vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On today XX/XX/2023 I contacted Wells Fargo in reference to the update of my Loan Modification Application and why I keep getting Sheriff Sale notices from their legal counsel XXXX XXXX since Im supposedly to be out of foreclosure. Sadly after all of the required documents were sent to them they continues to play these sarcastic games asking for more documents every couple of days. And they has these pathetic customer service representatives just instigating to this matter. And every attempt to reach out to my Preservation Specialist has been unsuccessful..

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 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 I was contacted by a scammer impersonating a Wells Fargo Employee. They stated they were multiple attempts of a wire transfer and my account information was at risk. When I asked " what should I do? ", they informed me that I need to move the sum of {$8200.00} to " XXXX XXXX '' as the operating manager that would escalate the case so my account would be closed and a new debit card would be sent. I fell for the scam as I was in a state of panic and immediately regretted it after. I contacted Wells Fargo directly that same day to ask if my account was all taken care of only to be informed that their logs didn't indicate a recent call with them. I then immediately reported what had happened and asked for my funds to be recovered. I've been waiting XXXX weeks for an update from them and every time I called they didn't have anything to share until today, XX/XX/2023. When I called for the latest update they informed me the case had been closed and they won't recover the funds. I then asked them to reopen the case and escalate it to their executive branch. I'm supposed to hear from a Case Manager in 48 hours, but that's where I currently stand.

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 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer reporting agencies have assumed an important role and have a responsibility to report consumer information to the best of their ability with precise accuracy. I have never been late on payments for this account ( XXXX installment loan, acct # XXXX ). Please investigate and provide me accurate proof with statements showing that these payments were late. If proof cant be provided I sincerely ask these payments be updated to On Time as they should be being that I was never late. Thanks for your time handling this matter.

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 2023-06-05 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: TN

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer reporting agencies have assumed an important role and have a responsibility to report consumer information to the best of their ability with precise accuracy. I have never been late on payments for this account ( XXXX installment loan, acct # XXXX ). Please investigate and provide me accurate proof with statements showing that these payments were late. If proof cant be provided I sincerely ask these payments be updated to On Time as they should be being that I was never late. Thanks for your time handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate on my credit report.

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 2023-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Its a financial mismanagement by Wells Fargo Bank. Several responses to my complaint last on XX/XX/XXXX with CFPB state the following and this not correct. 


THIS IS WHAT WAS STATED XXXX. XX/XX/XXXX XXXX PAID {$99000.00} XXXX. {$73000.00} WAS APPLIED TO PAYMENT OF PRINCIPAL, INTEREST AND ESCROW XXXX. Advance was {$1500.00}. 
XXXX. PRINCIPAL REDUCTION {$25000.00} PRINCIPAL BALANCE ON XX/XX/XXXX WAS {$110000.00} ( COPY PROVIDED BEFORE ) PRINCIPAL REDUCTION IN XX/XX/XXXX {$25000.00} {$110000.00} LESS {$25000.00} = {$86000.00} LESS LATE FEE AND FEE {$870.00} = {$85.00}, XXXX A. LOAN WAS TRANSFERRED TO XXXX ON XX/XX/XXXX PRINCIPAL BALANCE OF {$85000.00} WHICH ONLY REFLECTS PRINCIPAL REDUCTION NOT PRINCIPAL APPLIED FROM {$73000.00} XXXX PRINCIPAL HAS BEEN APPLIED FROM {$73000.00}. 
B. PROPERTY TAX BILL FROM XX/XX/XXXX TO XX/XX/XXXX IS {$9600.00} ATTACHED AND NOT {$13000.00}. 
XXXX CONCEALING EVIDENCE IS FEDERAL AND STATE CRIME FROM XXXX AS OF XX/XX/XXXX I HAVE BEEN INFORMED BY WELLS FARGO BANK HAS NO RECORD AND THEY KNOW THE TRUTH ITS CONCEALING EVIDENCE. 
XXXX CFPB MUST DO THE RIGHT THING TO REFER THIS TO DOJ FOR PROSECUTION OF CONCEALING EVIDENCE AND FINANCIAL MISMANAGEMENT. IF CFPB FAILS TO DO THIS I WILL COMPLAINT WITH DOJ, XXXX XXXX, IRS AND SO ON XX/XX/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 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
An apartment was rented in Nevada under someones identity, but they used my name and social security number to register the electricity bill. From XX/XX/XXXX to XX/XX/XXXX the account accumulated late charges until the utility company discontinued the service. I was informed about 1 month ago that this was done without my knowledge and was identity theft and fraudulent use of my information. I have disputed the bill with the energy company, the collection agency, and with the XXXX credit bureau.

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 2023-06-05 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: FL

Complaint narrative:
In Response of the medical collection agency I have provided proof that I wrote concerning the account over a year ago not only is not mine but its been reported in the past as XXXX XXXX XXXX XXXX and Now today showing as XXXX XXXX XXXX trying recollect as a New DEBT collection. This again shows and expresses that this company has resold this Debt collection Claim to another collection agency to try to Recollect a debt and also Negatively Report to my consumer account after it once been removed.

