vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
There is financial sleight of hand & malfeasance going on at wells fargo ( again ). I have had this happen previously, and finally decided to take the time to report it. 

Whenever I use my debit card, the amount is immediately subtracted from my account. So unless there is an outstanding check or ach payment, the " available balance '' shown in the wf app on my phone should be accurate. 

On XXXX, after transferring {$270.00} to another account, my available balance showed to be approx. {$13.00} in the wf app on my phone. I then bought {$12.00} worth of gasoline. There were no outstanding checks or ach 's. 

The next day in the app, wf showed transactions having " posted '' to my " ending daily balance '' in an amount that they say left me short of covering the {$12.00} purchase and the {$270.00} transfer. So they charged me two {$35.00} nsf fees. They also paid the two transactions and claimed my balance was now - {$180.00} when it should have been positive approx {$.00} or {$1.00} The " posted '' transactions on XXXX in wf 's version of things, show to have been made days earlier, so they had been already subtracted from my " available balance ''. I keep close track of my " available balance '', so I know they had been subtracted already. None of those supposedly posted transactions that day had been {$1.00} holds as wf said to me on the phone, they were authorizations made for the full amount and subtracted from my available balance immediately on the day they were made, then subtracted again from my " ending daily balance '' when they " posted ''. 

The wf app will not let me take a screenshot. What's that about other than preventing people from easily having evidence? 

How can they charge me an nsf for having made a transfer the previous day from one wf account to another wf account? They allowed me to do it because my " available balance '' was sufficient, then the next day they charged me an nsf fee based on debit card transactions having " posted '' that night. None of the newly " posted '' transactions were ach 's or checks, only debit card transactions. 

This means they are telling me that they didn't know those debit card transactions had been made until they " posted '' days later. 

They were very willing to credit me the {$70.00} in fees and did so. But they claim I was short by approx {$110.00} when I know I was not, and my balance shows XXXX while it should show + {$.00} or so. 

This is evidence of fraud on a massive scale, from a company that has been caught cheating their customers previously. 
Thank you.

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 2021-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 ) This is an unauthorized account popping up on my credit report. This account was opened without my consent or knowledge I would like to have it removed immediately. This has caused a stagnation for my financial goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX sent letter to credit bureau asking for Method of Verification of bankruptcy ( did not dispute, just asked for MOV ) On XX/XX/XXXX their response was by the Bankruptcy court/XXXX On XX/XX/XXXX sent letter to USBK COURT XXXX  VA-asking if they verified and on XX/XX/XXXX I received their letter back, stating they do not report to the credit bureaus. 
On XX/XX/XXXX sent a letter to XXXX the 3rd party agency asking them to send me documents used to verify alleged bankruptcy and on XX/XX/XXXX I received a letter back stating " After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of the bankruptcy and removed this record from my XXXX report. 

On XX/XX/XXXX sent letter along with court house letter and Lexis Nexis letter stating the bankruptcy was unverified and to remove from credit and on XX/XX/XXXX I received a response back stating " we investigated the info you disputed and updated : NOT SPECIFIED '' and showed how it appears on my credit file>did not remove. 

On XX/XX/XXXX sent letter to credit bureau again stating the bankruptcy is not verified, stating I had provided proof that their method of verifying was invalid and warning that I would file a formal complaint to which no response has been received.

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 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: CA

Complaint narrative:
Dear Sir, My dispute claim was turned down on the reason that the Company certified that the Payment report to be true. I sent a second dispute request proving that the data is FALSE! 
Here is my 3rd dispute and, if not accepted, I'll see them in court. 

Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 1. XX/XX/XXXX report shows the balance at {$28000.00}. 
2. XX/XX/XXXX report shows that the full amount of {$28000.00} was paid. 
3. XXXX, XXXX, XX/XX/XXXX reports show {$0.00} paid and yet the payment history show no late payment status. 
4. XXXX and XXXX history are the SAME and yet they show 30 and 60days late!! 
These are the FALSE statements. 
5. In XXXX, I received a notice that they received full payment. 

Balance history XXXX XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$28000.00} Paid on XX/XX/XXXX XX/XX/XXXX {$28000.00} Balance {$0.00} Schedule payment {$0.00} Paid The original amount of this account was {$28000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Your statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 



Please take immediate action and correct my status. 

