vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 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: NJ

Complaint narrative:
The problem I'm having is I've contacted Equifax ( via ) phone conversation, letters and through XXXX which is a secured link they sent to me to upload additional information. On XX/XX/2022 I mailed a dispute letter to Equifax asking them to validate the inaccurate items, by producing the original signed contract from all data furnishers and to show the process they take to complete their investigation. I also asked that they not validate any items electronically an addition, I requested that if they didnt verify these items they needed to be deleted immediately, by the rules/ laws mandated by the ( FTC ). The items were things like accounts and inquiries. This is a clear violation of the ( FCRA ) because all items must be validated by the original data furnisher. On XX/XX/2022 I received the results back from Equifax in which they claimed to have verified all of the items I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Hello, I am XXXX XXXX. My husband and I owned a home in Maryland and the loan was serviced by Ocwen loan servicing. 
Ocwen is represented by the law firm XXXX XXXX. I have a XXXX and a proud mother to XXXX XXXX XXXX 

I reached out to the lawyer from XXXX XXXX to discuss issues as I did not want to communicate by email. I spoke to my representative at the XXXX XXXX XXXX and she offered to speak to XXXX XXXX on my behalf. 
I phoned the lawyer from XXXX XXXX and introduced myself. To my astonishment I am told I will not talk to you or any one from the XXXX XXXX Society unless they are a lawyer. I informed him she is not a lawyer well I dont need to keep talking and good luck to you and hung up the phone. I am deeply saddened and hurt to be treated by this lawyer this way. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
i have a loan with ally on a XXXX  and during covid time i was a little lat on my payment and they were trying to charge me late fee 's ..at that time by law no financial institute were allowed to charge fee 's!!! and when i called about the issue they were not cooperating and it got worse from that point on ... they kept trying to give me financial assistance Repeatedly!!! I asked for a manager that took me months to reach and was told it was going to be resolved it just got worse!!! so at this time i am in the market to buy a home and they are holding me XXXX giving a bad credit report .. now when i tried to really get this problem fixed i was put through ringer.. there were times that i was on the phone for hrs at a time and were being laughed at from foreign worker 's times when they would say to me we cant hear you and also they left me on the phone for hrs ... and at some point they would hang up on me... so in my complaint i requested all the phone recordings because every phone conversation was being recorded ... as of today they did not send me my REQUEST .. nor are they going to due so. at this point they keep sending my monthly statement late i never get my paper statement on time to pay so i am not late.. they want to pay electronically and i refused to for security reasons...

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 2023-01-08 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: TX

Complaint narrative:
Ive written Equifax, XXXX, and XXXX about settlements I completed with proof and they still report the account. I wrote letters the entire XXXX. 

Collections have been added to my files when the agencies have not reached out to me or the medical bills are apart of a litigation. I submit disputes. No response or change to report has happened. It has been XXXX months since the medical bills have been added and were not my obligation XXXX of XXXX a collection was added to my accounts that I had no knowledge of. 

They continue to report negative items without verification. The agencies continue to report items that were settled and taken care. No matter how many disputes I submit. 

I paid my credit card down in XXXX and for over a month the credit agencies reported a wrong balance. 

I sent letter in XXXX clarifying my current address and name and information I wanted to be on the report and information that is outdated removed. Nothing has changed. 

My fair trade credit reporting rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was alerted that a bank account was opened in my name at Bank of America through an email. I currently have credit cards with Bank of America. When I called Bank of America to report that I never applied to open an account, the first person I talked to said I had to talk to a different department, but she couldn't transfer me. Her name was XXXX out of XXXX XXXX She gave me a different number to call. The next person I talked to said that because the account was opened today, she can't close it today, so it would take up to XXXX business days to close. I then said what am I supposed to do for 10 days? Clearly someone has stolen my information- there is a lot they can do in XXXX business days. She then told me that she couldn't help me further, and I needed to talk to the fraud department. She then transferred me to the fraud department. The woman there told me that because there had been no transactions yet, there is nothing she could do and I needed to talk to the checking department. I have gotten nothing but the run around from Bank of America. 

