vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I have sent 3 letters to Barclay card, 2 by regular mail, 1 certified. all in the last 30 days starting on XX/XX/2022 the last on XX/XX/2022. 
I have called 4 times asking for them to correct my XXXX credit report. they have correct my transition and eqafax report, they have reported a zero balance on all 3 reports but state I still owe XXXX. I was sued by portfolio collections and paid in full. they have stated that portfolio owns my account and they need to fix my reports. 
in all 3 letters I have inclosed the documentation showing it is paid. I call portfolio collections they stated that they have sent documentation to Barclay and have removed all remarks from my credit reports ( I have verifed that ) on a recorded line 4 times they have stated they will not correct this issue. 
I have attached the documentation I have with account numbers

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 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I, XXXX XXXX, a consumer, the company Hunter Warfield has invaded my individual privacy., I am refusing to pay the alleged debt. I do not have trilateral contract with Hunter Warfield with my signature to the such alleged debt. I also never gave my direct permission for this debt collector to contact or use my location information. This debt collector has contacted me multiple times which were all inconvenient times for me that has disturb and annoyed me because I was spending time with my family and at my place of employment. HunterWarfield contacted me by phone on XX/XX/2022, XX/XX/2022 and email on XX/XX/2022 without prior direct consent from myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Foris DAX, Inc.
State: NC

Complaint narrative:
My debit card which was on file on Crypto.com account was used three times to purchase a bit coin and then was transferred to some private wallet link and this happens to happen in my account. One was used on the XX/XX/2022 in the amount of {$450.00} and the second one and third one was used on the XX/XX/2022 in the amount of {$1200.00} and {$1300.00} and all resulting in {$3000.00}. I then contacted Crypto.com letting them know that this transaction wasnt me and I did not authorized that. They told me to wait for them to look at my case and this morning Which is XX/XX/2022 I got an email from them saying their APP payment can not refund me my money because their investigation shows that the transaction happened in my account. My problem is that where does fraud happens? Isnt it peoples account. Beginning of XXXX my other phone got lost when I was at a holiday in XXXX and I couldnt find it and that phone had all my informations. I was able to change most of my information on my other apps but I guess I forgot to change most of them including Crypto.com. I want yall to know that this transaction wasnt made by me and if it was why will I buy this lot of bitcoin and then transfer it to another link wallet?? I mean for what? Why wont I keep it in my wallet?? Please help me get my money because I have been scammed or fraud. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Friday XX/XX/XXXX XXXX name is Fracklin XXXX and XXXX address XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX I Living in this adresse since 22 years, since I bought my house I never paid my mortgage late, and I'am the XXXX paid my home owner insurance, my property tax also, in XXXX XXXX received an notice from Wells Fargo bank told me I owe d them XXXX XXXX dollars with out detail, and they added XXXX in my regular monthly payment that I suppose to paid every month XXXX dollars now they charged me XXXX XXXX dollars and they never gave me details to tell me why and my mortgage balance is XXXX. I'm the one who pays my tax and insurance and when I called them they told me if I put a deposit in my scrow account for XXXX dollars they will put my mortgage back at the regular price and I did when I call them again to talk to them, they still remained that amount in my account and they never gave me details on why they charged me XXXX and I requested them to close my scrow account, they refused. I need you guys to help me review my account with them and I made the deposit of XXXX dollars for them on Monday XX/XX/2022 the check number is # XXXX. Feel free to get back to me at XXXX or XXXX. And XXXX of 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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2022 I made a deposit at a navy federal ATM inside a XXXX. This ATM was supposed to be owned by navy federal. It has navy federal badging and the navy federal logo is on the home screen. On that day I Deposited {$200.00} in {$1.00} bills into the ATM.. However, it only shows in my account a {$20.00} deposit. I called navy federal about the situation. They advised they would start a claim and it would take up to 10 days to issue a provisional credit. I advise that I provided documentation of the receipt to navy federal via my mobile app showing what I had deposited into the ATM. Still I was told there was nothing that could be done that this was a XXXX party ATM M.. I again expressed to the representative that it was not a XXXX party or a Co-Op ATM it was a navy federal AT was ATM I was then a in advice by XXXX a supervisor whom I spoke with on XXXX the XXXX at XXXX PM Eastern time that the ATM was a navy ATM Co-Op ATM. I express to XXXX now the story has changed initially I was told it was a Co-Op ATM then I was told they saw it was a navy federal ATM and then I was told no it was a combination of Both. Long story short navy federal has failed To make a diligent effort To rectify the situation. In summary I deposited {$200.00} was only credited for {$20.00}. It was. I provided the receipt from the transaction yet as Of this statement XXXX the XXXX I've yet to have a resolution. 



The atm is located at XXXX on XXXX XXXX XXXX XXXX, Florida

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( XXXX ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause 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 non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I had a {$7000.00} check sent to XXXX Bank as part of a trustee-to-trustee transfer. I used XXXX Banks provided form for this transfer. XXXX Bank applied the incorrect amount to my account, not the {$7000.00} that was sent to them. They are unable to provide me with a copy of the check they received to verify the amount written on the checks matches what they credited to my account. They do not have a process to reconcile this error and they are unable to tell me when I can expect this to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
XXXX XXXX Apartments in XXXX Mississippi added duplicate and previously paid amounts to a bill for my son 's lease bill. I am a guarantor on this account. when the incorrect charges were brought to the companies attention they assured me the charges would be fixed. They were not corrected with in the 72 hours they promised. 