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 2023-06-05 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: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I received an attempt to collect letter dated XX/XX/2023 from IQ Data International on XX/XX/2023 and was informed to write to them by XX/XX/2023 to dispute and that they must stop collection on any amount that I dispute until they send me information that shows I owe the debt. I sent a debt verification letter to IQ Data International on XX/XX/2023 via certified mail. I've sent debt verifications letters again on XX/XX/2023 & XX/XX/2023, also certified mail. IQ Data International begin reporting negative information along with interest charges to all credit bureaus with remarks that the account was disputed by the consumer but have yet to prove this debt belongs to me. This negative information is being reported illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.

Complaint narrative:
I purchased a {$300.00} XXXX prepaid XXXX gift card from XXXX as a present. The card thats included within the packaging is not recognized by the website or by the customer service of this company. I have called them and spent numerous hours on hold and their representatives state that the card # can not be found. They opened a case for me but when I followed up a month later they could not locate the case #. They have opened another case but I do not have hopes for any resolution here because they state that the case ID is the only way they can look up the profile and that your name and phone number can not be used to verify the info. I have a strong feeling that when I call to follow ip again in a month this case ID will not be found as well. I went to XXXX and asked to speak with a manager and was told that unfortunately they can not help as this is between me and securespend. I do not know what to do at this point, hence Im seeking your assistance in obtaining my {$300.00} back. I have a receipt as proof of purchase for this card, and continue to have the card and the original packaging that it came in. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violate my rights. 

15 USC 1681 Section 604 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2023-06-05 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: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I am writing to express my deep dissatisfaction with the recent experience we had while attempting to open a checking account with City National Bank on behalf of our company, XXXX XXXX XXXX. 

We had initially encountered significant obstacles in our endeavor, as the bank staff seemed uncooperative and insisted on obtaining access to XXXX XXXX XXXX  personal banking information before proceeding with a simple checking account application. Eventually, after much persuasion, they relented and stopped requesting unnecessary details that are not typically required for such an account opening process. 

However, we have now encountered a new hurdle that is both perplexing and concerning. City National Bank is demanding an excessive amount of personal information from multiple individuals within our company, a requirement that we have never encountered with any other banking institution. Compounding our unease is the fact that they are requesting this sensitive information to be transmitted via email, which raises serious concerns about the mishandling of confidential data. 

Despite numerous requests, I have been unable to obtain a clear explanation or the relevant policy that mandates the submission of this extensive personal information. The bank representatives have been evasive and unhelpful, providing vague responses and continually redirecting my inquiries. They claim to have sent the information, but regrettably, no attachments were included. Only upon attempting to print the PDF version of the email did I discover that an attachment was present, albeit with a file size of 0K, rendering it inaccessible. 

Such disregard for our legitimate concerns and the apparent lack of professionalism demonstrated by City National Bank have left us deeply disappointed and frustrated. We expected a higher level of service and respect for privacy from an institution of their stature. 

I kindly request that you investigate this matter promptly and provide a satisfactory resolution. Our company 's banking needs are of utmost importance, and we deserve to be treated with the professionalism and diligence that should be the hallmark of any reputable financial institution. 

Thank you for your attention to this matter, and I trust that you will take the necessary steps to address our concerns promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: FL

Complaint narrative:
I am highly disappointed with Experian. They are the only company out of the 3 bureaus that refuse to remove these 2 fraud accounts from my profile. both XXXX and XXXX were able to confirm that those accounts were indeed fraud. I sent out The beginning of XXXX and experian refuses to remove these accounts. PER 15 USC 1681 B AS A CONSUMER I KNOW MY RIGHTS YOU ALL CAN NOT FURNISH ANYTHING THAT I SAY IS FRAUD ON MY ACCOUNT. YOU ALL CAN NOT FURNISH ANYTHING ON MY ACCOUNT THAT I SAY DOES NOT BELONG TO ME. At this point experian is breaking the law and I may have to take legal action if this matter isnt corrected asap. I will give this company one more chance to properly investigate because this company never sent me the steps they took to verify the account nor did they tell me if they found my actual wet signature attached to these accounts, WHICH IS ILLEGAL DUE TO THE CONSUMER LAWS. THE ACCOUNTS THAT HAVE TO BE REMOVED ARE XXXX XXXX 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 2023-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I received letters in the mail for credit cards I have never applied for. I have never in my life applied for a credit card. And I think I know who's doing it, because this person is already had several fraudulent cases pending against them. I have no idea how many or even if it's just limited to personal credit. On XX/XX/XXXX by a bank called comenity capital bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
On XXXX XXXX XXXX I checked my credit report and found a debt collector called " Columbia Debt Recovery '', original creditor " The XXXX ''. This is not my debt. I disputed it with XXXX. I called the debt collector on XXXX, they are sending me a fraud packet via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
Received letter from Wakefield and associates stating they were debt collectors and I owe a debt to XXXX XXXX XXXX XXXX which I have never heard of. I would like to know if this is a scam. The letter stated the debt is from 2021 in the amount of {$850.00}. Did not know if I should respond to the company or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
Im not sure whats going on, I have never done business with sequium asset solutions, dont know who they are and they placed a collections account on my credit ruining my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IA

Complaint narrative:
I tried to fix it they charge overdraft fees for everyday once i payed it up they closed my account without warning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely 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