vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Identity Theft Report Attached. 

Listed in identity theft report is fraudulent inquiry XXXX XXXX XX/XX/2021

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 2023-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: SC

Complaint narrative:
In XX/XX/2023 the financing company American financial was closed down. Westlake financial took over their loans. They have repeatedly called. Approximately once an hour per day. They have charged an astronomical amount in addition to what I already paid. They are also sending mail from XXXX XXXX but have their phone number as their contact information. I was told they would not stop calling me, after asking them not to.

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023 I received text message that I opened 2 Cpital One / BASS PRO accounts. Then I received XXXX credit alert that Capital One did a hard pull of my credit report. It is someone else steals my identity and opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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: DISCOVER BANK
State: IN

Complaint narrative:
I am a XXXX  and for a long time I used my Discover student credit card because it provided good benefits. Over the summer of 2022, I traveled abroad and let Discover know that this was the case. I got stuck there with covid and forgot to extend the travel dates with discover, as a result of this, my account got flagged for fraudulent activity, and the only way to fix it was to fill out the physical form that they sent to the United States. For whatever reason, I submitted the form and they still couldn't verify that it wasn't fraudulent so they went ahead and closed my account resulting in not only a huge drop in my credit score because of a closed account but also I get automatically declined whenever I try to apply for the card again. This is extremely annoying because I've called, they cant help, and there was never any fraudulent activity in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Part 3 of complaints with Wells Fargo. I had to call the " executive office '' today to find out why there was a failure a second time to contact me with a solution to the mistakes made by Wells Fargo. The first thing I'm told this time is they wanted to get to a resolution on XX/XX/XXXX. This is the third time they failed to rectify some serious mistakes they have made and refused to contact me regarding such. I was assigned a new agent and again, " they are not available. '' This is a continuous pattern of intentional neglect of consumer rights and banking policy. They refuse to work with customers and refuse to work within policies.

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 2023-03-24 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: MS

Complaint narrative:
I did not give at authorizations to inquire on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
this complaint is an addition to a complaint that i already i filed against credit acceptance. i want to file a criminal complaint and and get recourse in this matter. this company repossessed my car illegally and im dissatisfied with the outcome of the previous complaint. You didnt address the violation of 15 usc 1692f unfair practices. Im extremely frustrated with the lack of investigation in this matter.Please look into this matter again

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm issuing a complaint against XXXX XXXX. XXXX has placed an account in collections since XXXX, which opened due to fraud. I have sent XXXX a copy of my police report and closed bank statement XX/XX/XXXX, indicating I was a victim of fraud. I've worked with XXXX and Experian numerous times to remove the account, and the company has refused to remove the negative mark and account from my credit report. I've been turned down for a loan due to the negative reporting and denied refinancing my student loans. The XXXX companies are now violating the Fair Credit Reporting Act and performing defamation of character. A representative advised several months ago, XXXX received my paperwork to work on the fraud activity, and I still have no results. On XX/XX/XXXX, a representative stated the fraud department closed my case without contacting me or removing the 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 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I signed up for a Policy with XXXX XXXX on XX/XX/XXXX of 2022, then called to cancel the policy on XX/XX/XXXX. I was then told my policy would be canceled immediately. I then recieved an email weeks later stating how i had payments coming up even though i requested for the policy to be cancelled. Funds were then attempted to be taken out of my account even though i had called multiple times to get my policy canceled within the same week and following weeks of opening the account. I was instructed to provide proof of insurance through state farm which i did. Payment for that month then came out on XX/XX/XXXX due to me being a XXXX veteran, we get our checks on the first of every month. I would call progressive repeatedly to find out if my policy was canceled yet only to get excuses or even agents saying " what cancelation? We dont have it in our system for your policy to be cancelled '' which led the policy into not being canceled for even more amounts of time. I also have on my bank statements stating that payment was taken out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would also never receive a notice in the mail of a debt owed or collections owed until 3 days ago and to find out the next day my credit being decreased due to a new collections. I would also follow up with XXXX almost on a daily basis to then be told by an employee to disregard any bills i would receieve within the next 30-60 days due to the cancelation. I would still call till i got confirmation that my account had finally been closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group
State: FL

Complaint narrative:
I was not a resident at the property for over a year and my ex wife the tenant caused damages to the home and said it was XXXX to fix and all of a sudden I got hit with XXXX XXXX on my credit without any notice or chance to pay or fix the issue. I had been living in Florida over a year and her in the property for that time. I was never notified or given a chance to pay or fix the issue they just hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2011 I bought a house. And I have a down payment and paid closing costs. But I did want to know why so much money. And if it even went into the principal as it was stated it would. Now I find out that Wells Fargo has done illegal activity and within the scope falls mortgages. I want someone to look into this and see if they processed my mortgage correctly and didnt over charge me.

