vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I have two business checking accounts, a business line of credit and business credit cards as well as a merchant account through BB & T. With my business checking account I have an overdraft protection set up to pull funds from my business credit card account and add them to my checking account to avoid any fees associated with any overdrafts. Well this has not been the case. I have been being charged overdraft fees for years on my account. I have contacted many different representatives about this issue in person as well as on the phone. Each time all I get is we will look into it. It will take a while if it has been a few years of charges. NO ONE has ever gotten back with me about these charges. I am being charged fees on my c/c as well as my checking account. There is no overdraft if they pull the funds from my credit card account. This is in their overdraft protection services policy. I am a small business owner and these fees are astronomical. No I can understand how they have all of this money to donate. Because they are illegally taking it from their customers. I can't just change banks. Not with all of the lines I have open. This needs to be fixed. I am sure it is not just me having these issues.

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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted TransUnion multiple times about this account and they refuse to verify or delete this account. I have provided them with documentation showing how other bureaus were not able to verify this account as being mine. Also the balance that TransUnion is reporting is not the same as the actual creditor is reporting. TransUnion has not provided me with any documentation showing this account is mine. Also they have reported that my identity have been used to open accounts in my name, so with them not providing documentation to show this account belong to me, makes it seem like they just want the money from the creditor reporting this XXXX information rather than actually completing a thorough investigation. If that is the case I will have no choice but to take legal action against TransUnion.

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 2019-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Utah System of Higher Education
State: VA

Complaint narrative:
I couldn't find a job to repay my loans i coundnt get back in to school

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$0.00}, {$4000.00}, {$5000.00}, {$0.00}, {$6600.00}, {$1600.00}, {$2000.00}, {$1500.00}, {$0.00}, {$680.00}, {$11000.00}, {$790.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX  XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$2000.00} -This is not my account. 

9. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- COLLECTIONS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$680.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$790.00} -This is not 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 non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$0.00}, {$4000.00}, {$5000.00}, {$0.00}, {$6600.00}, {$1600.00}, {$2000.00}, {$1500.00}, {$0.00}, {$680.00}, {$11000.00}, {$790.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN  ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$2000.00} -This is not my account. 

9. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- COLLECTIONS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$680.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$790.00} -This is not 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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$0.00}, {$4000.00}, {$5000.00}, {$0.00}, {$6600.00}, {$1600.00}, {$2000.00}, {$1500.00}, {$0.00}, {$680.00}, {$11000.00}, {$790.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX  XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$2000.00} -This is not my account. 

9. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- COLLECTIONS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$680.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$790.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 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: CA

Complaint narrative:
I have been unable to obtain any resolution from Experian regarding an erroneous reporting BK on my credit report. Experian conducted an initial investigation into a supposed BK reporting on my credit file back in XX/XX/2019. The result of that investigation was based on information obtained through XXXX who somehow had a BK against my name n their file in error. Since that initial investigation was complete, I have since corrected the errors with XXXX. Even though I have requested on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) for a re-investigation into the matter, Experian has refused to re-investigate. Additionally, their Online system will not allow me to submit any dispute and their call center representatives will not take a dispute from me. I even filed a CFPB complaint back in XX/XX/XXXX, to which Experian completely stonewalled and provided no substantive response whatsoever. Similarly, the CFPB accepted their lack of response and closed the case without checking with me first.