Thanks, 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 2021-09-29 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: CA

Complaint narrative:
Dear Sir, My dispute claim was turned down on the reason that the Company certified that the Payment report to be true. I sent a second dispute request proving that the data is FALSE! 
Here is my 3rd dispute and, if not accepted, I'll see them in court. 

Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 1. XX/XX/XXXX report shows the balance at {$28000.00}. 
2. XX/XX/XXXX report shows that the full amount of {$28000.00} was paid. 
3. XXXX, XXXX, XX/XX/XXXX reports show {$0.00} paid and yet the payment history show no late payment status. 
4. XXXX and XXXX history are the SAME and yet they show 30 and 60days late!! 
These are the FALSE statements. 
5. In XXXX, I received a notice that they received full payment. 

Balance history XXXX XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$28000.00} Paid on XX/XX/XXXX XX/XX/XXXX {$28000.00} Balance {$0.00} Schedule payment {$0.00} Paid The original amount of this account was {$28000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Your statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 



Please take immediate action and correct my status. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: CA

Complaint narrative:
Dear Sir, My dispute claim was turned down on the reason that the Company certified that the Payment report to be true. I sent a second dispute request proving that the data is FALSE!

Here is my 3rd dispute and, if not accepted, I'll see them in court. 

Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 1. XX/XX/XXXX report shows the balance at {$28000.00}. 
2. XX/XX/XXXX report shows that the full amount of {$28000.00} was paid. 
3. XXXX, XXXX, XX/XX/XXXX reports show {$0.00} paid and yet the payment history show no late payment status. 
4. XXXX and XXXX history are the SAME and yet they show 30 and 60days late!! 
These are the FALSE statements. 
5. In XXXX, I received a notice that they received full payment. 

Balance history XXXX XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$0.00} Paid on XX/XX/XXXX XX/XX/XXXX {$5000.00} Balance {$670.00} Schedule payment {$28000.00} Paid on XX/XX/XXXX XX/XX/XXXX {$28000.00} Balance {$0.00} Schedule payment {$0.00} Paid The original amount of this account was {$28000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Your statement NEVER LATE, ACCOUNT WAS PAID AS AGREED. 



Please take immediate action and correct my status. 

Thanks, 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 2021-09-29 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: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
Bridgecrest stated that the balance on my account is due to the XXXX  deductible which ally only covered XXXX and the insurance didnt however the insurance company took the XXXX  deductible out of the settlement check before they even paid Bridgecrest so Im still confused as to how do I have a left over balance on my account when there was no deductible included in the first place the settlement amount that the insurance settled for was XXXX when they subtracted the XXXX  dollar deductible that left a balance of XXXX so again Im confused why they are saying the balance left on my account was the amount the insurance didnt cover

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 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
XX/XX/2021 : My husband tried to make an airline purchase online for a little over {$900.00} today. He received a text with a validation code ( twice ) which did not work. We received an email with a case # stating " As a security measure, we routinely monitor account activity to prevent fraudulent use of our customers accounts. 
During a recent review, we identified activity on your account that may be related to fraudulent usage and need you to verify this activity as soon as possible. '' I immediately called the phone number on the email ( XXXX ). I was put on hold and told it would take approximately 45 minutes for the fraud department to unlock our cards. Meanwhile I called the number on our card for customer service XXXX. I asked to speak to a supervisor, after begging for some time I spoke to " XXXX id # XXXX  '' who said they are busy and the hold time is 2 hours and she could do NOTHING. I have now been on hold for over 2 hours. This is the only credit card I own. My husband used a different credit card that he has ( I am not linked to ) because the price of the airline ticket actually increased {$13.00} in that amount of time. We do not get points on the card he was forced to use to ensure the airline ticket was secured. I can not believe they are treating customers this way. We did not choose for them to lock our cards. We do not have any stipulations set on our credit card asking them to do this.

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 2021-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: INTERFIRST MORTGAGE COMPANY
State: GA

Complaint narrative:
I want to report the mortgage company I just worked with for not following the law. I applied for and received a home cash out loan. 