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 2023-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Alorica Inc.
State: NC

Complaint narrative:
I originally had a loan with XXXX and they sold it in XXXX to Systems & Services Technologies address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I paid off my remaining loan balance on XX/XX/XXXX and I should have access to my {$1600.00} that is sitting in a savings account with their affiliate XXXX XXXX XXXX but I don't have my money yet. It should not take over 7 business days to transfer money electronically. I've done this countless times with other lenders and have had my money in 72 hours or less. It's XX/XX/XXXX and still nothing from these crooks. I need my money ASAP. When I paid off my loan, I did as they instructed and called with my routing information for electronic transfer and still to this day I haven't seen a statement or letter to say they have sent my money, matter of fact it's still showing my savings account as locked even though it didn't take them but 48 hours to if that to post my final payment, Ths is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Company involved : WELLS FARGO BANK on XX/XX/XXXX I deposited a {$2800.00} check using the bank application " Mobile deposit ''. It usually takes the following business day for cashing the check. On XX/XX/XXXX I received an electronic communication from Wells Fargo that they will hold the check until XX/XX/2023, and the Hold Reason was " Signature On Check Was Irregular ''. I called to Wells Fargo Costumer Service and the agent to talked to me said that they couldn't get the money from the issuing bank because the Signature on check was wrong and Wells Fargo will try to get the money from the other bank again on XX/XX/XXXX and then they will deposit to me on the following business day, it means, XX/XX/XXXX. 
After that I decided to call the person who give me the check and we both headed to his bank to cancel that check and he would pay me with another one. We get in shock when the agent looked up his account and showed us that the Signature was right and Actually, Wells Fargo had already cashed the check on XX/XX/XXXX!!! I have proof of that! 
So THEY LIED SAYING TO ME 1 ) THE HOLD REASON WAS FOR AN IRREGULAR SIGNATURE ON CHECK ( LIE ) 2 ) THEY WILL TRY TO GET THE MONEY ON XX/XX/XXXX AND WILL DEPOSIT THE MONEY THE FOLLOWING DAY ( IT WAS LIE TOO ) I decided to call Costumers Service again and the agent was rude to me, saying I was lying, that I have to wait because that's the bank policies. 
I think they lie to clients like me to keep the money on hold without any reason

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 2023-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates continues to break the law and violate consumer 's rights. They refused to send requested documentation that would allow XXXX XXXX to verify the validity of the alleged debts furnished to credit files. Portfolio Recovery Associates willingly and intentionally continues to engage in intimidation, deception, and illegal debt collection tactics. They have made representations about unsubstantiated debts and misrepresented conducting sufficient investigations furnishing inaccurate information to XXXX. In retaliation for attempting to validate the alleged debts furnished, Portfolio Recovery Associates changed the date of last activity to XX/XX/23. This looks deceptive and suspicious. This attempt to misrepresent this alleged debt is to intimidate and harass consumer and violate the cease and desist direct and indirect communication demand. They purposely furnished this erroneous and false derogatory information to injure the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MD

Complaint narrative:
They are using a third party collection company to try to make me pay a debt I have no knowledge of and is not on my credit report. I never had any type of credit thru XXXX XXXX XXXX XXXXXXXX so there is no way for me to owe any balance. But I received an email requesting payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the incorrect status on my account that has been reported by your institution to the credit bureaus. I have discovered that my credit report shows late payments on my account, which is inaccurate and unjustifiable. To make matters worse, each credit bureau shows a different delinquent status and wrong information. 

I have contacted your institution several times to address this issue, but to my dismay, I have not received any assistance or resolution to this problem. Despite my persistent efforts to seek clarification and have this issue rectified, I am still being disadvantaged by this error. 

