vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 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 account was hacked three times thru Wells Fargo. The charges were all taken from cash app from my account to some cash app account. the first claim I was able to be refunded. I went to the bank to get a new card. Not too long after similar fraudulent charges again to cash app were made. This made me believe my account number it self was compromised I was assured by the bank it was not and they wouldnt allow me to get a new account or withdrawal all the funds from my account as my last name on the account was my married name XXXX not my maiden XXXX. I was divorced and needed a certified copy of my divorce decree instead of the online copy I received as the divorce was done all online during covid. Well for a third time my account was hacked for {$5700.00} and {$2500.00} from the same exact way thru cash app and Wells Fargo is continue to deny my claim as I keep trying to escalate it. Had I have been able to get a new account or take my money out of my account as I tried this would not have ever happened for a third time. My concern as well is if I already had two fraud claims just since XX/XX/2021 for large amounts, why wouldnt these charges cause a red flag at the bank? I have filed a police report along with a claim with Washington State Attorney XXXX XXXX. Please help me to get my money back I am a single mother of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a Vanilla Visa gift card on XXXX XX/XX/XXXX at XXXX XXXX exchange for {$480.00}. I tried to use the card on XXXX XXXX and the card was decline. Upon further review, it was used twice at a XXXX in the XXXX area. One for {$220.00} and the other for {$250.00}. The card has been in my possession since purchase and I did not use the card. I contacted Vanilla gift card customer service on XXXX XX/XX/XXXX and filed a Dispute packet ( Ticket/Case : XXXX ). I was told it could take up to 90 days to investigate the dispute. I called to day and was told that investigation started on XXXX XXXX and can take up to 90 days to investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you XXXX XXXX XXXX. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
To whom it may concern, I applied for a VA refinance through my current mortgage lender " Freedom Mortgage '' XX/XX/2022 ; The lender point of contact was XXXX. I paid for an appraisal as requested but an appraisal was never performed nor was it refunded back to me when they closed the loan process. I tried many times to retrieve my refund through their customer service. they gave me the run around and said a refund would be issued but the last contact I had with them they said it could not be processed. Services were never rendered to include loan never completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Early warning is a consumer reporting agency that specializes for banks. I discovered in XXXX of 2021 that they were reporting information from several banks that did not belong to me because of identity theft. 2 of the banks agreed with me and they stopped reporting at early warning. XXXX, who I have already filed a complaint against for the same actions because they are the ones reporting it too early warning. Early warning has all the proper documentation to remove that account from my file. They are going with a report from XXXX. They have the certified police report as well as the identity theft report in their possession. They go by what XXXX supplied them only XXXX has never talked to me since since I went to the police. The police cleared me because they caught the person that did this and my fingerprints did not match his. That's how I know I am right in this and these people are wrong and harming me because they are arrogantly stupid and doing something that is wrong and against the law. It is beyond me that these people think that they could be correct when the police have already proven it wasn't me. Like trump when he took out the full page ad in XXXX XXXX XXXX XXXXXXXX after the XXXX XXXX XXXX were cleared because of DNA evidence. Sometimes people just want to be right when they are 100 % wrong but when it harms somebody they need to get over that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: NY

Complaint narrative:
XXXX XXXX reported to the three credit agencies that I paid my XXXX, XXXX, and XXXX bills very late. This was not true. ( If you check ALL of my credit history, you will see that I've charged about {$80000.00} a year almost every year for the past four decades and never once paid a bill late or incurred a late fee. I contacted XXXX at the time, we settled the matter, and they said they would report the update, but they haven't. I also contacted Experian to try to get them to get this updated but they didn't respond. This is badly damaging my credit score. Please can you help 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 explanation
Consumer complaint received 2022-02-24 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 — Investigation took more than 30 days
Company: I.C. System, Inc.
State: PA

Complaint narrative:
i dont know why this is still reporting on my report when I have already toldf XXXX about them violating my rights by keep posting this account like its mine. 
Account Name : I.C. SYSTEM, INC Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I do not consent to any of the following closed accounts be reported on my consumer report for equifax, XXXX XXXX XXXX, balance {$510.00}, opened XXXX. XXXX XXXX, balance {$0.00} opened XXXX. XXXX XXXX XXXX balance {$1300.00}, opened {$0.00}. XXXX XXXX XXXX, balance {$0.00}, opened XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: WA

Complaint narrative:
XXXX XXXX card account handled by XXXX Bank was charged off more than five years ago, but a collection agency Crown Asset Management , LLC is now starting to try and collect the debt on this charged off account of XXXX under File number XXXX. When t CROWN ASSET SENT ME A collection request around XX/XX/2022, I replied in writing with their letter stating that the account at XXXX Bank they are trying to collect was charged off more than XXXX years ago. And I am no longer liable for the debt. They then sent a packet dated XX/XX/2022 attempting to collect this >5 year debt which shows as closed with no pending balance as of today at the XXXX credit bureaus. I've made a good faith call to the lawyer handling this case XXXX XXXX XXXX and spoke with a collector XXXX XXXX XXXX this case and confirmed my address and personal info with her today Thursday XX/XX/2022 regarding the illegitimacy of this debt because of its charged off status, and that I am no longer liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I purchased a new washer and dryer from XXXX. It was delivered damaged so I refused it and they did not show up twice for the rescheduled delivery so I cancelled the order. XXXX processed only a partial refund however. The order total was {$2500.00}. They processed two refunds. One for {$2000.00} and one for {$360.00}, leaving me with a balance of {$170.00}. I filed a dispute with Synchrony for the {$170.00}. They denied the dispute based on information from XXXX stating the items had been picked up. The information they provided showed my receipt as well as a screen print from their system showing picked up items. However, the screenshot was of someone elses order and the items in the screenshot do not match those on my receipt. I notified Synchrony of this as well as provided screenshots of the XXXX website showing the items had not been picked up. And their response was to congratulate me that XXXX 's had already credited me the {$2300.00} and my dispute was approved. However, this still left me with the balance of {$170.00}. So my dispute was not resolved. I contacted Synchrony by phone today t ask them to resolve and their response was they would open another dispute and see what XXXX has to say. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As I reviewed my recent report, I have found some erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Equifax to correct and update these matters but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXXXXXX XXXXXXXX Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX Balance {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
In 2015 i bought a motorcycle from XXXX XXXX in XXXX. In 2015 I bought my first home with my wife. The home was brand new construction and theft kept occurring throughout our new neighborhood. The new house next door to ours was not yet completed at the time but had all brand new appliances stolen. My new motorcycle was stolen and I reported this to police. I made contact with XXXX and the insurance about what had happened. The insurance covered through XXXX covered what I thought was 100 % of the loan. It infact did not, around {$1500.00} was left on the loan. They told me to have Gap insurance pay the remainder. I was confused with the paperwork and thought I had the right documents and steps taken. I received a debt from XXXX of {$1500.00} that was supposed to be paid for. I continue to be negatively effected by XXXX XXXX company after 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State 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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX, XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX Balance {$170.00}

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