After my son 's scheduled move out on the XXXX of XX/XX/2021, they refused to speak to us about the incorrect bill and said their debt collection service would contact us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OK

Complaint narrative:
Community Loan Servicing has grossly discriminated against me in their treatment of me as described in the attached document. They continue to refuse to provide me with complete documents and information that I've requested, and sent me a letter with false and deceptive statements as described in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My information is on the dark web and has been stolen

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 2022-02-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 non-monetary relief
Consumer complaint received 2022-02-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$4900.00} XXXX XXXX-Balance {$790.00}

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 2022-02-18 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: OH

Complaint narrative:
The below accounts do not belong to me, I have tried to contact the company and have gotten no where, these account are effecting me negatively XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7200.00} Payment {$360.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$5000.00} XXXX XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance {$3900.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1600.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2022-02-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed on XX/XX/2022 that a purchase was made at XXXX XXXX for {$1400.00}. I immediately contacted Chase to let them know that I never authorized this transaction and that it was fraudulent. 

A claim was opened on XX/XX/2022, and I was just notified today, XX/XX/2022, that my claim was denied. Chase determined that this purchase was legitimate, even when I told them it was clearly fraudulent. 

Since I never made this purchase and certainly did not authorize this transaction, I filed a policereport with the XXXX XXXX Police Department and sent a copy of it to Chase. Even with this information, they informed me this was not enough proof and the charge for {$1400.00} was valid and I would be responsible for paying it. 

First of all, I never authorized this transaction nor did I make this purchase. Second of all, I never even received any products or services from this company. 

Chase mentioned they would only re-consider my claim if I submit additional proof. 
Submitting proof of a transaction that you did not make or even authorize is extremely difficult since I literally have nothing to reference ( no receipts, no invoice, etc. since I did not even make this purchase ). 

I then remembered XXXX XXXX had the audacity to call and leave me a voicemail on XX/XX/2022 stating that I was not home at the time of their attempted delivery. I am still not clear how they obtained my telephone number. 
This voicemail was sent to Chase, confirming that the merchant did not provide any products or services to me but still charged me {$1400.00}, which I never even authorized in the first place. 

I am very concerned about the legitimacy of this business as they knew about the potential fraud of this purchase, but still attempted to deliver the merchandise anyway. 
Fraud claim was opened XX/XX/2022, and delivery was attempted on XX/XX/2022. 
I am also very concerned with Chase and how they handle fraud disputes. I provided all the necessary proof that I could possibly obtain, which is not much since I never even made this purchase to begin with. They even disregarded the police report that I filed, saying it was not enough proof. 

Chase is attempting to charge me {$1400.00} for a product or service that I did not authorize, nor did I even receive. I also provided voicemail proof to Chase that the company never even provided any goods or services to me. This fraudulent charge should be removed from my credit card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I filed with a Debt consolidation in XX/XX/2019. {$280.00} down, XXXX per month on {$5.00}, XXXX worth of debt. After a little over a year. I was told by my bank that my credit score had dropped to XXXX. I was almost in tears. explained to her what had happen. She told me to cancel this and not ever just into something, that its messing up my credit. She showed me that only one bill of {$400.00} was paid off. I called MCM and ask how much money have they taken from my account, and why the small debt hadn't been paid.she said I only have XXXX left in the debt consolidation account and they have to wait to they collect more money.So I ask where was all of my money going they told me that they paid one bill and they have to pay lawyer fees also. Thats when I stopped everything and changed my card, while I was there in the bank they was at the time trying to take money from my account. So now! the MCM took over the XXXX XXXX  account of a little over {$900.00}. I didn't hear from MCM. For about 3 months. I kept calling XXXX XXXX telling them I want to start back paying my bill with them. They say that I didn't owe them. I said I know I owe the bill. I went through a lot trying to find out who have my bill.Finally about 2 month later someone gave me a number to call. I finally got to the bottom of everything, and sent out letters to everybody explaining the situation. I was caught up in going through the death of my brother and I fell for this scheme at my weakest moment.with this Debt consolidator. So the MCM. started accepting my payments. For a while I had to ask for. statements. From then own, they call me all the time constantly. For no good reason. I make my payments on the XXXX of every month. Never late. One month I made one and another on the XXXX. they called me and said I still meed to make one on the XXXX. I said I made it on the XXXX because the XXXX fell on I think a Sunday. So I did. Now they calls and say I need to make payment arrangement and do an automatic draft. I refuse the Auto draft. I keep telling them that my payments is the same date that I have been paying on which is the first of every month. They say they don't see where i made arrangements. They are doing this to try and force me to let them do auto draft. I keep telling them no., but they have been doing this for 2 yrs. I am a XXXX and I have uncontrollable XXXX XXXX XXXX.. They are already being paid for more than I owed XXXX XXXX itself and I am never late on my bills.

Company response to consumer: Closed with explanation