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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was trying to buy parts on XXXX and sent money through Wells Fargo transfer, after the transfer the seller just blocked me and no response, I called my bank Wells Fargo and told them the situation. I sent money thinking I'm safe because its a bank transfer but im out of money and no parts either, please help me get my money back. I sent XXXX $ on the XX/XX/2019

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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not 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 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I put through Fraud for XXXX XXXX several times at the time and Wells Fargo refused to credit me. XXXX gives so much attention to XXXX XXXX XXXX XXXX  but not when fraud is reported, see below : Fw : XXXX XXXX  Fraud-never approved amount RECEIVED YOUR EMAIL / XXXX / XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : " XXXX '' XXXX Sent : Tuesday, XX/XX/XXXX, XXXX XXXX  CST Subject : XXXX XXXX  Fraud-never approved amount RECEIVED YOUR EMAIL / XXXX / XXXX XXXX -- - On Tue, XX/XX/XXXX, XXXX XXXX XXXX wrote :  From : XXXX XXXX XXXX Subject XXXX Fw : RECEIVED YOUR EMAIL / XXXX / XXXX XXXX To : XXXX Date XXXX Tuesday, XX/XX/XXXX, XXXX XXXX  -- - On Mon, XX/XX/XXXX, XXXX XXXX wrote : From : XXXX XXXX Subject : RECEIVED YOUR EMAIL / XXXX / XXXX XXXX To : XXXX Date : Monday, XX/XX/XXXX, XXXX XXXX  We received your email - will place it for Scanning to your claim. 

Should you need further detail or an update on your claim, please feel free to call our toll free XXXX ( M-F, XXXX ) Thank you - DCO Mailbox " This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply e-mail and delete this message. Thank you for your cooperation. '' From : XXXX XXXXr [ XXXX : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX  To : DEBIT CARD OPERATION Cc : XXXX Subject : Ref : XXXXFRAUD To Ladies and Gentlemen, I spoke with XXXX of your department today, ID : XXXX. 

I told her this is FRAUD. I did not approve this transaction amount. 

This was supposed to be credited to my account months ago. 

I have been cooperative as you requested. The merchant did not call me as your department has requested. 

THIS IS FRAUD. 

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 2019-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
The account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, my account was sold to XXXX XXXX XXXX. 
Also, the account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, this account was also sold to XXXX XXXX XXXX. 
XXXX XXXX is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). ****I am seeking the last payment made to both accounts****. They are restarting a debt clock.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: SC

Complaint narrative:
The account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, my account was sold to XXXX XXXX XXXX. 
Also, the account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, this account was also sold to XXXX XXXX XXXX. 
XXXX XXXX is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). ****I am seeking the last payment made to both accounts****. They are restarting a debt clock.

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 2019-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: AE

Complaint narrative:
I had been storing my car at a small storage facility in XXXX, S.C. 
XXXX XXXX XXXX  XXXX, XXXX for approximately 2 years. Originally, I did not believe there was a written agreement ; however, after contacting my mother, who had power of attorney, she provided me with a written agreement which was signed by his father, who also had power of attorney authority. I had spoken to someone who worked at the storage facility on multiple occasions and the person that I spoke to stated that I could pay the payments monthly, every six months or yearly. I believed I owed 2-3 months ' fees, I previously paid sometimes monthly, sometimes 6 months ' at a time, it varied. Without notifying me, the storage facility decided to repossess my car. It is my understanding that the storage facility called my lender, GM Financial, for the loan that is still on his car to tell the loan company that I hadn't been paying and to come get the car. To date, the storage facility has not notified me that I was late on payments, has not notified me that they intended to repossess the car, and never gave me an opportunity to come up-to-date on my payments. It is my understanding that the car was repossessed without a court order on XX/XX/XXXX, I believe that the lender repossessed the car, without notifying me, and it was brought to an impound lot. I then received a notice, on XX/XX/XXXX, dated XX/XX/XXXX giving  me an amount to pay the car off including repossession fees. At this point, I have the name of the impound lot, but I can not get in touch with them. My car is going to be auctioned off on XX/XX/XXXX. I believe that the storage facility violated Section 3958 of the SCRA and several other state and federal laws and that GM Financial also  violated section 3952 of the SCRA. GM Financial refused to provide me information on where my vehicle was located or any information about the repossession until XX/XX/XXXX stating that I had not " applied '' for my SCRA rights.

Company response to consumer: Closed with monetary relief