vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was contacted by XXXX XXXX stating I was approved for a loan and for good faith I needed to purchase a gift card for All things XXXX because she deposited a mobile check in my account. I verified that the check was actually deposited in the amount of {$490.00} she stated that I needed to purchase the gift card and take a picture with my phone and send it to her, in which I did. She then called me again and said that by mistake she sent another check. I told her I didn't receive another check from her on XX/XX/XXXX. She said I still needed to purchase another gift card and I told her I would not do that. The next morning she called me and said I should check my account which I did and the other check for {$490.00} was in fact there so I did what I was asked to do and purchased another XXXX gift card. She then called and said I needed to pay a funding fee for the loan and I told her to take the fee out of the loan proceeds and she said she couldn't do that and that is when I realized it was a scam. I am trying to get back the {$1000.00} I paid to this person who said she was from XXXX XXXX XXXX which I looked up before I did anything to make sure I wasn't being scammed and it is a legit company. I have been denied twice from Wells Fargo to get the {$1000.00} back. I am the one that notified Wells Fargo that it was fraud on my account and they didn't notify me until XX/XX/XXXX that the checks were fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian breached my account and now my SSN is on the dark web. They are suppose to provide FREE monitoring of my credit accounts due to their fault of breaching my private information. I am a XXXX and don't have time to follow up on incompetent reporting-that should be your job. They decided to charge me for a membership and refuse to remove it or reimburse me. I called them XX/XX/2022 and notified them of this. They just hung up. Tired of their manipulation. Can you not take action to protect the citizens of their flagrant actions. I don't have time to babysit and enforce the perform their jobs. Again that is your job. They need to be fined for incidences like this. Please take care of this. Also XXXX continues to report decreases in my credit usage due to daily use of my credit cards but fails to report when my credit card usage increases, when the credit cards are paid off. For instance they say they update daily, which is false, because Experian reports the decreases a week prior. The CFPB needs to step up and take action to protect the citizens and start fining and penalizing these incorrect actions. These inaccurate reports affect my business. Do something rather than just send letters and cater to their incorrect reporting and misinformation.

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 2022-03-11 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: Synovus Bank
State: FL

Complaint narrative:
Ive sent in several dispute over the past six months. For some strange reason first progress XXXX XXXX bank continues to ignore my dispute as soon me letting him know that I never on these credit cards they were open as fraudulent someone stole my identity not sure why I have to keep continue to do these speeds at this point Im not sure what else I need to do feel like my back is against the wall so therefore I will be making a complaint with the attorney generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MS

Complaint narrative:
Equifax, overnight, has removed EVERY account from my credit report with them. I now have zero accounts of any kind showing on my Equifax credit report. They removed 25 accounts of all types ( revolving, mortgage, loans, etc. ). I have called them multiple times to try and fix this and they keep coming up with excuses as to why it is my fault. None of the other credit reporting companies have done this. My credit score went from XXXX to XXXX overnight with Equifax and they show me having zero credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: TN

