vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX my unemployment account was compromised and my direct deposit got changed to a individual that I don't know. Who account number I received from the originator. XXXX. I called wells Fargo since it was one of there accounts. They were not trying to help even after I got a hold of the account numbers. My money is being deposited into another person account and is causing me finicial harm. The customer service was very rude and will protect the fraud person. Saying they are the only bank that lets people deposit checks thats not in that persons name.

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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am unable to pull my Equifax report. Company is saying that this is because of my existing fraud alert. 

Additionally, there are 2 addresses listed on my previous address secition. One is an address in Indiana. I've never lived in Indiana. The 2nd address is an address on XXXX XXXX That address is not mine either. It, in fact is a place of business. It is not a residential address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: OR

Complaint narrative:
I had a credit card with BBVA Compass. I was not aware that I owed a balance on this card. I received a letter from a Debt collection company regarding a balance due. I called BBVA and they would not assist me nor tell me anything regarding this dispute, they transferred me to the debt collector, which I explained that I am not aware of owing BBVA any money, they informed me that I could not talk to BBVA and I could only talk to them.

I have not received a bill, email or phone call from BBVA regarding this dispute so I'm
confused as to why they will not assist me in resolving this matter and require me to handle with the debt collector. 

I have requested from the debt collector a statement regarding this dispute, BBVA refused to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
this account was charged off more than 180 days ago in accordance to the federal law if something was charged off more than 180 days it is illegal for the original debtor to sell that to a third party collection office and they have received a tax credit and it is illegal to double dip i am insisting that this be removed off my credit within the next thirty days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc.
State: PA

Complaint narrative:
Key 2 Recovery has repeatedly called me on my work number. From the number XXXX XXXX XXXX XXXX. At one point they were calling every day. I can't have my work line tied up with this type of call when it could interrupt customer support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The FCRA 15 USC 1681 states that our consumer reports/ Credit reports are our reputation. 

15 USC 1681b ( a ) In General Subject to subjection any consumer reporting agency may furnish a consumer report under the circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

My rights as a consumer are being violated repeatedly by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: IL

Complaint narrative:
XXXX charged me {$810.00} for a item I never received and it is still on my credit report from Experian and other Credit Agencies 2 months later I've made several phone calls to the reporting Credit Agencies also to XXXX XXXX corrected that are on that end yet Experian and other Credit Agencies I still reporting inaccurate information after I told him over and over again that balance was incorrect they didn't investigate him and said it was accurate two or three times this is absurd legal actions need to be taken

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 2021-07-20 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: NV

Complaint narrative:
I been calling the major credit bureaus XXXX, XXXX, Equifax and XXXX to dispute fraudulent and unauthorized information in my credit report. 
The bureaus refused to remove that information several times, when I call them they always hang up on me and make very difficult the dispute process or dont respond to me letters with the requests. 
Attached my request in a pdf document. 
I am requesting help from CFPB so the credit bureaus can remove the fraudulent inquiries and fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: OH

Complaint narrative:
Equifax sent me a stall out letter saying that they couldn't find my credit file when I sent in my two supported documents with my dispute letter. But I disputed an account that they furnished into my consumer report without my consent. They are in violation of USC1681b and those accounts need to be removed. In my letter I asked forA CONTRACT WITH ME AND EQUIFAX SHOWING THAT I GRANTED THEM PERMISSION TO FURNISH THE LISTED REPORTS BELOW ONTO MY CONSUMER REPORT ( PLEASE HAVE SENIOR EXECUTIVE WRITE IN AFFIDAVIT SHOWING PROOF THAT I GRANTED THEM PERMISSION TO FURNISH THESE ACCOUNTS. Failure to provide me documentation of my signature giving them permission, I need the accounts i listed removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, ME XXXX XXXX Brief description : Claim against TD Bank , N.A . 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX T : XXXX Claim Number XXXX On XX/XX/2021 I received text messages to my cell phone that stated they were from TD Bank Fraud Department, claiming someone was accessing my account and to verify some transactions. I was apprehensive to answer the texts so I ignored them.

Next I received a phone call with an automated voice recording claiming they were calling from TD Bank Fraud Department and to press 1 to speak to a representative.

I pressed 1 and the caller confirmed/verified all of my identity for me, I did not provide it. They claimed that I did not respond to the text and were concerned, that is the reason for the call.

The caller then explained that there were transfers being made on my account and to verify that they were not mine, the caller would send me a text code and I had to read the code back to them.

This went on for about 4 texts and was taking a very long time so I told the caller I was going into the Bank to speak to them about this. The caller advised I NOT go into the bank as they couldn't help me because this was an online issue. 

This is where I became very concerned and went into the bank to meet with the fraud security department. I showed them the back to back texts that were clearly from TD BANK FRAUD Dept. and the phone log from the caller stating they were from TD Bank.

The Fraud Security person looked into my account and there were 4 transfers made back to back and correlated with the timing of the texts. This was clearly fraud and a scam.

TD Bank has done nothing to refund my {$990.00} and claim that fraud did not occur.

I have filed 2 complaints with them, they claim the first complaint was filled out incorrectly so I filed a second time. Both were found to not be fraud. 
TD Bank is doing nothing to protect my account or provide any type of refund. 

Coincidently, the fraudulent activity began after using my card in the local Target Dept. store. 