I demand to be provided with all the proof of my investigation and the proof of the negative payment status for this account. If the negative information in this account can not be deleted, then it must be corrected immediately to reflect the true status of my account. 

As a responsible borrower, I have always made timely payments and have never missed any payments. Therefore, it is unfair to have my credit score and reputation tarnished by this incorrect information. The incorrect reporting has caused significant stress, anxiety, and financial hardship. I believe this error has negatively impacted my credit score and has disadvantaged me in securing future credit or financial opportunities. 

I am requesting that your institution and these credit bureaus take immediate action to correct this mistake and update the status of my account to reflect the correct information. I also expect written confirmation from your institution and the credit bureaus involved to acknowledge the correction. 

The attachment below shows all three credit bureaus showing wrong and different late payments status. 

I urge you to take this complaint seriously and take immediate action to rectify the situation. I hope to hear from you soon with a resolution to this issue. 

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING PROBLEMS WITH ACCOUNTS REPORTING ON MY CONSUMER FILE THAT ARE CAUSING ME TO NOT BE ABLE TO PURCHASE A NEW HOME.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M HAVING PROBLEMS WITH ACCOUNTS REPORTING ON MY CONSUMER FILE THAT ARE CAUSING ME TO NOT BE ABLE TO PURCHASE A NEW HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, in the afternoon, I logged in to my Citibank account two check my business account. Since I also have a checking account with them, I was wondering if I could link my accounts. Because I was able to do that with other banks. To find out how to connect my account so that I have access all at once. I tried to contact Citibank. Online chatting was one of the options. I clicked on the chat link, but I was still logged in to my account. The chat was an automated response therefore, it gave me some instructions which were not helpful, Then, The automated response system offered me to speak to chat with a representative. Within two minutes, a person ( at least what I thought to be ) started after I explained to him that I needed to link my business and personal accounts, he stated that he would guide me to do that. Immediately called me on my phone. He immediately said to me, " I am XXXX employee number XXXX from Citibank. we were chatting about linking your checking account with your business account " XXXX '' and I will help you to do that. '' He asked me if he needed to verify if I am a real client and asked me for my debit card number. I told him I don't have it. Because I suspected that wouldn't be needed to achieve this. However, he said I have it and I will read it to you. And he started reading numbers and ask me to type them. At this point, he already got access, within a few seconds, I started receiving text messages on my phone stating that I transferred {$2400.00} to XXXX XXXX with a XXXX account. Immediately shut down my computer and called Citibank to stop the transactions. Out of the XXXX transactions, one went through which is for the maximum amount that they could transfer. The other two asked for my confirmation. Citibank assured me that they will investigate and help me to get the refund. However, Citibank has denied the claim. I filed an appeal and was denied again. The incident was reported to a local XXXX and copy was faxed to the Citibank dispute unit.

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/XXXX I sent Navy Federal Credit Union ( NFCU ) a certified letter via XXXX [ tracking number : XXXX ] disputing memberships and accounts that were opened and obtained fraudulently by a former roommate. It has been over 30 days and Ive received no correspondence from NFCU in regards to this matter. I sent evidence showing my established residence at the time of when the membership was obtained. Proof of residency in the state of Tennessee and not Georgia. Police report from the XXXX Police Department. 

NFCU has exuded gross negligence in failing to properly investigate this claim. NFCU also sold these accounts to XXXX XXXX XXXX ( see attached document ) after I reported the debts to them as fraudulent which is a violation of several consumer protection laws and regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank. Made a deposit at a teller in a large amount. I was advised by the teller there would be a 2 day hold on the check written by my company. My company deposits payroll in my bank each week, 52 weeks per year, so the company and the bank have experience with one another. After 3 days I go to confirm my funds are available and I see they changed the availability. The deposit was made on XX/XX/2023. The bank then changes the date of my deposit suggesting it was XX/XX/2023 and makes the funds available on XX/XX/2023. No notice was provided to me. I only discovered it when I was trying to confirm my funds were available on the date the teller told me. The only amount available to me was a mere {$250.00} of the {$16000.00} deposited.

Company response to consumer: Closed with explanation