vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Due to confusion with prior unauthorized accounts opened by Wells Fargo reps in order to boost company profits, my current accounts including checking and savings have a block on them with identity theft dept. The confusion stems from numerous calls made yesterday attempting to reach remediation dept for unauthorized accounts opened in the past by Wells Fargo reps which date back several years. I attempted to resolve hold with identity theft dept, their reps requested I go into a branch after explaining the confusion, in which case I am unable to get to a branch and requested the accounts closed ASAP, the reps including a rep in Wells Fargo executive office referred me again to a branch and as I explained again, can not get to a branch. Previously, I offered to email or fax documents they request but they insist I go to a branch in person. I then requested to close the accounts, however, there is two pending transactions, one of which is a hold on the amount of {$270.00} from a mobile deposit made on XXXX, the other is a debit card purchase in the amount of {$22.00} to XXXX XXXX made on XXXX I believe. According to a Wells Fargo rep named XXXX, accounts can not be closed due to these transactions and insist I go to a branch.. Since I can not get to a branch, it appears I need to sue Wells Fargo for funds owed, unless Wells Fargo will cooperate by removing hold and refunding balances, once pending transactions clear.

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 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: AZ

Complaint narrative:
I have an account reporting from Conserve that is not a valid debt owed to XXXX XXXX University. 

I was forced to flee XXXX XXXX for my own safety. I've appealed the tuition fees that are in collections with Conserve. 

Conserve refuses to remove the false information from my report even if I pay them. XXXX XXXX will not allow me to work with them directly. 

Conserve is damaging my credit with a debt that is not owed and will not remove the negative information from credit reporting even though I told them I was willing to pay it and it was false. 

My debt has not been validated, I have not received any notification of money owed to XXXX XXXX or to Conserve. 

This must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
On XX/XX/XXXX we traded in a vehicle to XXXX XXXX. 
They pay off for the vehicle wasnt revived until XXXX cause Exeter Finance doesnt not have a physical address. My credit report is showing a late payment which needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Bank of America XXXX XXXX I logged onto my Bank of America account and intended to make a payment of {$620.00} in order to pay off my credit card. I accidently paid XXXX so I overpaid by {$5400.00} M Monday XX/XX/XXXX I logged onto my XXXX XXXX and realized that my bank account was several XXXX into overdraft. So, I called Bank of America. A representative from bank of America took my bank routing number and told me that it would take XXXX business days in order to get my refund. 
Wednesday XX/XX/XXXX. I called bank of America. The representative over the phone told me that the original XXXX return was incorrect because each transaction has to be invested for fraud and it could take up to 30 days. 
Wednesday XX/XX/XXXX. I was unsatisfied with the answer I got and called back and asked to talk to a supervisor. I was on hold for more than an hour and was able to get a supervisor on the phone. She took my phone number and told me that she would try to expedite my refund. She never called me back Friday XX/XX/XXXX. I Called Bank of America and talked to a representative. The person over the phone XXXX XXXX that I would be eligible to file a Refund research paper trail report on the XXXX business day which is tomorrow and tried to offer me a 3 % cash back option on the card so at least I could get something out of the deal. I asked to be connected to a supervisor. He told me that he didnt have the ability to do that but he would fill out a request and have someone call me back. This didnt happen. 

This situation has caused financial hardship. Even though I have explained that to each representative. This situation has caused a financial crisis for my family. No one from bank of America is has been able to help despite my persistence. Im disappointed that and ashamed that I live in a country were Bank of America thinks that they can treat customers in this manner. If was only a few XXXX dollars that I would just wait it out but XXXX. No way.

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 2021-06-04 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: NC

Complaint narrative:
I have sent certified letters to the bureau asking them to please send verification of debt that is placed on my report. To date the item still remains with no verifiable proof. Here is the item : XXXX XXXX XXXX  # XXXX. Also US Dept Of Education # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TX

Complaint narrative:
As of XX/XX/2021, it has been 6 months since my Mortgage Loan Account has been closed with a XXXX Balance with XXXX XXXX. XXXX XXXX has failed to provide me with the Law or a copy of the Actual Updated information in which XXXX has illegally reported to Equifax on my behalf causing me harm and lowering my credit score-XXXX points on XX/XX/2021. XXXX XXXX nor XXXX has the Legal Right to Report or update any information pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The financial institution misguided me about the cancellation process for this loan. Since XX/XX/2021 I have been in communication with them to make sure about the balance that I have pending and the number of payments needed to payoff the loan. The guidance from them was that the loan will be paid off in XX/XX/2021 and that the final balance was going to be {$710.00}. When I issued the payment in XXXX, I start preparing to pay off the loan in XXXX. But I received a debt collection letter on XX/XX/XXXX, dated XX/XX/XXXX saying that I had an outstanding balance of {$1600.00} and notifying me that my credit report was affected because of this. This was the first communication I received from them regarding the balance of the loan. Previously I was the one who called them to check this information. I called the financial institution to clarify this because they oriented me that the pay-off balance was {$710.00} and to claim the reason for reporting to the credit bureaus without letting me know first about the issue. In the last years, I have paid on time this loan. It doesn't make sense. Their answer was that the outstanding balance included charges accumulated in the life of the loan. So, okay, I will pay it if I have to, but I have always paid the loan according to the agreement and I also paid in XXXX what I thought it was the pay-off balance. But now my credit score went down XXXX points because of this affecting completely my financial plans and goals in the near future. I need the help of the CFPB to request the bank to remove this late payment in my credit history, because they are not willing to do it.

