vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
This collection has been repeatedly reported to my credit file.This is the third company to buy this account and report it..I have formerly filed a complaint with the CFPB about this account when it was owned by another collection agency and it was successfully removed twice before ... It was deemed a " frivolous '' collection by XXXX on XX/XX/2020 after being investigated ... Neither former owner of this collection has been able to legally validate this debt as belonging to me ... Furthermore, Contract Callers Inc. never issued me written notification of any kind to inform me of an attempt to collect this debt before reporting this collection to two of the three major credit reporting agencies. I find it reprehensible that I have to constantly defend myself against a debt that does not belong to me and keeps getting passed from one collection agency to another and being reported to my credit file to the detriment of my credit rating ... I have also file disputes with the bureau 's with the grievance of this being a violation of the Fair Credit Reporting Act as a frivolous account ... I ask that the CFPB respectfully investigate this issue.The Fair Debt Collection Practices Act does not give this company or any collection agency the authority to force me to consent to contract with them. This company has not shown me their lawful authority to enforce an alleged debt claim against me to my detriment without my consent. Furthermore, This company is in violation of the Fair Debt Collection Practices Act by the use of misleading representations and unfair and deceptive practices in the attempted collection of a debt.

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 2020-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I had a bank account 5-6 yrs prior to this incident that had a negative balance due to my inability to pay. I believed this account was closed and charged off by financial institution, and account had no activity for years. In XX/XX/XXXX, the financial institution sent me a check for {$79.00} on inactive acct. which confused me, but I was aware that the bank had sold to another company. In XX/XX/XXXX, I notice a debt for Net Credit on my credit report, and called them. I had not applied, authorized, or ever sought a loan with this company to be deposited into a inactive account I believed was charged off and closed years prior. I filed a police report on XX/XX/XXXX, and went to the bank to request records about the inactive account from the new company. I then call Net Credit questioning them why information was not verified before they released a loan, as my phone number, employment info. and banking info. had all changed. And the account that they deposited was inactive and not in good standing. The woman I spoke with adamantly stated they did verify all info., even verified my employment at a place I hadn't worked at for many years. I told her I'd love to see the documentation that was verified because i know for a fact the bank info was not verified as the account had been inactive for years. She then states someone close to me must have stolen my identity. I absolutely feel like that is XXXX, from complaints I have seen there seems to be a pattern to what they do unlawfully and then claim identity theft. They are committing the identity theft and someone really needs to look into this matter. I know matter of fact that verification of a active checking in good standing is required on loans. I would not apply for a loan on a account I believed was charged off/closed years earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: TX

Complaint narrative:
XXXX pd officer ftc violation I want removed The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that 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 non-monetary relief
Consumer complaint received 2020-03-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been going back and forth with Chase bank about a dispute of {$1800.00} I was on vacation in XXXX XXXX. The first day I was there I went to exchange USD for XXXX  currency. I used my chase card entered my debit pin at a foreign bank trying to withdraw {$100.00} the teller told me my card was not working they swiped and used chip multiple times. My phone was buzzing showing the withdraw had taken place. I showed them my phone saying it took the money from my account please give me my money they would not give me my money because they said it was declined. I started getting mad. My first day here and they pretty much wiped me out I was arguing back and forth with them they surrounded me with guards and guns. At that point I said even though I have no money left I was at a all inclusive resort so I had to wing it.I will have to XXXX it up shut my mouth and walk out. I did not want to be locked up abroad so I waited to dispute my transaction with chase when I got home because they also took down my hotel room number. Chase refunded the money 2-3 times and took it back in and out of my account over a few month period causing me to go major negative. I fought and fought with them I provided everything showing them I did not withdraw that amount. The merchant forged my signature and sent that as proof to chase the signature is a scribbled line not even close to my signature. They said back office is closing my claim and there is nothing I can do I totally got XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My name is XXXX XXXX. I was the legal guardian for a woman who banks at Wells Fargo. The woman I was POA for was XXXX XXXX XXXX. She banks at Wells Fargo located at XXXX XXXX XXXX XXXX XXXX WA XXXX. 