My mortgage originator and company : Interfirst XXXX XXXX XXXX # XXXX Mortgage Loan Originator XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX XXXX  : XXXXXXXX XXXXXXXX XXXX : XXXX | XXXX : XXXX  I requested to review the loan documents before closing. I couldn't get anyone to respond and supply them. I had to demand that I get the Loan Document disclosure 3 days prior to closing as required by law. They finally provided it at XXXX XX/XX/XXXX. My closing was XX/XX/XXXX at XXXX XXXX. 

I wasn't able to review closing loan paperwork/promissory before closing. I only received the Closing Document the night before closing. 

I NEVER received a 3 day right to rescind. When I signed documents, I signed with an attorney that came to my home, not the one I requested, but it was too late to change the night before. 

I signed the documents, and she said she will have them witnessed when she goes home by her son. 

I didn't receive any copies of the documents, nor did Interfirst inform me there is a 3 day wait to receive funds or that I had a right to cancel. 

I continue to call and email asking about funds and how I would receive them. They did not respond to my requests. I also requests copies of my loan contact, signed documents. They have not given me them. On Monday XX/XX/XXXX XXXX informed me I had to wait 3 business days for funding. I requested my loan documents from XXXX but haven't gotten anything. 

I then called the attorney and she sent me a PDF of the unsigned documents. XXXX XXXX XXXX, XXXX. The mortgage company has sent nothing. 

As of now, I don't know how I'm supp ose to pay the loan, I don't know what my rights are. 

They shouldn't be able to not provide documents that are required by law.

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 2021-09-29 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter in regards to erroneous and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being disregarded. Segment 611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to promptly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased expeditiously. I request that these records be erased promptly or I will petition for prosecution because of the pressure you have caused me. My data was likewise affected by the Equifax information break and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: PA

Complaint narrative:
I am writing to dispute any and all alleged debt. I requested burden of proof in credit file dating XX/XX/21 but did not receive that information. A very detailed letter was sent and a Company name I did not state on that letter was disputed stalling the process. I need all documentation stating that this alleged debt belongs to me and not a billing statement or credit report stating verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I contacted the company Receivable Performance on late XXXX, I was given a settlement offer to resolve an outstanding balance with XXXX. I asked the representative if the account would be remove from my credit and the representative said yes and told me once the account is paid they will request a deletion on my personal credit report. Now after 2 months I noticed the account is showing on my credit as paid and I contacted them on XX/XX/XXXX and had to speak with a representative from the escalations department. I spoke with XXXX XXXX and she said they never offer the credit report deletions, I explained her that I am sure the representative promised a credit report deletion and that I needed because I am applying for a mortgage loan, she said they would review the call and asked for some days. Today I called her back and after XXXX hour on the phone I was able to get a hold of XXXX XXXX, she said she will call me in 5 min, after 50 min I had to call her again since she didn't called me back. When she finally pulled my account she said that after reviewing the call, there were some noise on the background and she can not confirm if the the representative I spoke did or did not promised a credit report deletion, but she assume the representative did not. That is not a fair investigation, I explained I need this account delete from my credit report because I will lose my mortgage deposit. At this point I just don't believe that XXXX XXXX reviewed the call. At this point I am requesting to Receivable Performance Management LLC a copy of the recording because don't believe on the background noise answer, I am sure the representative promised a credit report deletion and if I lose my home deposit for this I will sue Receivable Performance Management LLC for the money lose and the thousands of dollars I can save on with the current history low interest rates.

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Resource Systems, Inc
State: TN

Complaint narrative:
UNITED RESOURCE SYSTEMS ACCT : XXXX Total : {$1500.00} Someone stole my identity, got arrested in Mississippi, and received healthcare from at least XXXX XXXX XXXX  XXXX XXXX. 

My identity was stolen please help. 

I know there are probably more bills that are fraudulently in my name this is all I have currently.

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 2021-09-29 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: TX

Complaint narrative:
I sent a letter on XX/XX/2021 by USPS certified mail to Equifax, XXXX, and XXXX, disputing inaccurate information they are reporting to my credit report and they failed to send me results of any investigation! They are in violation of the Fair Credit Reporting Act by continuing to report unverified/inaccurate information to my credit report and I demand they immediately reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation