vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS FOR VIOLATIONS Pursuant to 15 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Cash should not be included in a finance charge it should be all credit INTERCONTINENTAL CAPITAL GROUP has taken over {$120000.00} in federal reserve notes as a downpayment and many other fees Pursuant to 12 U.S.C 83 No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves the alleged loan was paid for when I provided signature and social which makes any commercial paper a security ( Money ). Adding on INTERCONTINENTAL CAPITAL GROUP has not included insurance under 15 USC 1605b ( 1 ) which should have been included in the finance charge which makes them criminally liable under 15 USC 1611 for taking downpayment many other fees and not including my insurance in the finance charge. They Are also Civilly liable and mus return twice finiance charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake financial keeps showing up on my credit report and its been 7 years and it shouldnt be on my report anymore. This is not the 1st time that I have addressed this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: FL

Complaint narrative:
First I want to say thank you for everything that you do. Happy holidays if you celebrate it. I need help please. 

*** Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complain myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2021-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CONSERVE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TN

Complaint narrative:
attached police report and supporting documents

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 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$330.00} XX/XX/2021.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
My car was salvaged my insurance paid everything. 
Why is this on my credit report. This is being reported on my account with out my consent. If there was a debt that I owe to this company I would pay it but this incorrect information being reported. I also never have been late on a car payment. This is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage was transferred to Mr. Cooper on XX/XX/2021 and the previous company I was with I did not have any issues. The letter I received from my previous mortgage company stated that if I wanted to set up an automatic payment with Mr. Cooper then I have to do it myself once it is fully onboarded in the Mr. Cooper system. I intended to pay Mr. Cooper using bill pay with my bank rather than setting up an automatic payment with them. As soon as I was able to access my mortgage account with Mr. Cooper I checked to make sure that I was not set up for automated payment but it showed that I was automatically set up for automatic recurring payment which I didn't sign up for and I did not provide them my account number. They already have my account number as soon I checked the payments which they probably got from my previous servicer. I tried to cancel the automated payment option but it's not getting cancelled online. I called Mr. Cooper and spoke with an agent, the agent said that she could not cancel it herself and I should wait for 24 hours before my account gets updated. I also told her to make sure that I did not want to get debited and that might bring my account to a negative balance and assured me that it would not happen. The next day my account was debited. And also that same day I still had the automated recurring payment showing in my account even after talking with the agent the previous today and after waiting for next day to clear things out. I called Mr. Cooper again and spoke with an agent and I told them that I was debited and I specifically asked the agent the day before not to debit my account. The agent magically was able to cancel the automatic payment. I also had to call my bank to stop the payment from going through and I got charged {$30.00} for the stop payment. The website is very suspicious as this does not allow you to make changes yourself I hope they are aware that this is happening or maybe intentional behavior to keep customers in automated payment method. I believe that Mr. Cooper should not make choices for customers to set up automated payments if this was not requested in your website. Also I did not provide them my account number and they should not be getting my bank account number without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and I noticed some fraudulent and inaccurate accounts and information on my credit report I reached out to the credit reporting agencies to correct the fraudulent and inaccurate information and they didn't correct the information

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 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and I noticed fraudulent and inaccurate accounts on my credit report I then proceeded to reach out to the credit reporting agencies to correct these fraudulent and inaccurate accounts but the credit reporting agencies did not correct the fraudulent and inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I closed my Chase business checking account around XX/XX/XXXX. The customer service staff confirmed it was closed over the phone. Prior to this, I had moved all my recurring subscriptions to use another checking account debit card at another bank. 

I later received a letter from Chase that my account had been overdrawn which couldnt have been possible seeing as it was closed. Upon researching, I discovered that Chase had not fully closed my account and instead had been charging monthly service fees fraudulently as well as allowing a debit transaction in the amount of {$8.00} on XX/XX/XXXX and an insufficient funds ( NSF ) fee for {$34.00} on the same date. I expected that if there were any online recurring subscriptions that they would be declined since the account was closed. 

