vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a phone call from a woman with phone number XXXX, claiming to be a representative from my bank Amtrust ( New York Community Bank ). The woman wanted to know what " money line '' was and who was this I was sending my money to? When I XXXX the phone number, XXXX belonged to a private resident so I immediately hung up, thinking it was a scam. I went in person to a local branch closet to my house and the bank representative said there is no problem with my account and could not understand why the other branch was calling me, unless it was for a fraud check or to sell an extra account. 

On XX/XX/XXXX I received a phone call from the same number claiming to be my bank Amtrust ( New York Community Bank ) and she wanted to make sure I wasn't being scammed and who am I sending and receiving money from in my checking account? I told her the online transfers are legitimate. The female representative then asked would I be interested in an extra business checking account in addition to my personal checking account? I said no, because I do not have a business. She then said that you look like you are running a business and " My XXXX XXXX Checking '' is only for personal accounts. I then told her if she was in the banking business or XXXX  XXXX XXXX XXXX she would see that it is a banking/brokerage account. I do not need any unnecessary business checking account. Thank you. I then called the corporate office and the representative " XXXX '' checked my account and said he could not find any problems. 

On XX/XX/XXXX, I received a certified letter from Amtrust ( New York Community Bank ) that my account will be closed in one month for no specified reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital has been trying to collect a debt that is not mine I do not know this debt they have been doing this for 25 years it was through XXXX telephone company I do not recognize the address the way they spelled my name was wrong and they had the wrong phone number I do not recognize the phone number that was dealt with this account or the name the way they spell my name is totally wrong they have the wrong last name misspelled every time I dispute this they put it back on my credit report if this has kept me from getting the home for the last 5 years

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: Fidelity Properties Inc.
State: OH

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX. I currently have an XXXX XXXX with Westlake Financial. To date, XX/XX/2022, I have received several threats regarding repossessing my vehicle, regardless of 5 or 6 days past due. This company repeatedly threatens to repossess the vehicle or make a payment, verbally. 

I am completely at a lost for words. I advised him that I would like to make a payment and he continued to directly ensure that it was out for repossession. I explained that I Today at XXXX XXXX XXXX XXXX I spoke with a representative XXXX and he explained that I do not qualify for any type of assistance and that my car is out for repossession. 

I have called several times repeatedly requesting for help ( numerous Westlake Representatives ) for status information, a return call from various negotiators as well as your Presidents contact information and/or the Department that handles Escalated matters such as this one. 

Please understand, I am not seeking any sort of sympathy, only assistance to get back on track. I am disheartened at how this company treats people during a pandemic and attempting to get back on track. I have been unsuccessful at obviously getting to the accurate authoritative person to provide me information that is a reciprocated interest, other than continue to mention repo. I was told that my last payment would bring my account current however, today, I was told conflicting information. 

To this day, I am very uncertain on how I was approved for a deferment and now I'm in repossession status. The company will continue to call and hang up when attempting to speak with a supervisor. 

I am humbly asking, once again for contact information for your Presidents office. I'm also advising you that we are taking necessary steps to seek the attention to my situation, because I am very certain that we are not the only auto owners that are being threatened. 
It is my opinion that because so many families are facing financial hardships that your department is so overwhelmed, and some files are not being properly handled and/or worked. It appears to be so much easier to decline or push a file off by repeatedly stating repo. 

It is my intention to work with Westlake, not build a fence between us. 

Respectfully, 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 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: DISCOVER BANK
State: FL

Complaint narrative:
multiple ( certified ) letters sent to company to verify this supposed debt per FCRA which is showing on my consumer credit reports. 

Discover has sent multiple invalid responses to my requested information per sections 609 and 611 of the FCRA. Company instead sent information on the opening of an account, a card sent, and sent statements. and in their words " considered '' this account valid. 

another certified letter was sent ( and received by Discover ) on XX/XX/21 asking for proper validation again including a copy of the supposed signed contract and the " other identifying information '' which they stated on their last validation letter. In addition, reminding them that I never gave consent ( per 15 U.S. Code 1681b ( 2 ) to furnish any of my personal information to anyone. This letter has not been responded to as of yet and information is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
In XXXX of XXXX I had an emergency XXXX ( XXXX ) and approximately XXXX XXXX XXXX XXXX. 

I gave the hospital my insurance information at the time. I do not remember if I payed a copay. 

A few months after the XXXX XXXX, I received a bill in the mail. I do not recall the exact date or amount. It was approximately {$1000.00}. I paid the bill online according to the instructions in the bill. 

A few months after I paid the first bill, I received another bill. This bill was for {$430.00}. I was suspicious because I had already paid a bill for the medical procedure, but I paid this new bill online according to the instructions in the bill. 

In XXXX of XXXX I received another bill. The bill said that my debt of {$430.00} was still unpaid. I called the XXXX  at which I had the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and spoke to the billing department. They said they had no record of sending me a bill or receiving payment. Then the XXXX  connected me to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. A representative from XXXX XXXX said that they had no record of sending me a bill or receiving a payment from me, but the representative said that there were some debts on my account and the debts had been sent to Transworld systems for collection.

I called Transworld systems and spoke to a representative. I asked to be given a summary of all of the debts on my account and an explanation of which medical procedures those debts were for. The representative said that she would send me that information via mail. 

I waited several weeks and did not receive the requested information. Then on XX/XX/XXXX I called Transworld Systems Inc. and spoke to a representative. I asked the representative to send me a summary of all of the debts on my account. The representative explicitly refused to send me this information.