Complaint narrative:
XXXXXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX or my wife, XXXX XXXX XXXX Sometime in XXXX XXXX an erroneous charge in the amount of {$220.00} ( originally {$340.00} ) from XXXX XXXX appeared on my credit report XXXX stating that my account was in collections ; however, Ive never had XXXX XXXX  I have had XXXX from around XXXX through XX/XX/XXXX, at which point we moved and switched to XXXX. Ive attached my XXXX payments XXXX through XXXX for your reference. 
On XX/XX/XXXX, I submitted an online dispute through Experian and on XX/XX/XXXX I submitted an online dispute through XXXX. Both companies claim they verified the XXXX XXXX collection and stated it is accurate. The week of XX/XX/XXXX, I called XXXX XXXX multiple times and they could not find me in their system anywhere yet refused to remove the collection from the credit bureaus. On XX/XX/XXXX, I called XXXX XXXXXXXX XXXX, the collection agency, provided on the credit report, they cant find me in their system either, yet also refused to remove from my credit report. 
The week of XX/XX/XXXX, I also called XXXX and Experian and spoke to both directly. They would not remove from my credit, nor would they give me another option other than filing an online dispute. As stated, that has already been done and they confirmed its accurate so its obviously pointless to do it again. Ive since learned that the verification process is a computer talking to another computer and it rarely results in accuracy, because both are fed the same inaccurate data! 
What do I need to do to get this off my credit report and my good credit re-established? When you look at my report, I have exceptional payment history, why would I not pay a {$220.00} Dish bill. I was even willing to pay it just to get it off my report, but I can't pay it because it nobody can find me. I am self-employed and this is preventing me from getting the funding I need to complete the project Im working on. My score was XXXX and it is now 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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My minor son was robbed at gun point and was forced to make ATM and XXXX transactions for {$4400.00} against his will on XX/XX/2019. I contact the police and provided evidence proving he was robbed. Bank of America and XXXX XXXX XXXX responded to him and I saying we were responsible for fraud and closed the account. I reached out to the Bank of America and XXXX XXXX XXXX again on XXXX XXXX, asking them to reopen the case for review, and as of this date we have not received a response from Bank of America. This incident has affected me. I am a victim not a criminal. As of this date, I still have an active account with Bank of America with all access. However, Bank of America have notified other banks not to bank with me. I have been with this Bank of America for at least 10 years and is currently using this bank now.

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 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX had a Capital One limit of {$3200.00}. I been subject to a fraudulent operation on which a Third Party XXXX XXXXXXXX XXXX XXXXXXXX XXXX, contracted me and made me purchase products using my capital one credit card without being reimbursed totally. 
During this fraudulent operation, XXXX XXXXXXXX XXXX XXXXXXXX XXXX made me purchase goods in excess of {$10000.00} with only partial reimbursement of {$5500.00}. 
Capital increased the credit limit without any warning to make aware me of the fraudulent operation. thus allowing account balance to exceed limit. Mi original credit limit is {$3200.00} Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, we received approval from Mr Cooper for a mortgage modification in which the maturity date was XXXX XXXX. On XXXX XXXX, we got the final paperwork and the maturity date changed to XX/XX/2035. Numerous emails with Mr Cooper rep indicated that the mortgage investor changed the terms of my mortgage from a 30 yr mortgage to a 13 yr mortgage!!! THIS IS NOT RIGHT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)
State: NC

Complaint narrative:
Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is inconclusive and possibly fraudulent. Please remove this. Seeking possible litigation if not resolved. This is erroneous information which is a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for and received a new credit card that stated that there was an introductory rate of 0 % APR on balance transfers for 18 months and received paperwork to that effect. I initiated a balance transfer from a high interest credit card on XX/XX/22. Today I received a letter stating that interest would accrue starting the date of transfer. I called the company to question this and the contact person would not discuss the introductory rate. I attempted to cancel my card and cancel the balance transfer, but was told to contact my financial institution. I don't understand this as my bank has nothing to do with this. I did call the credit card company where the transfer was coming from and they said that they couldn't stop the transfer. Frankly, I not sure that the person I was speaking to understood completely what I wanted. I feel that I was mislead by the new credit card company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I didnt apply for a thing, I didnt contract with anyone for a thing! On XX/XX/XXXX I received a call from SOUTHERN FINANCE even though i had already tried to reach out after seeing that a loan was placed onto my consumer report. I am very concerned about how this company received my PRIVATE INFORMATION! My Social Security Number to be exact!! My SSN is my credit card and the source of all of my credit! 15 USC 1602 ( L ). More importantly How was I pre approved for any loan when I never gave this company my information? This company has gathered my private information without my consent and pursuant to 18 USC 1028A, federal law thats identity theft! This company has trespassed onto my ESTATE and are telling I, the consumer that I owe them something! So they commit identity theft, gaining access to my trust account with my open end consumer plan. There is no telling how much this financial institution has taken from me, yet telling me I owe them something? The SSN belongs to the SSA and anything purchased with that identifier number is an obligation of the UNITED STATES 18 USC 8. Meaning anyone attempting to collect a debt is guilty of the FALSE CLAIMS ACT! 31 USC 3729- 3733. This company is committing FRAUD & IDENTITY THEFT & needs to be shut down!!! Will be filing form 14039 & Form SSA-89 with the IRS. These companies are committing fraud and its not okay. Financial institutions cant lend money! 12 USC 83!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
I have had this credit card for 4 years or so and never had an issue. I have not used it in awhile and when I log in it says my balance is 0 and no payment due. However I keep getting calls from them so I called them to find out and the agent said I'm a payment behind and I owe 200 plus dollars. I told him that it says my balance is 0 and that I paid off the card and shouldn't owe anything. He said idk ma'am. I said well can someone who knows tell me what is going on then??? He then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
near the end of XXXX ( unsure exact date ) I got an email saying Wells Fargo updated my phone number. As I did not do this, I called them on XX/XX/2022 was told a checking account had been opened in my name, I also did not do that, so I requested it be closed. I was told that I would be getting a fraud from to fill out, never did get said form. 