I hope you can help me with this. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$800.00}, {$1600.00}, {$1900.00}, {$590.00}, {$0.00}, {$900.00}, {$6000.00}, {$1200.00}, {$1100.00}, {$110.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX BAN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX BANK XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

5. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$590.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

9. XXXX FUNDING with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, I wrote a check to myself from a credit union account to deposit into my Citibank checking account, and I deposited it that day. I do this frequently as it's the simplest way to transfer funds from home during a pandemic. On this occasion however the check bounced because an automatic payment hit the same day for more than I anticipated. I was {$20.00} short, and the more than {$5000.00} in my saving account at the credit union was not linked, so it didn't help. Okay, my bad. Citibank reversed the deposit and charged me {$29.00}. Fine. THEN, on XXXX XXXX I wrote another check from my credit union to cover the bounced check and a bit more. Suddenly I can't sign in to my Citibank account, I can't get cash from an ATM, and it takes several calls to Citibank before I am finally told that they suspected fraud on my account. They have frozen the account for 2 weeks. I can't even SEE the funds I have in the bank, much less access them. What's more, the second check has cleared my credit union account and funds are almost certainly in my Citi account now. I don't believe that Citibank has any reason to believe I bounced a check on purpose, and the amounts are relatively low, under $ XXXX. I am not a criminal and they have no reason to suspect I am. Aside from my several calls to them, Citibank has not notified me that the account was frozen or why, nor could they explain why I can't even sign into my account. If this is legal, it shouldn't be. I plan to change banks as soon as this is cleared up, but I also want to go on record objecting to this practice as an abuse of power, unnecessarily punitive, bad business practice and extremely inconvenient to a customer who has been with them for many years. I can understand Citi freezing the second deposit until it has fully cleared. That seems fair. Freezing me out of my checking account including other funds I need should be illegal or only used when there is strong evidence of a crime. In this case there is none.

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 2021-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MCMC Auto LTD
State: TX

Complaint narrative:
I have asked to speak with members of management several times and have been denied, they failed to discuss hardship request Regarding vehicle malfunction that was supposed to be covered by wasn't, account managers are rude and unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: PRANCER CAPITAL CORP
State: NC

Complaint narrative:
XXXX XXXX, dba XXXX XXXX XXXX XXXX paid Prancer Capital Corp the sum of {$11000.00} for the payoff of XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. Ms. XXXX traded her vehicle at our dealership on XXXX. Our dealership paid off her trade-in to Prancer Capital Corp on XXXX. The check was cashed by Prancer Capital Corp on XXXX. MsXXXX XXXX and myself have reached out to Prancer Capital Corp. several times requesting the release of the title. As of today, we still don't have the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: IL

Complaint narrative:
XXXX charged me {$810.00} for a item I never received and it is still on my credit report from XXXX and other Credit Agencies 2 months later I've made several phone calls to the reporting Credit Agencies also to XXXX XXXX corrected that are on that end yet XXXX and other Credit Agencies I still reporting inaccurate information after I told him over and over again that balance was incorrect they didn't investigate him and said it was accurate two or three times this is absurd legal actions need to be taken

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 2021-07-20 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: IL

Complaint narrative:
XXXX charged me {$810.00} for a item I never received and it is still on my credit report from XXXX and other Credit Agencies 2 months later I've made several phone calls to the reporting Credit Agencies also to XXXX XXXX corrected that are on that end yet XXXX and other Credit Agencies I still reporting inaccurate information after I told him over and over again that balance was incorrect they didn't investigate him and said it was accurate two or three times this is absurd legal actions need to be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
15 years ago, while living in XXXX Illinois I had a 5/3rd account, chec/ saving with overdraft protection. I over drafted my checking by XXXX cents I was notified by 5/3rd that I had 24 hours to bring account current, please note there was 10-15 dollars in savings account during this time. I went to ATM in XXXX XXXX and put XXXX dollar into checking account for the XXXX cents. I contacted Vp of account services XXXX XXXX or XXXX for XXXX XXXX and my banker on XXXX XXXX and XXXX XXXX XXXX. Now 5/3rd is suing me with threats about shutting down my checking privileges due to their error. I have tried calling staff wont give corporate number or contacts, refusing to give appropriate info, letter written to XXXX XXXX or XXXX. Their lawyers number is XXXX XXXX now they are saying I over-drafted my account by over XXXX. 5/3rd was paid their XXXX cents in a timely manner and they kept the money in accounts when I closed them years ago. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: NV

Complaint narrative:
I been calling the major credit bureaus XXXX XXXX, Equifax and XXXX to dispute fraudulent and unauthorized information in my credit report. 
The bureaus refused to remove that information several times, when I call them they always hang up on me and make very difficult the dispute process or dont respond to me letters with the requests. 
Attached my request in a pdf document. 
I am requesting help from CFPB so the credit bureaus can remove the fraudulent inquiries and fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consolidated Management Group, LLC
State: CA

Complaint narrative:
A company named " consolitated management '' based out of XXXX AZ keeps calling my place of work ( will call 10-15 times an hour ) from multiple numbers saying I owe XXXX on a debt from XXXX. I have checked my credit report and the company they claim I owe is on there. There is a specific number ( XXXX ) that calls alot and today " XXXX XXXX '' called. He was screaming, using profanity, called me a XXXX  and a XXXX, and that he was a " locator '' coming to process me with papers for " breach of fraud ''. I have talked to attorneys and they told me this company is bogus and that the multiple calls, threatening of processing, and the harassing and XXXX calls are against the law. The " corporate '' office number is XXXX. I told them that they need to send me a certified letter since I have never gotten anything about this before, and " XXXX XXXX '' at the corporate office told me that the paperwork is what the locator is trying to serve me with, that he can not send me anything, and that not all companies that collect your SSN will report to the credit bureaus. 

I just want their calls to end and quit harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: GA

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any 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 explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Need to depsute fraudulent inquiries on equifax credit reports asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Western Funding Incorporated on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but western funding incorporated took cash. The Finance charge is suppose to include insurance, but western funding Incorporated made me purchase insurance separately.

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