered. 
-Screen shots of the my old IMEI number and new one. Proving I had to buy a new phone. 
Sincerely, 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 monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: SmartCredit LLC
State: SC

Complaint narrative:
On XX/XX/year>, I initiated a request via the SmartCreditXXXX website, an online credit monitoring platform, for one of their products called a smart action. This particular smart action was for them to inquire about an interest rate reduction with a credit card holder. It was later discovered that they partnered with a third party company that may or may not provide services for debt management. Because of such, the creditor has locked my account until confirmation that I am not in business with them. There have been numerous attempts to resolve via this company and their 3rd party with no success as of XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: NY

Complaint narrative:
I close my first progress account but they still charge me late fees, I told them I wanted my account close and they waited until my account add up all these fees,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As per the guidance from the consumer financial Protection Bureau the documents needed are a picture ID, A BILL, and a letter from an advocacy group helping me due to XXXX  XXXX XXXX XXXX which falls under XXXX  according to XXXX  debt final rulee 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the FAIR CREDIT REPORTING ACT. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MS

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : DISCOVER BANK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Best Buy card was used on a purchase and I chose XXXX  months no interest. I was told after the XXXX  months the interest would start. Due to a Citi Bank policy change, Best Buy never knew about, after the time expired they charged me accrued interest and a fee totaling nearly {$700.00}. They also changed my monthly payment from {$110.00} to {$590.00}. 
I told them I was mislead on this and they said, " I should have read the terms. That's not their fault. '' So I cancelled that card and went to make my standard monthly payment. They have since called me XXXX times in the last XXXX days.

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 2024-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Deposit check at ATM funds placed on hold. 
Amount XXXX check from XXXX Hold time elapsed; went to withdraw funds. 
Was told they could not honer the check due to being 2 party ( was endorsed correctly ). 

Bank voided transaction ( despite already clearing XXXX account ) locked down account and initiated fraud investigation. 

Citi will not provide copy of check or provide any communication or access to funds

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 2024-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Spring Oak Capital LLC has not provided the consumer XXXX XXXX with any documents validating the debt to date after several request from Spring Oak Capital LLC by XXXX XXXX via USPS certified mail receipt. 15 US Code 1692g validation, verification of debt 5 parts. Spring Oak Capital LLC is in violation of the FCRA, specifically 15 US Code 1692 ( g ) disputed debts. Spring Oak Capital LLC is reporting a debt that has been disputed in addition Spring Oak Capital LLC has not met the requirements to verify these debts as it pertains to the FCRA. THIS IS A VIOLATION APPEARING ON MY CREDIT REPORT. THE CONSUMER XXXX XXXX HAS BEEN DAMAGED AS A RESULT. Spring Oak Capital LLC needs to pay for the violations appearing on the consumers credit report XXXX XXXX in addition to PAY FOR DAMAGES TO THE CONSUMER!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Wallace Management Company, LLC
State: MO

Complaint narrative:
To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( Empire finance of AR XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
My information was fraudulenty used for different assets I have inquires I didnt personally request for. I need help removing these inquires it is affecting my score tremendously and it is very frustrating.

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 2024-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after investigation. I would like these items immediately re-investigated and for good cause. XXXX XXXX  XXXX Account # XXXX These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. XXXX. The date you contacted the individual funishers of information. XXXX. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Also, this is a violation of HIPAA. This company also didnt provide me a HIPAA release that release my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
EQUIFAX IS REPORTING XXXX XXXX with a balance of {$600.00} and available credit. This acct is a charge off with a {$0.00} balance. This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standard. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: GA

Complaint narrative:
The auto debt was with a company called US Auto Sales which is the company I financed the vehicle through in XXXX however US Auto Sales went bankrupt in XXXX but did not make customers aware of the company going bankrupt. Out the blue I received an email from this company Westlake Portfolio Management around XX/XX/XXXX but Ive never signed a contract with the company and feel like they have lied and scammed to receive payment, however Ive never received proof this is my debt which includes a signed contract. Since I was not aware I could dispute this collection I made multiple payments because of credit reasons. They have also continuously harassed and called multiple times. Recently I encountered being in XXXX  XXXX  times in XX/XX/XXXX and the company knew because I called multiple times. Westlake lied on multiple occasions and said the calls didnt state I was in XXXX  but its a lie. Also they made me pay out my XXXX {$140.00} and claimed they were going to get me approved for a deferment but it has never happened. I also have sent a debt validation letter on XX/XX/XXXX and Westlake has not responded. I also feel like theyve scammed me on payments and feel they are crooks whove taken advantage of consumers. Id like further investigation and would like further action to be taken. I have also now disputed this debt on the credit websites because theyve never produced any signed contracts or documents validating this is my debt and they are the original creditor. Ive never given Westlake Portfolio Management any authorization to obtain this debt from the original creditor US Auto Sales so Id like further instructions on my options to also handle this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I DIDN'T PROVIDE IDENTIFICATION ARE PROOF OF RESIDENCE IN PREVIOUS COMPLAINTS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I DIDN'T PROVIDE IDENTIFICATION ARE PROOF OF RESIDENCE IN PREVIOUS COMPLAINTS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I received a letter from Ability Recovery Services on XX/XX/year> stating they are trying to collect for a debt to XXXX XXXX XXXX for the amount of {$580.00}. I contacted XXXX XXXX that is part of XXXX XXXX XXXX, and was told there is a XXXX balance that all bill were paid. I then requested proof of payment in which I included and sent back to Ability Recovery. I then received another letter on XX/XX/year>, so I called and asked to speak with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as per the directions on the letter. I spoke to XXXX, who refused to let me talk to XXXX, I them obtained permission to record our phone conversation. I advised her that the there is no monies owed, she looked in her computer and said that XXXX XXXX is a different eternity than XXXX XXXX... which in fact is not true, they are XXXX in the same. I then asked XXXX to prove what debt I owe, which she could not and kept saying that XXXX and XXXX XXXX are not the same. When you google them it is the same, and I told her that it is her job to prove that they have a valid debt. She became belligerent. Neither of the invoices I have from the date and place of the incident match up with the amount they are supposedly trying to collect either. Now they placed a collection on all three credit bureaus for {$2500.00} which does not match their original letter or any of my invoices from 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