Now, XXXX weeks later, I get a statement for this fraudulent account ( thankfully a zero balance ) and this lady on the phone today says it will be another 30-45 days to close account. 

Tired of the games they are playing, so I told them I was forwarding the matter to you since it seems Wells Fargo likes to play games copy of statement from fraudulent account attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Credit Acceptance Corporation AGREED to close account # XXXX. Payment was made on XX/XX/22 via Debit CARD. It has posted on their Ledger and Debited and posted from Bank Account -- -- The account should show AS PAID and CLOSED and they have NOT done so Credit Acceptance Compliance is now AVOIDING MY CALLs. They have NOT met their obligation to reflect account as PAID and CLOSED following several conversations with the Compliance Analyst, XXXX XXXX This account has been PAID and SHOULD REFLECT CLOSED on my CREDIT FILES but it is not As they promised, I NEED A LETTER FROM XXXX XXXX stating that the account has been PAID AND CLOSED ..... 

This company is VOILATING THE FAIR CREDIT REPORTING ACT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: TN

Complaint narrative:
XXXX Network/Receivables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX or my wife, XXXX XXXX XXXX Sometime in XXXX XXXX an erroneous charge in the amount of {$220.00} ( originally {$340.00} ) from XXXX Network appeared on my credit report XXXX stating that my account was in collections ; however, Ive never had XXXX XXXX  I have had XXXX from around XXXX through XX/XX/XXXX, at which point we moved and switched to XXXX. Ive attached my XXXX payments XXXX through XXXX for your reference. 
On XX/XX/XXXX, I submitted an online dispute through XXXX and on XX/XX/XXXX I submitted an online dispute through TransUnion. Both companies claim they verified the XXXX XXXX collection and stated it is accurate. The week of XX/XX/XXXX, I called XXXX XXXX multiple times and they could not find me in their system anywhere yet refused to remove the collection from the credit bureaus. On XX/XX/XXXX, I called Receivables XXXX XXXX, the collection agency, provided on the credit report, they cant find me in their system either, yet also refused to remove from my credit report. 
The week of XX/XX/XXXX, I also called TransUnion and XXXX and spoke to both directly. They would not remove from my credit, nor would they give me another option other than filing an online dispute. As stated, that has already been done and they confirmed its accurate so its obviously pointless to do it again. Ive since learned that the verification process is a computer talking to another computer and it rarely results in accuracy, because both are fed the same inaccurate data! 
What do I need to do to get this off my credit report and my good credit re-established? When you look at my report, I have exceptional payment history, why would I not pay a {$220.00} XXXX bill. I was even willing to pay it just to get it off my report, but I can't pay it because it nobody can find me. I am self-employed and this is preventing me from getting the funding I need to complete the project Im working on. My score was XXXX and it is now XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
My Social Security Number was used to open up a credit card Barclay bank I didn't not open or give anyone permission to open up this credit card it was opened on XX/XX/2019 and has a balance of {$4100.00} This account was opened Fraudantley 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 2022-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/2022 I faxed a letter to Capital One XXXXs Credit Dispute Department indicating incorrect reporting on my credit reports. Capital One failed to do a proper investigation and is still incorrectly reporting the information.

Company response to consumer: Closed with explanation