Additionally, it is baffling to me that in this day in age where I have to be texted pin numbers any time I breathe while banking with Bank of America that they would not have had something like that before they approved a new application under my name. I literally have no idea what steps I need to take now because bank of America refuses to help me when someone fraudulently opened an account 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 explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a citi bank account and after making a coupling of transactions I was blocked from using the account. Now when I call them Im being told that I need to have access to an old phone number that I no longer have and have not had for over a year now. The only other option Im giving is to wait on a letter but Ive been locked out of my account for over two weeks now and this is unacceptable. Its very strange that they would allow someone who has my old phone number access to all my banking information and personal details.

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 2023-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022 at approximately XXXX XXXX, I was contacted by phone from someone claiming to be from Wells Fargo Fraud Department. Caller ID showed Wells Fargo. I was asked to input a numerical code that was texted to me to confirm my identity. 

I inputted the code and after several minutes on the phone, there was suspicious interaction by the agent. After 30 minutes, I told them that I was going to the local branch to resolve the matter. 

After going to a local branch in Arizona, I was told there was suspicious activity on my savings account regarding a wire transfer to a XXXX XXXX account and that Wells Fargo would inform the bank to freeze any transactions. 

Apparently, it was not done and $ XXXX was removed from my savings account. 

After several attempts at resolving this via phone and in person contact, nothing has been done on the part of Wells Fargo to restore my 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 2023-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/2022 I've sent Midland Credit Management a proof of validation through the cfpb and through mail. XXXX has failed to show and provide me validation of this alleged debt. Stating that they followed FDCPA guidelines and laws. They have directly broken the law under 15 U.S.C 1692G ( 4 ) ,15 U.S.C 1692G ( 5 ) and 15 U.S.C 1692C ( A ) which are XXXX per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX and XXXX Compliance Deficiencies and FCRA willful violations by Experian and XXXX XXXX require permanent deletion of my closed accounts. Despite my clear disputes for repeated willful FCRA violations about XXXX XXXX non compliance, Experian and XXXX XXXX are still NOT XXXX XXXX Compliant which should have forced and requested XXXX to verify whether EVERY item and every required field is filled in accurately, mandatorily and logically XXXX XXXX  perfect to meet compliance standards as set forth in the XXXX page Credit Reporting Resource Guide , created by Experian, to meet All of the requirements of the FCRA, FCBA and ECOA to insure maximum accuracy and complete information on my credit report. My attached paper credit reports of XX/XX/22 and XX/XX/22 of Experian for XXXX XXXX disclosed numerous XXXX XXXX deficiencies which are quite obvious to mention as deficiencies should have resulted in AUtOMATIC deletion of the XXXX XXXX file. How could mXXXX XXXX Account be closed on XX/XX/22 but open on XX/XX/22 despite my repeated disputes on this issue? Clearly, Experian and XXXX XXXX  are not XXXX XXXX Compliant mandating deletion of my XXXX XXXX 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 2023-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022 I used the app called Captial One Shopping. Its a cashback site deigned to allow users to shop through them on various online retailers and receive cashback for shopping through their portal. I never used the app or site before then. i notice they had n offer of 100 % cashback if you purchased XXXX XXXX service their cashback service. I paid XXXX for the service for 2 years. The purchase was pending for approval to be paid out to me and within 2 weeks I could no longer access the Captial One Shopping website to check on my status. I sent them an email regarding my problem accessing the website and they responded that they terminated my account without any explanation because they have the right to do so. I did nothing wrong via their website terms and now I'm out of my money for a product I would not have purchased if they didn't advertise the cashback discount. I feel this fraud and misleading they should at least provide a reason they terminated my account. This the email they sent when I inquired about the problem .... 

Thanks for contacting Capital One Shopping!

We regret to inform you that your Capital One Shopping account has been terminated. We reserve the right to terminate your Capital One Shopping account and services at any time for any reason not prohibited by law. Additional information on our policies and practices can be found in our Terms of Service. Please see our instructions for how to uninstall Capital One Shopping on your specific browser type. 

