vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I keep getting these notifications from a junk debt buyer named Jefferson Capitol systems trying to collect on debt that I have no idea of and is probably past the statute of limitations, They do not provide the necessary backup and probably buy tons of this debt for pennies on the dollar. 
Why are they allowed to stay in business. Fraudulent. 
Please have them stop contacting me and if I see anything on my credit report from them I will take the necessary legal action. 
They know that if you contact them it starts the clock running on debt that could not be collected on in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc
State: VA

Complaint narrative:
In 2021, I gave my XXXX XXXX to my partner 's brother. The title and registration were transferred to my partner 's brother in his home state. Later, my partner 's brother got into an accident and a file was claimed. I have confirmed with the XXXX that the XXXX was not in my name at the time of the accident. The XXXX was never, at any point, registered under my partner 's name. Since then, my partner has been sent to collections and he has been sent threating letters from Jonathan Neil & Associates claiming they will attempt to have his license suspended. We contacted XXXX XXXX from Neil & Associates, but he attempted to place the onus on us to ensure my partner 's brother pays his debts. He blatantly stated that there was no point in us calling and did not state that his firm would stop pursuing legal action. We have contacted our own insurance company, the insurance company used by my partner 's brother, and the insurance company of the person who filed the claim against my partner 's brother. None of this has resulted in any action by Neil & Associates or the credit collections agency to resolve the claim. 

Claim : XXXX Complaint ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX finance has reported my balance incorrect since XX/XX/XXXX showing I owe XXXX the amount I purchased the car at, can this matter be updated correctly, as they haved reported on time payment 's every month but the balance does not reflect that. ( Year XXXX XXXX ) also I have attempted to get this matter resolved with them, and unable to get this understood. 
I was giving a reply they charge a interest per day this just does not seem correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a business banking account with BOFA. They closed my account on XXXX XXXX. On XXXX XXXX my merchant provider deposited money in my account from my clients closed to XXXX. I asked the bank why are my deposits on hold. The first representative said she doesnt to check back in 24hrs. I checked the next morning and I saw that the rest of my deposit will be made available XX/XX/XXXX this was around XXXX my account. I checked around XXXX and I couldnt login to my account. I called the rep. said they would send me to the account closure. I said account closure why is my account being closed. So I asked the account closure rep why is my account being closed. She said the bank can close your account at any time we dont have to give a reason why. I said can I provide invoices for the verifiable transactions. I said you all didnt send even an email stating my account is closing. I said what is going to happen to my account. My merchant processor, vendor payment and personal payment was supposed to be sent today. Mind you my merchant processor sent out a payment today and BOFA allowed the deposit but I cant have access to it. So how is my account closed but still accepting deposits. The supervisor said well we can still accept deposits you just wont get them. I need this to be rectified even if i can just receive a check of my funds owned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This debt was incurred due to fraudulent charges, which according to VISA/ Mastercard Zero Liability policy I am not liable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Exeter finance has reported my balance incorrect since XX/XX/XXXX showing I owe XXXX the amount I purchased the car at, can this matter be updated correctly, as they haved reported on time payment 's every month but the balance does not reflect that. ( Year XXXX XXXX ) also I have attempted to get this matter resolved with them, and unable to get this understood. 
I was giving a reply they charge a interest per day this just does not seem correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I discovered fraudulent activity on XX/XX/28 on my account linked to my debit card ( completely separate from the above issue ). Specifically, a {$150.00} had been charged at a XXXX XXXX in a town north of me ( that I've never been in ). Twice, Wells Fargo has denied my claim for the money that was stolen from me, attesting that - despite my never having been in the area the money was paid to, despite never having any records of going to the veterinary clinic the charge was listed at- I made the {$150.00} dollar charge despite my protests. I had to call many times to get this case moving, and never heard back on the update ( I had to call them to ask the status of my claim after having it appealed ). After months of fighting them, they have recommended I now go to the police to get the funds recovered, when it should be their job as my bank to protect me. Theyve done no investigation or research into how this person got my information in the first place, leaving me in the dust with no advice other than to cancel my old debit card ( which I did do ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: OH