I went to the bank on XX/XX/XXXX and gave them my resignation as POA and asked to be taken off of her account. I was told that this could not happen. I had to continue to be the POA until I got someone to replace me. I was not happy so the manager stated he would get someone to call about this problem. 

I got a call and e-mail from the person below ( ( ( ( Dear XXXX XXXX XXXX My name is XXXX XXXX and I am a Case Manager in the Wells Fargo Executive Office. My role as a Case Manager is to research and resolve your concern. I wanted to let you know that I have started my research and that my goal is to provide you with a resolution within 10 business days from XX/XX/XXXX. 

As part of researching your concerns, I may be reaching out to get more information but Im here to help with any questions you have along the way. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, I can be reached at XXXX XXXX XXXX from Monday through Friday between the hours of XXXX XXXX  XXXX XXXX  Central Time. 

For reference, your case number is XXXX I look forward to serving you and resolving this issue. 

XXXX XXXX XXXX Office Case Specialist Wells Fargo Executive Office Wells Fargo, N.A. Member FDIC. '' ) ) ) I have reached out to XXXX several times with no respone. 

Thank you for your assistance in this matter. 
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 2020-03-10 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: TX

Complaint narrative:
XXXX pd officer ftc violation I want removed The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that 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 2020-03-10 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: TX

Complaint narrative:
XXXX pd officer ftc violation I want removed The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
I have reached out to Kansas Counselors, and disputed multiple times to all 3 credit bureaus for verification and information for the proof of this debt. Kansas Counselors will not provide any evidence that this debt exists, invoice statements, a breakdown of charges, or an itemized list of the amount they claim is owed to them. The only information Kansas Counselors says they are able to provide is the amount of money attempting to be obtained. 

Furthermore, I was never sent any paperwork, contacted by phone or e-mail, or mailed any documentation from Kansas Counselors that would have allowed me to formally dispute or verify the debt in question in a legal manner. 

Without any proof of this debt amount being owed, I am unable to verify that I am liable for this collections account. I would like for you to press Kansas Counselors, and the 3 credit bureaus for documentation and further evidence of this amount being owed to Kansas Counselors and request that if it is unable to be provided, that this collections account be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial bank is reporting on my personal credit report, but this account belong to a Person named XXXX XXXX  XXXX. I have a few letters in my file that show that on the XXXX of XX/XX/2018 they sold this account to XXXX XXXX XXXX, but together they sold also all my personal confidential informartion as SSN, phone number, mailing adress etc etc. I contacted Ally and 2 representative told me they couldn't find any account in their file under my name. I have disputed this account true the 3 mayor credit agencies many times but Ally Financial denied to delete this account from my credit report. I have requested in previous ocations to send me the original signed contract of this account and also any document that shows they have the right to sell my personal information. Till this day no response from them. I DISPUTED XXXX  AND THEY DELETE THEIR ACCOUND FROM 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 explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed {$500.00} was withdrawn from my Wells Fargo checking account on XX/XX/20. I contacted Wells Fargo immediately to report the fraudulent activity. I filed a few cases with Wells Fargo and they have denied my claim. Wells Fargo has a fraud guarantee that covers all my online accounting, however they don't want to stand behind their fraud guarantee policy. They are saying someone used my username and password to send {$500.00} via XXXX to an unknown recipient.

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 2020-03-10 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: DISCOVER BANK
State: NV

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OBTAINED AND MAINTAINED A CREDIT CARD WITHOUT MY CONSENT. I HAVE NEVER AUTHORIZE FOR THE DISCOVER CARD TO BE OPENED AND MAINTAINED. THIS ACCOUNT IS NOW CLOSED, I NEED THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT IS CLOSED, WITH XXXX BALANCE I NEED THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXXXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions.XX/XX/XXXX Trusted XXXX To Pay {$12.00} XXXX For Violating Consumer Protection Laws

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 2020-03-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX   XXXX XXXXDispute XXXX XXXX BANKDispute XXXX XXXX XXXX MORTGAGEDispute The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions.XXXX XXXX, XXXX Trusted XXXX To Pay {$12.00} XXXX For Violating Consumer Protection Laws

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 2020-03-10 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: KS

Complaint narrative:
On XX/XX/2020 and XX/XX/2020, respectively, I mailed letters requesting validation of debt to XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX. XXXX XXXX XXXX refused to provide validation of the debt and instead and mailed me a letter instructing me to contact XXXX XXXX / XXXX XXXX. I mailed validation request to XXXX XXXX / XXXX XXXX   to which they did not respond within 30 days. 

