vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2023, I was alerted to fraudulent use of my debit card by Wells Fargo ( " WF '' ) as someone was attempting to use my debit card with the INCORRECT PIN number. I immediately contacted the bank, cancelled my card and reported the fraudulent transactions ( Claim # XXXX ) and ordered a new card. WF has now decided that the charges were not fraud because my PIN was used. To be clear, these transactions had no PIN use nor PIN use requirement ( i.e. XXXX and XXXXXXXX XXXX ) so clearly can not be stated that I authorized them as such. Additionally, these charges are very unusual to my account, they are not local, they are not to vendors I use on my account and they all fall within hours of WF, themselves, notifying me of fraud. I have attempted to speak to management about the decision but have been told that the only recourse I have at this time is to take them ( either the vendor or Wells Fargo ) to small claims court. This has been a repeated issue with this account and banking institution. I have repeatedly asked WF to do a more thorough investigation into the matter so that I can press charges on the person ( s ) doing this fraud but to no avail and now they leave me holding the bag with literally the only advice being " be safer with your card '' which feels like a non-option here.

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 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
I have been calling Mary Jane Elliott office to get information and proof of the debt Im being told I owe but Im getting voting. I have called them for over 5 years. Every year I get my taxes garnished and Im told there is nothing I can do about it unless I pay off the debit but I was told from the company the debit is from years ago that they debt wasnt owed. Im not getting sent any proof of date or payment history when asked and was finally told I can dispute it. I asked for some confirmation and they told me I couldnt get it and wouldnt receive a follow up call. All they will do is let the lawyer know I want to dispute it and thats all that will happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
in the month of XX/XX/XXXX I applied for an avant credit card and it was approved and while waiting for the card to arrive I received an email notification from avant customer service concerning a change of phone number request, I immediately contacted avant customer service and advised them that I made no such request and that I haven t received the credit card in the mail yet, they informed me that credit card ending in XXXX had been activated and purchases had been made I advised them that the card had never arrived and must have been intercepted in the mail and that they should cancel it and send me a new card they said they would cancel it and resend a new card to the same address and it should arrive in seven to 10 business days which would have been XX/XX/XXXX, however on XXXX the XXXX I received another email from avant stating that my new card ending in XXXX had been activated, I immediately contacted avant customer service and advised them that I had not activated nor received any credit cards and that the card had again been stolen from the mail and to cancel it, i provided them with my sisters address and asked that all correspondence by mail be sent there they mailed me a new credit card ending in XXXX to my sister address but they added all the stolen card charges to the card so I refuse to activate it, they also claimed to have conducted an investigation case XXXX for XXXX, case XXXX for XXXX, which they claimed to have uncovered evident of my activating and using the XXXX stolen cards but refuse to provide the results, they also refused to provide the stolen credit cards numbers for the police report filed for the stolen cards complaint XXXXXXXX XXXX percent XXXX, they are billing me {$1800.00} for credit cards that I never received nor activated and have damaged my credit with the XXXX credit bureaus because of my refusal to pay.i also filed a report online ne with the FTC concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: MD

Complaint narrative:
Hello my name is XXXX XXXX I have submitted disputes for false inquiries on my credit report with Experian, XXXX and no change has happened. Leading me to have to freeze my account. I am now at in which i feel as i am being taken advantage of with no support

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 2023-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
They said I did not pay my mortgage but I did! During my loan modification but it was not reflected on my mortgage and they charged me extra fees on my modification process! So I need my credit score to refresh the correct score thanks I would love to get rid of my insurance PMI on my fed loan I would appreciate it! How do I go about doing that thank you! Regards 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 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
18 U.S.C 1028 No consent to share my information at all!!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Total 3= {$3000.00} 18 U.S. Code 894 - Collection of extensions of credit by extortionate means Total 3= {$4000.00} 15 U.S. Code 1681o - Civil liability for negligent noncompliance Total 10= {$10000.00} 15 U.S. Code 1681n - Civil liability for willful noncompliance Total 10= {$10000.00} 15 U.S. Code 1681b - Permissible purposes of consumer reports Total 5= {$5000.00} Over {$30.00}, 000 Violations and I want to know why exactly you will not remove the fallowing accounts please send me something in writing as I am bringing a civil suit against Transunion. How this information is verified as accurate if I can prove that you are reporting inaccurately!! 