Complaint narrative:
I have filed and submitted necessary documents regarding Identity Theft and sent by way of certified mailings which included a FTC Identity Theft REPORT, a copy of my Identification, Consumer Statement with applicable highlighted items on my copy of credit report and none of the Credit Reporting Burals have made an attempt to preform according to the law and statute which should have a block and removal of all items reported by me that are in a way or another Identity Theft within 4 days upon receipt of the complaint which was done on XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: ND

Complaint narrative:
In reviewing my credit report I noted a Loan in the amount of XXXX. As i investigated i found the amount of {$66.00} being paid by my credit card. I noted this payment went back to XXXX 2021. I send the credit card company that I work with all the information. I then called the actual payment credit loan company out of XXXX, ID. The company asked for my 16 digit account number or the Retailer where the Loan was made, but I can't get access to the account and the Retailer because I don't know the account number used or the retailer. I started working with XXXX  on this as well as the loan amount has brought down my credit score. I called my personal bank to see if they had information, that when I found the amount being paid from my credit card since 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
For years the various credit reporting agencies, not the creditor, have listed valid credit history belonging to my brother incorrectly under my credit file/report. For years, I have disputed their incorrect reporting, which would then be corrected. 

Currently, however, Equifax has no information for me at all. They do not have my S.S. number, name, address or ANY credit history listed for me, even though both XXXX and XXXX have correct credit information listed under my name/SS number/address, etc., according to Equifax I do not exist and have no credit history with them.

If a creditor/merchant can not erase my credit history, only report credit information, then it appears Equifax is the responsible agent for causing me financial harm as I was currently turned down for a loan and not able to buy internet services as both merchants rely only on Equifax to the exclusion of the other two credit reporting agencies.

In this day and age of credit fraud, and with my understanding that Equifax has faced/is facing government scrutiny due to fraudulent activities, I am very Leary of sending personal data to a reporting agency that continues to make mistakes on their end.

Therefore, I am wondering if I can get help from the CFPB in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
this is an update to my complaint # from XX/XX/XXXX XXXX I have located the second money order receipt # XXXX. The receipt for the first money order # XXXX was sent on XX/XX/XXXX. Please add this to the complaint and I have added it to this complaint from XX/XX/XXXX. 
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XX/XX/XXXX I was going to a XXXX branch to deposit XXXX in cash. I got there about XXXX XXXX and there was only 1 teller and about 5 people on line. I had to go to work. I went to an empty post office the next XXXX ( XXXX XXXX XXXX XXXX ) to get 2 money orders..After the money order fee the amount of the 2 money orders was {$990.00} x 2 so I could deposit them into a XXXX ATM and avoid waiting in line. So I did that on the afternoon of XX/XX/XXXX. I got a phone call the next AM ( XX/XX/XXXX, ) from a very mean and snotty WFargo rep who explained that the Money Orders were altered and my account was now closed. My account had XXXX in it before the deposit. Now I can not access that either. As to the " altered '' money orders, they are absolutely out of their minds. I can not believe that is happening to me. They are holding all my funds, hostage because somebody there decided they are ALTERED??? I do not understand. I have a pic of the receipt for 1 money order ending with the number XXXX. I used 2 of my debit cards for this at XXXX each. The receipt for the money order ending in XXXX, I can not find but I do have the actual money order receipt that was attached to the money order. Both of these checks were deposited into the ATM. I need mt money back. I need the XXXX x2 and the balance of my checking acct with XXXX from them. They seem to be thieves!!! I know for a fact that Wells Fargo has a track record of cheating customers with fake accounts, interest on auto loans, and opening accounts without people 's knowledge. and charging.fees that customers did not agree to. I do not want them to get away with this and need my funds immediately. 