On XX/XX/XXXX, I contacted Chase by phone to resolve the issue and I paid {$9.00} which included an additional debit transaction of {$0.00} on XX/XX/XXXX in order to settle the account. Chase had told me they would refund the monthly fees and the NSF fee which they did. They also confirmed the account was closed finally again, however that was not the truth as the next day ( XX/XX/XXXX ) there was another debit transaction which should have been declined and was not. Chase continued allowing the account to remain open and charged another NSF fee and monthly service fee. I have documented evidence that shows deception and fraud from Chase. I previously reported this in XX/XX/XXXX and was lied to in the last correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX XX/XX/2020 I PURCHASED AN ITEM USING A CITI BANK CREDIT CARD. THE PURCHASE VENDOR WAS DIFFERENT AS REPORTED ON THE CITIBANK CARD STATEMENT THAN THE WEB SUITE PURCHASE. CITIBANK WAS NOTIFED AND THEY CANCELLED THE TRANSACTION AND THE CREDIT CARD. THE VENDOR HAD ALREADY SHIPPED PART OF THE ITEM AND HE CONTACTED ME. WE AGREED THAT THE TRANSACTION HAD BEEN CANCELLED SO I PAID HIM BY WIRE TRANSFER. PRIOR TO SENDING THE WIRE TRANSFER, I AGAIN CONTACTED CITIBANK SECURITY/FRAUD AND THEY ASSURED ME THAT THE TRANSACTION HAD BEEN CANCELLED ON THEIR END AND THEY WOULD NOT PAY THE VENDOR BECAUSE THE TRANSACTION WAS CANCELLED. 
AFTER SENDING THE WIRE TRANSFER TO THE VENDOR, CITIBANK SECURITY CONTACTED ME REGARDING THE DETAILS OF THE CANCELLED TRANSACTION. I SENT CITI SECURITY PROOF ON XX/XX/2020 THAT I HAD PAID FOR THE ITEM AND THIS WAS NOT A PART OF ANY CREDIT CARD CHARGE. CITI SECURITY HAS CONTINUED TO MAKE DEMANDS FOR PAYMENT AND HARASSED OIUR FAMILY -- -2-3 CALLS PER DAY OVER THE LAST 18 MONTHS.

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 2021-12-22 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: FL

Complaint narrative:
Happy holidays to you and thank you for your assistance. 

It is very hard dealing with this but I will keep being positive to make things right. Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complain myself from my personal computer. I am fully verified.. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy federal closed my account after I spoke with a representative before the account was closed regarding Covid and maternity leave. Representative explained to me that I would be able to pay minimum payment but in return my account was closed a day after payment stating the payment was late and sent back but both payments were made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I cashed a cashiers check for services performed from an individual and it bounced, now my bank is not honoring my deposit and took the money from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
SOURCE RECVB has been on my credit report for sometime for {$110.00} I never knew to owe any company {$110.00}. This debt is said to come from sprint but its being reported as SOURCE RECVB. I do not owe them anything and I don't even know them. This is unacceptable I never gave consent for this to be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
AUGUSTA COLLECTION AGENCXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ga XXXX has been sending me collection notices in the amount of {$410.00}.. THE COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: IL

Complaint narrative:
I did not authorize nor benefit from the following inquiries. According to the Fair Credit Reporting Act the following inquiries must be blocked and removed. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2020

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 2021-12-22 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: FL

Complaint narrative:
I know you are working hard and thank you for helping me. 

I am submitting this complaint from my personal computer. I have reviewed my credit report and notice that the inquiries that are fraudulent are on my account. My name is XXXX XXXX and I am a victim of identity theft. The inquiries are not accurate, unauthorized and do not belong to me. The information isnt correct. I asked for method of verification from the bureaus and was ignored. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. My Id, social security card and pdf of the accounts are enclosed as well. The inquiries Need to be deleted immediately.

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 2021-12-22 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: TX

Complaint narrative:
On XX/XX/2021 I returned to the United States and found a couple of fraudulent charges from XXXXXXXX XXXX XXXXXXXX for {$690.00} and {$670.00} on XX/XX/2021. I immediately called Wells Fargo to dispute the charges and spoke with someone who was hard to understand. They assured me that the charges would be investigated and a new card would be sent as my account would be closed due to the fraud. I never visited a place called XXXXXXXX XXXX  XXXX. 

A month later I received a letter stating that my claim was denied because my card was present and in my possession. This does not make sense to me because I am not in possession of my card 100 % of the time. For example, when I hand the card to a waiter or employee to charge then the card leaves my possession and sight. This also happened outside the United States in a place not celebrated for their lack of crime. 

To help my claim, I even submitted a report with my local police department at Wells Fargos request. I reopened the dispute with Wells Fargo and faxed them a copy of the report but I was denied again. I then closed the account on XX/XX/2021 and found out about CFPB and decided to file a complaint with CRPB on XX/XX/2021 and use my final dispute with Wells Fargo.

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