vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Business, Platinum Checking account with Wells Fargo bank, On XXXX2020 there was a withdrawal for an amount of {$43000.00}, it says Recover For Claim XXXX. Now for the past 20 days my account shows negative balance, my checks have been returned even though I had money in my account. 
I have contacted several Wells Fargo bank officials in different states, local banks etc. None of them know why the money was taken out of my account and who did it. I have incurred several losses including, monetary, credibility in my business circle etc. I have not written any check, or authorized any one in any way for this transaction. 
I would greatly appreciate your assistance in this. 
Name of the account ; XXXX XXXX XXXX XXXX My account number XXXX MY BANK ADDRESS AND CONTACT DETAILS WELLS FARGO BANK XXXX XXXX Service Manager XXXX XXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX | XXXX, TX XXXX XXXX XXXX Tel XXXX XXXX Fax 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 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Please remove from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax continues to report a collection account on my credit that does not belong to me. The account is missing the name of the collection agency, and Equifax refuses to remove the account even though it's not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-11-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America reported a debt owed on my credit report of XXXX. I was Never given any written notice as to how this amount came about. This dropped my credit score. 

Since I only have a mortgage with Bank of America Im assuming the amount has something to do with my mortgage. My mortgage is not past due. 

I Never received a past due notice or a late notice or a pay by this date notice??? 

But yet they reported this 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 explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: McCarthy, Burgess & Wolff, Inc.
State: MO

Complaint narrative:
I received several emails and phone calls from a company called " McCathy, Burgess & Wolff ( MB & W ) - A debt collector who is misleading individuals so they believe that they are receiving a notice from an attorney. 

The above company claims that I owe {$440.00} to " The XXXX XXXX XXXX '' In return, I sent them multiple Cease & Desist letters, which demanded they cease and desist all further communication with me in regard to the debt, and that I would contact the original creditor directly to resolve the matter. MB & W continues to harass me by email and phone. 

I also contacted the original credit ( XXXX XXXX XXXX ) to understand and resolve this debt ( by email and phone ), and they have also chosen not to respond. I am currently retaining legal representation for this matter as well. 

The dates of email communication are as follows : 1. XX/XX/2020 @ XXXX 2. XX/XX/2020 @ XXXX My responses were sent on the following dates : 1. XX/XX/2020 @ XXXX 2. XX/XX/2020 @ XXXX 3. XX/XX/2020 @ XXXX and included the appropriate addressees of The XXXX XXXX. Within this letter, I asked how to handle this internally, as I have not received any prior communication from them. 

I called the XXXX XXXX on XX/XX/XXXX and asked to speak to the billing department, where I was told that they were not available at the time. The representative then took the information I provided ( phone and email ) and said that they would have the billing department call me back. That never happened.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
company is : XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, fl. XXXX, ..in 2012, I rented a XXXX apartment for {$550.00}. mntly,. within 7 month the apartment developed many serious problems with mold, bathtub sewage, and default electricy with no maintenance accomplish, .. within the 8th month i vacated the premises, and thereafter was reported to the credit bureau with no balance owed.. AFTER 8 YRS FALSE INFORMATION IS STILL ATTACHED TO 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 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
On XXXX XXXX, 2020, I contacted Bridgecrest at XXXX regarding a financial hardship I was presently experiencing, NOT RELATED TO COVID-19, and made them aware that my XXXX payment will be late. They documented same and immediately begin harassing phone calls and emails regarding my payment delinquency. Although, I made my XXXX payment as soon as I could ( XXXX XXXX, 2020, when I received my XXXX  check ) ; they threatened me that if I did NOT make my XXXX payment before XX/XX/XXXX, they will submit to credit bureaus, derogatory remarks/delinquent/etc. and they did causing my credit score to be reduced by " XXXX POINTS ''!!!!! As I had been working so hard and so diligently to get my credit back on track after bouncing back from Chapter XXXX bankruptcy ; this really hurt me and my continued efforts to strive to increase my credit and get back on track. When I called on yesterday, XX/XX/2020 and spoke with a supervisor at Bridgecrest, she admitted to be aware of the conversation regarding my hardship ; however, she stated that " unfortunately because my payment was more than 30 days late '', there was nothing to Bridgecrest could do. Please note that I was one ( 1 ) payment late and this should not have caused this HUGE reduction in my credit score. Thank you so much for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
- XX/XX/XXXX : I leased a car from Toyota. I successfully paid off all the lease payments on time. Except for once when there was a technical glitch on their system but the payments were immediately made- despite that they report my account to credit bureaus. 

- XX/XX/XXXX : I went to return the car to XXXX XXXXXXXX  XXXX XXXX. They tried to lease me another car and inflated rates but when I declined their offer- they refused to take back the delivery of the vehicle. Saying that due to Covid they didn't have parking space available for it. They asked me to come back at the end of XXXX by then there will be space. I told them that I won't pay any additional lease because I don't want to keep this car anymore. 

- My car was leased for XXXX miles for XXXX  years but I had only availed XXXX during this tenure. 

- XX/XX/XXXX the car was returned to XXXX XXXX XXXX XXXX. The delivery document was also received from them. 

- XX/XX/XXXX : I received a letter from Toyota that I have returend the car on XX/XX/XXXX and there are charges to be paid. These are all frivolous made up charges to which I never agreed. 

- All this time I have been reaching out to Toyota by phone and their online portal but they never attend these calls in the name of Covid and don't even return these calls. They did call me twice to collect the car but they never showed up. 

