vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2021, a regular monthly {$3000.00} ACH transfer was executed from my checking account at XXXX XXXX to Wells Fargo. 

The transfer was completed ( Trace ID # XXXX ) but the funds were not credited to my Wells Fargo account before the account was closed on XX/XX/XXXX. When the account proceeds were sent to me by check, the {$3000.00} was not included. 

I have filed multiple claims with Wells Fargo ( most recent claim # XXXX XXXX for the return of the funds. In response, Wells Fargo first recurrently denied the transfer was completed, then claimed to have returned the funds to XXXX XXXX. Finally, in a letter dated XX/XX/2021, Wells Fargo acknowledged the completion of the transfer : Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. However, they said nothing about returning it. 

In a fax on XX/XX/2021, I again provided Wells Fargo with the Trace ID number, a copy of my XXXX XXXX statement for XX/XX/2021 showing the transfer, and even a copy of its own letter to me confirming the transfer. 

However, Wells Fargo has been nonresponsive, now claiming that XXXX XXXX is responsible for requesting the return of the money -- but not responding to XXXX XXXX 's request that they do so ( that according to XXXX XXXX, Business Reporting and Customer Advocacy Manager at XXXX XXXX ). In its most recent letter to me, Wells Fargo says " We consider this matter closed. '' There is no mention of where the funds are or why they have not been returned. 

Wells Fargo is clearly committed to keeping my {$3000.00}. I request your assistance.

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 2021-08-26 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: WA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am reporting a problem with resolving fraudulent usage of my Bank of America credit card ending in XXXX. 

My credit card was stolen from a safe in the basement of my house in XXXX, CA, at some time between XX/XX/XXXX and XX/XX/XXXX. I was not at the house at the time and was not aware of the theft at that time. 

On XX/XX/XXXX, my Bank of America card was fraudulently used at XXXX XXXX  in XXXX, CA for a {$320.00} purchase ( see attached statement ). I receive text notifications for all charges on my phone, and I immediately reported the fraudulent charge to BofA. At this time I did not know that the card was physically stolen. The fraudulent charge was reversed at that time. 

On XX/XX/XXXX, after I received other notifications from other fraudulent charges on credit cards and debit cards that were stored in the safe, I realized that I had been robbed and I contacted the XXXX police department. I reported the theft of the safe and the contents, including the Bank of America credit card. The police did an investigation and provided a police report ( see attached document ). 

On XX/XX/XXXX, I received a letter ( see attachment ) saying that the claim had been denied because the card was physically used, and the fraudulent charge was restored. I immediately appealed the denial and sent in the police report and contact information for the officer who worked on the case. 

On XX/XX/XXXX, I called to check on the status of the case and I was told that my documents had been received and the case was being investigated. 

On XX/XX/XXXX, I called to check on the status of the case and I was told by a supervisor that the case had actually never been re-opened. I was told that the case was now being re-opened and they would consider the documents I provided. 

Bank of America has refused to revert the fraudulent charge again while the case is being investigated, and my account now has a balance due. I was recommended to pay the minimum balance due on the fraudulent charge while the claim is investigated. I am extremely disappointed with the lack of communication and follow-through on the appeal and with being asked to pay for charges that I did not incur on my account. I will be sending the minimum payment ( {$25.00} ) while my claim is being investigated.

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 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with my irs checks on XX/XX/2021, next day was close with out giving me statement, my checks where send to the fraud department at suntrust bank at XXXXXXXX XXXX XXXX XXXX florida, XXXX the bank have not return my money or my checks they close 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 explanation
Consumer complaint received 2021-08-26 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have these items that does not belong to me and i want them to be removed. 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft SANTANDER BK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I had spoken with representatives multiple times and made it very clear I could not afford to pay this debt unless it would be removed from the credit bureaus. First agent explained that upon payment it would be DELETED was then transferred to another rep to take payment. To verify, i again asked the debt would be removed. They said no it would not but only be updated to paid. This does not help me as I am trying to get into a mortgage transaction. The agent lied by saying it would increase my score. This is TOTALLY FALSE AND MISLEADING INFORMATION. I thanked them for their time and explained that I did not have the funds to spare if the debt would not be removed from the credit bureaus. 

The next time I called the agents again were well aware of my situation and my stance. It was heavily implied that the account would be removed as the agent told me he would have the supervisor make an exception for me. I felt confident that the agent was kind and sympathetic and was going to help me out. This is the ONLY reason I made the payment under the assumption that the account would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
For the past 60 days, I have received telemarketing calls ( 90 % of calls appear as 'Scam Likely..with XXXX XXXX .... ) on behalf of Discover Credit Card ( which I don't have ) Chase and Visa to qualify for 0 % promotion. I initially blocked the calls, but all the phone # s are similar and on average I receive 20 calls/day. When I have chosen to speak with someone ( option # 1 ) to request my phone # to be removed, they either agree to do so, or hang up on me. Then will call back. Most recently, I received a call from XXXX XXXX XXXX ( which is similar to my cell # ). When I called it back, I reached Asst. Atty XXXX XXXX who advised this was her personal ph #. Her advice was for me to file a complaint with the FBI in my local area. She provided the contact # and I called. Was advised to file an IC3 complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. I have had someone use my identity with different names, addresses and information. I need this to be investigated and fixed immediately. 