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 2021-06-04 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: TX

Complaint narrative:
I sent certified letters out over 60 days ago and have not been notified as a consumer I feel these clowns are taking advantage of normal people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have no recollection of a collection that was placed on my account. I have reached out to the company and waited 30+ days after asking for validation with signatures from my name they never responded, however continue to harassing me and call my phone after business hours. Please remove the collection I.C. Systems 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 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account on XX/XX/XXXX I understand that I violated some of their policies however I followed the 180 days hold of the funds which I have on their website.the XXXX $ which was my pay! back on XXXX, then the email of eligible to withdraw the funds came on XX/XX/XXXX which is 180 days, it was early for some reason i don't know why. Then I don't want to withdraw the money yet I wan na create my own bank account first i wan na get things right, so until now XX/XX/XXXX I got my bank account and tried to withdraw my funds so happy and excited, I still cant withdraw it my account is still lock to the teeth, even in their email says for I am able to withdraw funds not just transfer and send money. so please help me, this is so long, I tried emailing them they just sent me a automated one. this is so frustrating. My email linked is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: EQUIFAX, INC.
State: WI

Complaint narrative:
equfax all inquries are freudulant

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
90 Days ago, from XX/XX/XXXX til this day, I am waiting for investigation letters from the bureaus about the MBA LAW account that is a HIPAA law violation, that is reporting on my credit report and I asked for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: PA

Complaint narrative:
I have written to and disputed this account multiple times, and I still have received nothing in the mail at all in reference to it! This is a huge violation of my rights as a consumer. In this country you can not report invalidated information to third parties, as that constitutes defamation. The FCRA explicitly states that I have the right to the information being reported about me to the credit bureaus, they have failed to validate themselves. The FDCPA states I have 30 days to receive validation or the account is moot, they have failed to provide validation of the debt they are reporting. They are in flagrant violation of the rights granted to me. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
On XXXX XXXX Acima credit added a derogatory mark on my credit report per XXXX. Upon further research this account was transferred/sold and am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According FCRA Acima credit has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: DE

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

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

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

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

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

6. Identity Theft 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 2021-06-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent certified letters to the bureau asking them to please send verification of debt that is placed on my report. To date the item still remains with no verifiable proof. Here is the item : ONLINE INFORMATION SERVICE # XXXX. Also US Dept Of Education # 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 2021-06-04 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:
The results of two disputes that were initiated by me the consumer on Experian 's website on XX/XX/XXXX and XX/XX/XXXX for an inaccurate reporting of an account that is reporting closed " by consumer '' is incorrect. 

The XXXX XXXX account is open as an authorized user, and is in good standing. 

On both disputes the results remain the same as saying that this account has been closed by the consumer. 

I have confirmed with XXXX XXXX on XX/XX/XXXX and the Primary card holder that this is not the case. This account is open, in good standing, and I am an authorized user, and it should be reported as such. 

The available amount of credit for this account is {$16000.00}. The balance owed is {$5.00}. This account has never been late. It has been opened since XX/XX/XXXX. All of this information will add good history to my credit account. 

Both XXXX  and XXXX  are reporting this account as open and I as an authorized user.

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 2021-06-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I leased a XXXX  XX/XX/XXXX. I tried to pay through the website XXXX, but could not set up payment with the VIN, as it indicated I could. I needed an account number. I called the dealer but they were not affiliated with the finance company. I contacted the finance company, but they only had my previous car loan information. I sent an email XX/XX/XXXX to customer service through their website requesting an account number and never received a response. On XX/XX/XXXX, I received a phone call from the Hyundai Finance collections department attempting to collect a past due debt. I had to press them to look into the account and they indicated my first bill was issued XX/XX/XXXX, two weeks after the first due date. I had not yet received the bill at the time of the call. When the bill came it showed the account was past due. The collections agent agreed to waive the late charge and took my payment over the phone. I received a phone call XX/XX/XXXX, again from the collections department attempting to collect a past due debt. They told me the XX/XX/XXXX payment was not made. I paid it again, and I paid for my upcoming XXXX payment. Afterward, I examined my bank account, I saw that money was taken from by bank account XX/XX/XXXX, issued to Hyundai Finance. I called their customer service. They told me the payment was not made. After pressing them and some time into the conversation they found they had applied the payment to the wrong account. I was told a refund would take 30-45 days to process. I am without this needed money and they will not return it for 30-45 days. How can this be legal? How can a finance company be this incompetent? Surely this company is not following guidelines. Something should be done to prevent them from operating in this way. They did not provide a method to pay, then harassed with collections, then took money and didn't apply it to the account, and then refused to return the money for 30-45 days.

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 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received an offer from AMEX regarding a XXXX  line of credit. I applied using my federal ein. the application asked for my social security number and specifically stated it was for identification purposes. My understanding is that the XXXX  was applying for credit and not me personally. I was then declined and was given the reason that my personal credit score was too low and received a hard hit on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days later I have not received a response yet I feel like I am been taken advantage of and ignored of my disputes. Section 61 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from y credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I provided WF with screen shots of the trial deposits being made into the external account and screenshots of the entered amounts as trial deposits. Wells Fargo has refused to acknowledge those deposits by returning the message that it doesn't match what they deposited however the picture shows that is a lie. Wells Fargo has suspended my account and refuses to provide a resolution. They now are blaming the external institution and saying that THEY are the one preventing the link from happening. I've contacted the external institution on several occasions and they deny these accusations because as you can clearly see from the screenshots, the deposits are being made. If they were blocking this process then the deposits would not be made nor would I see it as activity posted to my account. So, yet again, Wells Fargo lies!

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