This situation is unacceptable. Transworld is refusing to tell me the total amount which I owe. I think that if I pay this bill ( the one for {$430.00} again ) they will just send me another bill in a few months to see if they can get me to pay them more money. 
What I am specifically reporting is : It is Transworld 's practice to disguise the total amount of a balance by sending multiple bills spaced months apart. I spoke to a Transworld representative who explicitly refused to reveal my total account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I received a call from a Wells Fargo phone number on XX/XX/2021 with someone who claimed to be a representative from Wells Fargo. He asked if I, or someone, had charged {$3000.00} in Minnesota from my account because there was a charge, even though I could not see it from my WF app. I told him that was not me and he sent me a confirmation text with a code to read back to him just like Wells Fargo does, making this fraudster more believable. He then walked me through the steps to XXXX myself the {$3000.00} saying that it would reverse the payment so the money was not removed. The money disappeared from my account and then he assured me that it would be back in my account within 24 hours. When it was not, I called Wells Fargo and they informed me that nobody from there had called me and it was fraud. I called the fraud phone number of Wells Fargo and each time they opened a claim it was closed for unknown reasons- nobody even notifying me that it was closed or that I wasn't getting my money back. I talked to someone in person at Wells Fargo who also was of no help because everyone was telling me this situation is not considered fraud. I received an email recently explaining this exact situation and to beware of fraudsters that will take money by XXXX and to call the Wells Fargo Scam & Fraud line ASAP. I did that many times and nobody is helping me! I can not lose this money and it is not my fault that someone was able to access my information and manipulate a Wells Fargo phone number to steal money.

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 information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have sent Experian my credit report along with proof of identity of myself with 3 items that they ask. I wrote to them about accounts that are being reported inaccurate and is damaging my credit. Ive sent my credit report priority mail with a letter to dispute accounts that are inaccurate. They responded with saying that they verified it with the creditor however I have not reviewed anything in the mail or have they mailed me anything identifying its a legitimate account or it belongs to me. This violates my rights as a consumer and they arent following Fair Credit Reporting Acts by not identifying the account with me. If the creditor verified the account, than I as a consumer should receive that as well. Experian bureau failed to do so by not explaining anything or send a mail of verification.

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 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XX/XX/2021 Reported fraud transactions that was not made by me or my spouse, then it kept going till XXXX XXXX! Called Amex again and asked them why are there more charges?? Well the person I spoke to on XX/XX/XXXX guess never closed the card and issue new card. Theyre were tota 8 transactions to a company that was in a different country. Youre talking about few thousand within 4 day time frame. Called American Express and reported, they credited back all 8 transactions. Then XX/XX/2021 out of the XXXX charges, 6 of them were charged back and have to pay. I reached out to Amex and asked them to reconfirm and the live chat customer service assured me that all 8 are credited back and I would not be charged. Then reached out again and ask them why only 2 transaction out of the 8 were disputed, which doesnt make sense! Who ever had placed the 8 disputes had obviously did it wrong and file all as unauthorized, but 2 transactions. All 8 transactions were unauthorized charges with same problem, same story, from same person, but only 2 got disputed. Makes no sense. I called multiple times and was told they re-opened for further investigation. Then had called asked for status and got the run around and was told again would need to re-open for investigation from back office. Which means the first time it was never re-open for investigation. Every time I call back for status, they keep saying have to wait and get answers from back office. Was in middle of buying a house and we couldnt have this high balance our credit report, by the time we had to close on our house. The lender would not approve and we could not close on the house unless we pay Amex off in full. So we had no choice but to pay what was outstanding, plus XXXX that was supposedly still under investigation. We have yet heard from Amex and was so tired and overwhelmed. Finally closed on our house and because of this, it have hurt us bad which caused us short on funds to take care of other bills. Then Amex lowered our credit limit due to other high balance/payment issue. Well guess what? Amex you are the caused how I started to fall behind. Below are the dates and amount of transactions. We have been with Amex for years and never have had experience with such bad customer service until this past year. Had ran out of energy to fight and gave up until I found out about how I can repot to consumer complaint and had no idea could do that till now. 

Unauthorized transaction : XXXX XXXX - {$1500.00} XXXX XXXX - {$1100.00} XXXX XXXX - {$1400.00} XXXX XXXX - {$1100.00} XXXX XXXX - {$1500.00} XXXX XXXX - $ XXXX disputed  XXXX XXXX - {$1100.00} - disputed

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ARS National Services, Inc.
State: OR

Complaint narrative:
Received the same message today. the XXXX left me a voice message claiming they needed to come to my home between XXXX on XX/XX/XXXX to give me some documents and I needed to provide to pieces of ID. and referenced a case # with the last 4 of my SS #. Also said to reschedule the appt ( which I never made one ), then to contact XXXX. Which I contact this number and asked who they were, the guy said ARS. I asked what is ARS and he said they were mediators for a client. I asked who the client was and he would not tell me. I didn't even get this person 's name and on the voice message there was no name or company name mentioned either. I told him, that no one is coming to my home or business and talking with people to get information about me. He told me to " just shut up '' and hung up. I called XXXX number and the message is exactly the same as the XXXX number. I too had identity theft and these guys used my married name which I have not used since XXXX. I don't know about you folks but I am pretty tired of these collection companies. They need to be illegal nationwide. I kept the voice message for evidence.

Company response to consumer: Closed with explanation