As such, I am writing to request you delete this account from my credit report as neither reporting company validated that I owe this debt. 

Creditor : XXXX XXXX XXXX / XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I set up two automatic payments to pay off my credit card on XX/XX/XXXX and the amount of {$250.00} in the other one for  {$59.00} on XX/XX/XXXX so I can get my account paid in full by XX/XX/XXXX which is the due date, today I went online to see if my payments had been cleared only to find out that it says my account is restricted and then I called Capital One they informed me that my account was closed .... I then asked to speak to a supervisor she really couldnt tell me what happened only later to find out that my payments were returned but they dont know why. I asked her why didnt they send me a notice in the mail she informed me that they sent out a notice XX/XX/XXXX which is todays date and they also closed my account XX/XX/XXXX ... .. they did not give me enough time to even fix what was broken. 
I've had this account for 3-4 years and only missed to payments back in 2018, for my account to get closed off of something so simple is ridiculous to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I JUST recieved see attatched FROM USAA SENT XX/XX/XXXX WEB SERVICE. Better late than never. This is two years late. USAA IS NOT WEB ADA ACCESSIBLE. see enclosed UNAUTHORIZED TRANSACTIONS of XX/XX/XXXX & XX/XX/XXXX. Kindly Note the circled transactions * $ XXXX XXXX XXXX XXXX * XXXX XXXX those with stars PAID BY MERCHANTS XX/XX/XXXX. NO TEMP CREDIT IS NEEDED. THE TEMP CREDIT ** {$28.00} IS NEVER MADE PERMANET YET IS REVERSED PAID XX/XX/XXXX. BY MERCHANT AND REVERSED BY USAA {$28.00} XX/XX/XXXX INTO A PERMANET NEW CHARGE. ( (? ** USAA STEALS MERCHANTS CREDITS JUST PAID.?? ) all with stars paid XX/XX/XXXX The other two were paid by merchant see attatched XX/XX/XXXX statement. ( USAA ARE CRIMINALS STEALING ALL MERCHANTS CREDITS ** PRETENDING CONSUMERS GOT 2 CREDITS FOR ONE PURCHASE ) SO USAA TAKES BACK WHAT THEY NEVER GAVE OR MADE PERMANET SAME DAY MERCHANTS PAY OR FEW DAYS LATER. Also see attatched CRIMINAL INVESTIGATION LETTER USPS DELIVERIES NOT MADE Provide WRITTEN DOCUMENTATION THESE TRANSACTION WERE PURCHASED BY ME AND WRITTEN DOCUMENTATION TO VERIFY DELIVERED INTO MY HANDS. USAA NEEDS TO BE CHARGED. THIS IS A CRIME. USAA STEALS MERCHANT CREDITS HIDING INTERNALLY. USAA LEAVES CONSUMERS LIABLE FOR FRAUDS. USAA DOCUMENTS. INTERNAL CREDITS XXXX {$470.00} + XX/XX/XXXX {$700.00}. OTHER CREDITS + XX/XX/XXXX {$2.00}, XXXX. ( = TOTALS OF {$3.00}, XXXX ** SHOW ME WRITTEN PROOF OF USAA INTERNAL HIDDEN PERMANET CREDITS. AND WRITTEN PROOF OF DELIVERY INTO MY HANDS. ) TRUTH IN LENDING NOT HERE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: OH

Complaint narrative:
Can not get through to Equifax regarding the credit freeze I placed on my personal information. The company has effectively blocked me from speaking to anybody in person by asking me bogus security questions, or asking these questions in another language. 
I even went through obtaining a verification code by mail, following the instructions to enroll in my.equafax.com, and was locked out of enrollingin this also. This enrollment would have let manage the freeze that I placed on my personal information. 
I have not had any problem with managing the credit freeze on my information with XXXX  or XXXX. 
Equifax has made it impossible for me or anyone in our household to speak directly with somebody in their customer service.

Company response to consumer: Closed with explanation