- XX/XX/XXXX : They send me another fraudulent bill adding lease termination charges. The fact is the lease came to end with all the payments made on time. {$560.00} for outsanding lease and {$380.00} for lease termination. Here 's an article of how Toyota is exploiting customers in the name of Covid https : XXXX - Internet is flooded with Toyota 's fraudulent malpractices, blackmailing consumers to continue taking vehicles from them or they slap them with these never agreed charges. I never applied for lease extension and in fact I had to pay three months of insurance from my pocket- which I want Toyota to pay me. 

- Toyota is harrassing me and spoiling my credit history with credit bureaus by wrongfully and fraudulently manipulating the contract that was ended and reopened with the extortive courtesy of credit unions. 

Other Toyota 's lillegal acitivities https : XXXX? XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
I received my XXXX loan thru chime a month later they suspended my account I sent them info then they closed my account and said Im not eligible for a refund. I tried to call and received a voicemail with no outlet to speak with anyone. Now Im stuck with my bills growing rent food and kids with no money. 
I had XXXX dollars in the spending and a lil in my savings it wasnt a lot maybe 40 something dollars XXXX XXXX 2020 my account was put on hold XXXX XXXX 2020 it was closed stating I wasnt eligible for a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Capital Group, Inc.
State: TN

Complaint narrative:
I was removed 100 % from an account XX/XX/2020. The loan was from Paramount Capital Group through XXXX XXXX XXXX XXXX. Paramount Capital removed me from this account in full. XXXX has now sent this into collections. I HAVE BEEN REMOVED FROM THIS ACCOUNT. WHY is this being sent to collection if I was removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized loan servicing committed identity theft and fraud when they stole my identity and reported to all credit reporting agencies that a payment was made by me on a fake mortgage debt on XX/XX/XXXX by me and then sold the fake debt and fraudulent account without any verification for their Prior errors and blatant fraud to further the racketeering scheme for XXXX XXXX and XXXX XXXX to cover up its phony records it creates for XXXX and XXXX XXXX XXXX aka XXXX XXXX after they cook the books for XXXX XXXX XXXX with crooked lawyers to illegally foreclose on my home and business with fraudulent accounting where Sls is fabricating false records on case XXXX ca XXXX in Florida to cover up the Fraud, XXXX XXXX has constructed for XXXX to steal my homes equity and extort me for money not owed because they create fake reporting and make fake payments and commit forgery, identity theft like on XXXX XXXX on my record to keep the fraud alive for XXXX, XXXX, XXXX and XXXX in XXXX so they can get money from the government share loss agreement and make false claims for damages and steal homes disguised as business as usual in violation of state XXXX and false claims act laws And state penile code laws. I request a written response

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 2020-11-10 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: AFNI INC.
State: OH

Complaint narrative:
In XXXX AFNI fraudulently added a account that is not my account, during this time it was removed and they went under a affiliated name AfNI and put it back on my account. I dispute the debt and as it's being disputed the company continues to add the account again during the dispute. I have know knowledge of this account and the company has shown no verification the account is mine with my signature that I agreed to any said services with thier company or any affiliates. This is causing me stress and I have had to go see my Drs. As it has been a constant worry and harassment. I have contacted my attorneys and plan to move forward as it is causing XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi. I made a large purchase of personal computing hardware and software from a couple different retailers. Approaching $ XXXX in total from the end of XXXX into XX/XX/2020. The three credit reporting agencies all dropped my excellent credit score by a significant amount based on these purchases. This complaint is specific to Equifax. 

I have excellent payment history with all of my credit cards and credit lines going back 15+ years. I have automatic payments set up from my bank account paying in full whatever statement balance there is every month. I never carry a balance on my credit cards. My payment behavior with my other creditors is similar going back at least 15 years - always on time, always in full except for one piece of property and one car which were financed for a few years, though, both of them are now paid off. 

I called XX/XX/XXXX about this and was basically blown off. The representative wouldn't discuss the issue with me except to recite that the credit score is based on their system. I couldn't get them to acknowledge what my problem even was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I want to let to let you know that in my XXXX  company credit report, I have two delinquent accounts with Bank of America. I do not recognize the accounts in question because they are not correct, the reports shows I am delinquent in those two accounts I never opened. 
I arrived to the United States of America in XX/XX/2018, my residence was assigned in that date and gave my Social Security card was issued in XX/XX/2018. 
Before XX/XX/2018 I DO NOT have social security number assigned, no bank accounts opened or any credit cards.

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 2020-11-10 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: GA

Complaint narrative:
Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: GA

Complaint narrative:
Dear Experian/XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2020, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX. The Agent told me that I have a balance of around {$78.00} on the card. I was surprised about the balance, because I cleared all the balance long time ago and I havent made any purchases on the card in 2020. I strongly believe that Im not responsible for any of these transactions : 1. Without my authorization, it charged membership fee on the credit card for {$19.00} on XX/XX/2020 2. I was not aware of the membership fees, late fees, interests until today. I was in XXXX and theres no access to XXXX between XXXX and XXXX I called them twice this morning and asked for refund, but they told me they would only refund me a late fee of {$35.00} only if I agree to pay the remaining. I thought its super unfair and disagreed. Below is a screenshot of the fees charged without my awareness and authorization : Date XX/XX/2020 Minimum Interest Charge {$2.00} XX/XX/2020 Late Fee {$35.00} XX/XX/2020 Minimum Interest Charge {$2.00} XX/XX/2020 Late Fee {$19.00} XX/XX/2020 XXXX Purchase {$19.00} Total {$78.00} So, it is so unfair to me that Im named to pay for those unaware and unauthorized transactions, including the membership fees, late fees, and interests. I have been maintaining a very good credit score for years, and I always pay loans, credit card bills on-time. I hope you could help me resolve this issue fairly. 
Thanks

Company response to consumer: Closed with explanation