name and addresses wrong XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : [ ssn ] | DOB : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX I was looking over my credit report today and found a bankruptcy which should not be on my account. I would like you to investigate and verify the following bankruptcies, or promptly remove them from my credit report : Court : US BKPT CT GA XXXX Reference Number : XXXX Reason : Unverified Bankruptcy Court : US BKPT CT GA XXXX Reference Number : XXXX Reason : Unverified Bankruptcy Please respond to me in writing, and include the " method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To someone who can help me. I am deeply upset because I have denied for housing due to a false and inaccurate account on my consumer report. I dont how this happen but it needs to be removed asap. XXXX XXXX and these three bureaus have messed things up with my comsumer report. I dont have debts and I dont owe anyone. XXXX XXXX is committing illegal activity under FCRA 609 by fraudulently and illegally placing an item that is obviously mixed up with someone else because this account is not mine.. This is very unethical and its on ALL my credit reports. this false debt is not mine and I can prove it. I have attached a letter from XXXX XXXX themselves sending me reimbursement for the error they committed. These bureaus is violating my rights as a consumer by reporting an inaccurate account after even notifying them, under FCRA section 609 this must be removed from my credit report immediately. You cant just place an false item on someone report and say they owe something. Thats FRAUD. THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVESTIGATION BY THE ATTORNEY GENERALS OF TWO STATES, THE CFPB, THE CONSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD, EMOTIONAL DISTRESS, AND ILEGAL ACTIVITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have these items that does not belong to me and i want them to be removed. 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft WF BANK NA Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

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 2021-08-26 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: GA

Complaint narrative:
Unauthorized use of my consumer report. Did not conduct proper investigation

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 2021-08-26 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: MO

Complaint narrative:
Equifax has committed several federal violations against me, a Private law abiding Federally Protected Consumer and are liable under Federal Law. I have been denied Consumer credit transaction due to false and harming information being furnished on my consumer report. My information was also obtained in an Equifax data breach which resulted in identity theft. I have sent my enforcement action, affidavit of truth, identity theft report, and exhibits on how the law was violated.I have also been harassed by debt collectors attempting to collect a alleged debt.

Equifax has engaged in unfair and deceptive practices in violation of the Consumer Financial Protection Act of 2010 by Engaging in acts and practices that caused additional harm or risk of harm to consumers in response to the breach. Equifax has also Failed to provide reasonable security for the massive quantities of sensitive personal information stored within its computer network, causing substantial injury to my data which was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted a certified dispute letter to XXXX  Credit Bureau, Transunion and XXXX. The letters were confirmed received on the following dates to XXXX  on XX/XX/2021, Transunion on XX/XX/2021 and XXXX  on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with 3rd parties. With that being the case there is no way that this could have been verified and I would like to have it removed.

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted a certified dispute letter to Equifax Credit Bureau, XXXX  and XXXX. The letters were confirmed received on the following dates to XXXX  on XX/XX/2021, XXXX  on XX/XX/2021 and Equifax on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with XXXX parties. With that being the case there is no way that this could have been verified and I would like to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: OK

Complaint narrative:
I filed a dispute with Transunion and provided documentation directly from my student loan service that stated my loan was incorrectly reported as late while in deferment and is currently deferred until XXXX. Transunion investigated the dispute and will not update my credit or remove the late payment report. One dispute was completed XX/XX/XXXX and the second dispute was completed XX/XX/XXXX. I have filed a third report today XX/XX/XXXX. This late report has damaged my credit score severely at a time that I am purchasing a home and it is wrong that Transunion will not remove it and restore my score when the lender has written a letter.

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 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
the company claimed they received my request for validation letter on XX/XX/XXXX. I have proof they received the letter on XX/XX/XXXX which is a fact ( via certified mail # XXXX ). Proof is attached. I just received a letter from them 45 days later with a postage stamped on XX/XX/2021, when pursuant fdcpa law and my letter they only had 30 days to respond, failure to respond result on default. I request for them to immediately remove the account from all reporting CRA 's. This company operation is unethical and they lack of response is harming my emotional state causing me stress, mental anguish and losses due to negatively reporting 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 explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
I contacted the company because they have addresses that I have lived at listed in my report. I have requested to have these addresses removed but they are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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:
I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX  has a fraudulent account on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX has a fraudulent account on my credit profile. 
All fraudulent accounts need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank Closed my QVC card due to me missing 2 payments. I understand that that is their policy however during this time of the pandemic I am able to make my payments and on time. I SWITCHED BANKS from XXXX XXXX XXXX XXXX to XXXX  XXXX XXXX and missed the second payment ( {$40.00} ) although I did make my payment they refused to work with me and will not RE-OPEN or " REHAB '' my account. I still have my QVC card set up on automatic bill pay because I don't want a " charge off '' however, considering that the whole country is in a perilous time they could consider re-opening the account for a customer who is 'ACTUALLY '' paying their bill.

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