ATTACHMENTS XXXX XXXX receipts.pdf ( XXXX KB ) XXXX XXXX receipts.pdf ( XXXX KB ) 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 2023-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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 — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
In XX/XX/XXXX, several charges came across on my statement that were fraudulent. I reported this to the credit card company in XX/XX/XXXX, yet they failed to investigate one of the charges for {$220.00} made on XX/XX/XXXX, even though I had reported it to them as fraud in XX/XX/XXXX. This would have left a credit balance on the account for the months of XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX as well as XXXX and XX/XX/XXXX. In XX/XX/XXXX, I reported it yet again and they finally adjusted it off my card. However, the credit card company reported me 30 days late in XX/XX/XXXX even though I had no balance due because of the {$220.00} fraudulent charge. This is a violation of the FCRA reporting rules and as such, this has damaged my credit unnecessarily. I am asking the 30 day late report in XX/XX/XXXX be corrected and any and all late fees, interest and other unnecessary fees be removed and refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I have been a repeat customer of Titlemax for many years and have always paid off my loans with the company even though I was paying 3x my loan amount in interest and fees set forth by the company. I am now at risk of losing my vehicle because I can not make a payment and the company is not willing to work with me regardless of my past history of pay-offs. I need help and the company isn't willing to extend me any kind of good faith or good will. They would rather take my vehicle and hit my credit score with a negative report so now I will stuck with bad credit and no vehicle. All because of one missed payment due to financial hardship. Which Titlemax is aware of and shows no concern for by the representative employees it has working for Titlemax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am writing to dispute the debt that is currently appearing on my credit report. According to my records, I do not owe this debt and it is not mine. 

I request that you provide me with proof of the alleged debt, including the name and contact information of the original creditor, the amount of the debt, and any documentation that you have to support your claim. I also request that you notify the credit reporting agencies that this debt is in dispute and request that it be removed from my credit report until the dispute is resolved.

If you are unable to provide me with proof of the debt, I request that you close the account and remove all negative information from my credit report. 

Please be advised that I am aware of my rights under the Fair Credit Reporting Act, and I will not hesitate to take legal action if necessary to protect those rights. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MO

Complaint narrative:
This company has removed and put this from my credit report several times and put it right back on. I have somehow two issues with this company. The first one says it was opened on XX/XX/XXXX for XXXX and the other XXXX XX/XX/XXXX for XXXX I have no knowledge or written documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
this a letter that iv recieve from XXXX collection about an amount of XXXX XXXX to pay as balance on an apartment in XXXX XXXX XXXX i have to inform you i have never been live in this apartment even in this area i live in XXXX since 2019 and then suddenly i recieve this letter from this company im not the personne that they suppose to contact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
They provided a loan but failed to advise me that they would only loane 20 % of the loan and 8 had to pay the entire loan off to get the remaining 80 %.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I separated for the navy in XXXX and haven been transitioning back into civilian life for the last couple month which has coming with its challenges. I had my vehicle was repossessed on XX/XX/23 after XXXX. I got in contact with them the next day I was told my vehicle would be held until the XXXX for the amount of XXXX form the vender ( Truist ) and then an addition amount would be charged form the towing company themselves for storage. I called back on the XXXX the XXXX was XXXX XXXX, so the office was closed. I wanted to verify the amount again so I know the amount to request for finial help. The amount was now XXXX, I asked for how much the towing company would be charging and was told I could get that form their third-party Loss and XXXX. Loss and XXXX informed me that they do not deal with money they are simply a middle man between the vendor and finding a local towing company to retrieve and hold the vehicles. Loss and XXXX informed me that vendor is the one who sets the price for everything even how much towing company should charge me. I have called Loss and XXXX and the towing company and got the same answer each time that they are waiting on the vendor ( Truist ) to tell them how much to charger me. When I call Truist I keep being forwarded to Loss and XXXX to get the additional amount. It been less than XXXX week I just want my car back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I deputed an account with said agency and they removed said account and no remedy for said inaccurate and impartiality that cause adversity. thy did not use the grave resposiblty to investigate info on consumer. file # XXXX fed loan account removed XX/XX/2023

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