XXXXXXXX XXXX XXXXXXXX " PAST DUE BALANCE OF {$1800.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

THIS ACCOUNT ALSO SHOW INCORRECT PAYMENT XXXX XXXX XXXX WHICH ARE GROUNDS FOR DELITION -- -- - VIOLATIONS FOR THIS ACCOUNT {$5000.00} XXXX XXXX XXXX " PAST DUE BALANCE OF {$450.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

THIS ACCOUNT ALSO SHOW INCORRECT PAYMENT XXXX XXXX XXXX WHICH ARE GROUNDS FOR DELITION -- -- - VIOLATIONS FOR THIS ACCOUNT {$6000.00} XXXXXXXX XXXX XXXX  PAST DUE BALANCE OF {$820.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

THIS ACCOUNT ALSO SHOW INCORRECT PAYMENT XXXX XXXX XXXX WHICH ARE GROUNDS FOR DELITION -- -- - VIOLATIONS FOR THIS ACCOUNT {$5000.00} XXXXXXXX XXXX XXXX PAST DUE BALANCE OF {$1200.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

THIS ACCOUNT ALSO SHOW INCORRECT PAYMENT XXXX XXXX XXXX WHICH ARE GROUNDS FOR DELITION -- -- - VIOLATIONS FOR THIS ACCOUNT {$5000.00} XXXXXXXX XXXX XXXX  PAST DUE BALANCE OF {$140.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

VIOLATIONS FOR THIS ACCOUNT {$2000.00} XXXXXXXX XXXX XXXX  PAST DUE BALANCE OF {$510.00} " THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

VIOLATIONS FOR THIS ACCOUNT {$2000.00} XXXXXXXX XXXX was never late on this account delete it asap!!

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Tried to cancel credit freeze for credit card application and was successfully logged on line for 72 hour unfreeze. XXXX XXXX XXXXXXXX representative states my account is frozen but dont worry, I will connect you to transunion and you may verify your self in order to lift freeze. I will remain on the line until you qualify. The lady, whom I believe was called XXXX, a XXXX  speaking women assured him, I want to say his name was XXXX that My report was unfrozen and XXXX agent again questions her stating that it was still frozen. She hangs up and says dont worry! I v seen this before and it is probably a delay I will wait until the next day and run it and return to you via phone call. 
Well I just received a letter from XXXX XXXX XXXXXXXX stating due to my credit freeze that I could not be extended credit due to no access to my credit report. 
Shameful and these are the same people who were compromised with all my personal info.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/, I attempted to withdraw {$500.00} from the Fifth Third Bank ATM at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX around XXXXXXXX XXXX. Unfortunately, the machine asked me to " Please take your cash '' but there was no cash available. I filmed this incident occurring for about 20 seconds before stopping the video. The transaction was cancelled and I assumed the issue would sort itself out. 

A few days later, I checked my statement and noticed the {$500.00} had been deducted. I immediately filed a dispute with Fifth Third. After 30 days, the dispute was denied. I called Fifth Third to ask for more information and was told the audit of the machine didn't indicate any transaction errors, but they offered to review the video, which I sent to them, and make sure they reviewed the correct machine. To date, I've heard no response - not even an acknowledgement that my case has been reopened. Additionally, they have not offered the {$500.00} as a provisional credit while their re-investigation is ongoing. 

The dispute number is # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 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: IL

Complaint narrative:
I sent a letter out a couple of months ago around XX/XX/2021 to Experian, XXXX, and XXXX. However it been more than 30 days and the credit bureaus failed to send my investigation back. Which was confusing. I went to my locale Police Department and filed a police report ( Case Report Number : XXXX ). I was scared that if I didn't take care of the matter I would continue with seeing new and old fraudulent charges being added to my credit report. 

Documents will show that accounts like XXXX XXXX Co was open and charged without my authorization. Section 7 ( 1-C ) of the Freedom of Information Act ( 5 ILCS 140/7 ) from Ch 116, par.207 ), notes as, " Unwarranted invasion of personal privacy. '' This is defined as " the disclosure of information that is highly personal or objectionable to a reasonable person and in which the subject 's right to privacy outweighs any legitimate public interest in obtaining the information. 