We appreciate your understanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2023 my debit card was used in Ohio to purchase {$600.00} worth of carpet. I live in XXXX  XXXX, where I made a purchase earlier that day. Key Bank did NOTHING to protect this fraud from happening, and instead my account was over drafted by {$300.00} ( I had {$300.00} in the account ). 

I called Key Bank immediately to report the fraud, and they claim that they are investigating and it could take up to 90 days to get my money back. They also take 7-10 business days for a new debit card. 

This isn't the first time I've been a victim of fraud, this is the fifth time in 2 years that this has happened to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I am a victim of Identity theft. I have a certified police report on file with all the credit bureaus. I have a collection account on my credit from Creditors Bureau USA. I never received a notice in the mail about the alleged account ; it just appeared on my credit. I have reached out to them several times via certified mail, I have not received a response and the fraudulent data remains on my credit. I am requesting the fraudulent account be removed. I was never afforded the opportunity to dispute the debt .... if I had been I would have advised them the account was not manufactured by me and furnished them a copy of my police report or any other information they may need. Additionally, I also have medical insurance- this is apparently a medical bill reporting on my credit. I have also reached out to the FTC .... they had me upload a copy of my police report to their portal.

Account Number XXXX in the amount of {$590.00}

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 2023-01-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an alert on my phone that a charge of {$2500.00} was made at XXXX XXXX Within 10 minutes, I called my credit card company and reported it as a fraudulent charge. 

The credit card company issued me a credit but then charged me AGAIN for the same amount. I called them again and they told me I approved the amount which I never did. I then asked them to show me documentation ( or a taped phone call ) of the approval. They couldn't show any proof of me doing that. They reopened the case. 

After many phone calls and hours of my time spent on this matter, they then told me it would take 2 billing cycles to the 2nd credit to be issued. I told them I don't understand why I had to wait especially when they issued me a credit soon after the initial charge. 

I recorded most of the phone conversations I had with Citi Cards. The last time I spoke with them on XX/XX/XXXX. The person said I would receive a full credit by XX/XX/XXXX. I have not received that as of writing this complaint. 

I believe I was at a gas station at XXXX XXXX XXXX XXXX XXXX trying to use my credit card and had trouble at the pump a day or two before. I had to go inside for the transaction but going back to the pump and now using my XXXX rewards card, it still wasn't reading my reward card. The transaction was canceled. I believe there was a " skimmer '' at the pump. I notified the local police and filled out a 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 monetary relief
Consumer complaint received 2023-01-08 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: PA

Complaint narrative:
typical idenity theft, someone stole my personal information and i need to make things and correct the errors 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 non-monetary relief
Consumer complaint received 2023-01-08 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX To Whom IT May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatante and objectionable disregard of the law.

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : I. ) Record type : XXXX XXXX XXXX discharged - Reference number : XXXX XXXX. ) Account name : XXXX XXXX XXXX - Account number : XXXX XXXX. ) Account Type : Collection - Account number : XXXX If you do not immediately remove this fraudulent and incomplete information, I will file am additional complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had 30 dayz to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

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 non-monetary relief
Consumer complaint received 2023-01-08 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: PA

Complaint narrative:
typical idenity theft, someone stole my personal information and i need to make things and correct the errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is the second complaint I am filing because the information the company provided is incorrect. They stated that they sent a letter saying they would repo the car in XXXX but we called and set up payments and was told there would be no action taken as long as we are actively making some sort of payments which we were. He also informed my wife to have me call in to request deferment on XX/XX/XXXX. At which I called on XX/XX/XXXX and spoke with a woman who barely spoke XXXX and she denied me and said the account says we aren't allowed to defer the loan. She never even asked me any of the pre deferment questions. I explained and so did my wife several times that we have more than enough income coming in to pay the loan payments but playing catch up with the back balance from the hardships we went through is making things very difficult. We have actively been bringing all of our bills current. The only company that has not been willing to work with us is wells Fargo. I'm sure it has a lot to do with our van being worth more now than when we bought it. I want this to actually be looked into. This company is illegally reposing and setting people up for failure.

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