Also according to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer notifies the agency directly, or indirectly through a reseller, of such disputes, the agency shall, free charge, conduct a reinvestigation of determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I Would like all charges that aren't from address XXXX XXXX XXXX XXXX, IL or any other incorrect information to be removed from my credit report immediately. To prevent other fraud or any unauthorized transactions from happening.

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 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX have submitted multiple fraudulent cases against me through XXXX XXXX Court. The first case docket # XXXX XXXXXXXX XXXX for a credit card i never had and Wells Fargo XXXX XXXX i contacted them when i received a wage execution and I informed them this account doesn't belong to me and i never lived at that address. I was the victim of ID thief several times I was sent a packet and affidavit which i completed and sent a copy of the police report certified return receipt mail which i did get back and XXXX said they dont have it i told her someone signed for it and they still continued to harass me and try to garnish my wages. Fast forward this company sent me another wage garnishment for another account now with Wells Fargo that also doesn't belong to me, I called the office spoke with XXXX XXXX and explained to her i sent everything they requested from the first case forward it to this new case. I lived at the same address for XXXX and has never received not one notice from them other than the wage execution notice. Which is strange because they have my correct address. Every 6 months to a year im fighting the courts for these random judgements from different NJ counties and im not aware they even exist and when you contact these companies your victimized and treated like a criminal. All my reports are frozen and somehow the fraud manages to get through. Here i am again spending money to file motions to prove I'm the victim and the courts collect the filing fees and allow these debt collectors to file motion without proof is ridiculous. I think these debt collectors are doing name searches instead of doing due diligence. It doesn't belong to me. I am the victim.

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 2023-02-15 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: Credit Service, Inc
State: LA

Complaint narrative:
I was trying to rent an apartment and noticed there was a collection on my credit report stating I owed a company by the name of XXXX, I was never notified of this, this is un-verified, I have tried calling the company and disputing this as well to get if off my report. This is a defamation to my character and has also created issues for me. It is also my understanding that under fcra 15 u.s.c 1681 any of unproven, non-compliant, incomplete, untrue, and or un-verified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. 

XXXX Acct # XXXX XXXX {$1800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
FEDERAL CRIME OF IDENTITY THEFT 18 U.S.C 1028 I going over my credit report and encountered soft inquiries which I did not allow I am coming to fix this issue before I file a civil suit. 

I never authorized BOA to run my credit : I demand compensation for this cause. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports I am willing to forgive this incident for the amount of XXXX with in 10 days of XXXX  since this is an emergency

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 2023-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have a Wells Fargo credit card account that I received through XXXX XXXXXXXX in XXXX XXXX WA. It is XXXX interest for 5 years. I am paying {$300.00} a month, slightly more than the minimum payment. The payment is due on the XXXX of each month. I utilize my online bill pay through another bank to pay this. 

One of my payments posted on the XXXX of the month and the other posted on the XXXX of the month. Wells Fargo stated that they could only reverse one fee but not the other. Their reasoning was that it was a XXXX interest account and the payment had to be posted on the XXXX, and stated in their disclosure. I got this credit card through the furniture store and no discussion about fees was had ; simply the XXXX interest. These discussions should be had prior to getting these types of cards.

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 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mid-South Adjustment Co., Inc.
State: CA

Complaint narrative:
i received a letter in the mail from Mid-South Adjustment Co., they said I owe money to The Department Of Veteran 's Affairs. My federal tax refund went to them not me, {$200.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
I purchased almost XXXX plus used vehicle XX/XX/XXXX through Simmons Bank with a loan agreement. Provided proof of insurance through the car dealership that no longer exist to them under Tennessee Law, it is a must or you can not remove the vehicle from the car lot. 

Fast forward to XX/XX/XXXX, I received a letter from Simmons reporting that I need to provide them with proof of insurance from the day of purchase. I thought it very strange of them requesting a Declaration Page from my former insurance company knowing my last payment is coming up the following month and that so many years have passed that I will have difficulty retrieving this proof.

Since then, no resolution has occurred between us, Simmons has started reporting negative payments on my credit report knowing this is about insurance and that I do not owe them anymore payments. I have asked them to stop this action because it is fraudulent, misleading and inaccurate information. This has created a hardship for me, as I am in the process of purchasing a property and applying for extended lines of credit.

Company response to consumer: Closed with explanation