vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CT

Complaint narrative:
Account Ending : XXXX According to a rep in Discover Bank security dept/fraud by the name of Sunny, an amount of {$140.00} was sent to XXXX XXXX as part of a fraud claim. This amount was sent to XXXX XXXX and not myself I believe in error, attempted to obtain check number and or image of check, unable to do so. Further, I attempted to clarify account balance which showed overdrawn according to previous reps in the amount of $ XXXX, it now shows overdrawn in amount of $ XXXX according to Discover letter dated XX/XX/XXXX. It appears Discover made an error in calculating closing balance, it was not overdrawn prior to closing. The amount of {$140.00} is part of a fraud claim made in the amount of {$690.00}, prior complaint made in re, unresolved to date. This amount was also supposedly sent to XXXX XXXX, whom is unable to locate as far as I know. I've attached both letters showing different closing balances for reference. As for current overdrawn amount of $ XXXX, please advise Discover this appears to be an error and will not pay it, if sent to collections agency, they will be advised of account balance before closing and various different amounts thereafter which do not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I did not live at the following addresses and they are reporting on my credit files : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 my personal information ( phone number, ssn, home address etc ) was compromised by an unknown person whom I will call hacker. 

The hacker accessed my banking app with the information he obtained. 
At the same time I was calling wells fargo multiple times in order to lock and freeze my account and stop anyone from accessing the funds, but the workers from WellsFargo were not very effective at protecting my account and the hacker continued to have access to my card and account, The hacker then transferred money in my account to different crypto currency platforms such as coinbase, crypto.com, and XXXX. Also the hacker used XXXX to transfer money to someone named XXXX whom I do not know. The hacker also used atm from different locations and withdrew thousands of dollars. When I finally had access back of my account from visiting the branch in person I saw unknown phone number registered on my WellsFargo banking applicatoin. ( all will be attached as files ) Even with my full effort to stop this from happening the damage was done. So I filed police report and soon was able to have detective investigate my case and is currently going on. 

I have requested reimbursement of this fraud to WellsFargo but they rejected saying that they think it is me that did this. 

The response from WellsFargo was very unexpected since this is a very obvious case of fraud and they have record of me constantly reaching out to them to stop this from happening. I had no idea who I needed to contact for help then found out about CFPB. 

Please resolve this case for me, I will provide any additional information needed. Also all attachments that I have will be uploaded with this ticket. 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 monetary relief
Consumer complaint received 2022-03-02 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: NJ

Complaint narrative:
There are a few accounts on my report I do not recognize

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I SENT IN MY DISPUTE LETTERS ALONG WITH FTC REPORT. 
THE INFORMATION ON MY REPORT WRONG.

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 2022-03-02 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/22 I was denied a credit card application from Amex XXXX XXXX. 

They said We are writing to let you know that, unfortunately, we can not approve your application at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I sent Harris & Harris a cease and desist, a debt validation letter, affidavit of truth and an invoice all notarized. In that letter I asked them questions pertaining to the alleged debt. I am demanding the company answer my questions they are on notice I gave them 30 days. I received noticed XX/XX/XXXX be mail they received my letter. Harris & Harris violated my federally protected rights. They contacted me without my consent per section 15 USC 1692c ( a ). Without the prior consent of from consumer given directly to a debt collector, a debt collector may not communicate with a Consumer about a an alleged debt. Harris & Harris sent me a false and deceptive form pursuant to 15 USC 1692j ( a ) stating that, I owe a debt and they are debt collectors ( see attachment ). They used obscene and profane language in that deceptive form. This company is coercing me to pay an alleged debt. They bought my information from the alleged creditor which means debt was paid or wrote off. They are diminishing my character and running my reputation. I am the original creditor the transaction originated from my ssn. Which make the alleged creditor a debtor whom should be paying me pursuant to 15 USC 1692a ( 6 ). Seems to me everybody benefited from the transaction except me. I have 5 calls from this company check their records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per federal law I am owed {$500.00} per call XXXX XXXX sent me a bill in the mail after I visited the company XX/XX/XXXX I asked the associate a couple of couples about charges. I am confused on how I know owe an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received a letter on XX/XX/XXXX from XXXX mortgage stating there was a lapse in home insurance from XX/XX/XXXX to XX/XX/XXXX and will be charged XXXX to cover that period. I spoke to them on the phone and the person agreed there was not a lapse. I uploaded to their site XXXX XXXX XXXX my insurance coverage information. On XX/XX/XXXX I received a letter stating I have an escrow shortage and they will deduct the amount due over 12 months. They are unreachable by phone. I have sent them a letter in writing to no avail.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: GA

Complaint narrative:
There are quite a few inquiries that i did not recognize on my credit report. I will list them below and would like for them to be looked into and removed please thanks.1-Flagship XX/XX/XXXX. ( 2 ) XXXX XXXX XX/XX/XXXX. ( 3 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 4 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 5 ) -XXXX XX/XX/XXXX. ( 6 ) -XXXX  XX/XX/XXXX. ( 7 ) XXXX XXXX XXXX XX/XX/XXXX. ( 8 ) -XXXX XXXX  XX/XX/XXXX. ( 9 ) XXXX XXXX XX/XX/XXXX. ( 10 ) XXXX XX/XX/XXXX. ( 11 ) Flagship XX/XX/XXXX. ( 12 ) -XXXX XXXX XXXX XX/XX/XXXX. ( 13 ) -XXXX XXXX XX/XX/XXXX. ( 14 ) -XXXX XXXX XX/XX/XXXX. ( 15 ) XXXX XXXX XX/XX/XXXX. Please investigate this unrecognizable and unauthorized inquiries please thanks.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SENT IN MY DISPUTE LETTERS ALONG WITH FTC REPORT. 
THE INFORMATION ON MY REPORT WRONG.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SENT IN MY DISPUTE LETTERS ALONG WITH FTC REPORT. 
THE INFORMATION ON MY REPORT WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
Hello I have a major issue with discover I have been a long standing customer about 6yrs and I have never miss a single payment. Though I have been a loyal good paying customer my loyalty has never paid off. My credit limit has been and remained at XXXX. 
With that being said there continues to be an unauthorize charge on my account from XXXX XXXX XXXX for XXXX. I immediately reach out to discover to dispute this transaction as I didn't authorize this charge. They dispute the transaction pending investigation. At that point I contact XXXX XXXX and ask them who authorize them to charge my card they claim my card was on file which was not true. Why would i have a card on file that has a XXXX limit and you charging XXXXSo I told them remove my card and never charge it again on a recorded line. However I'm confused as to why Discover would even let the charge go through of XXXX when they only have me at a XXXX credit limit then allow that account to be over drawn. I called discover and explained the situation they say well even though I told them to not charge my card they still can charge it. That makes no sense to me that tells me anybody can go into my account and charge as they please and I'm on hook for the bill. So Discover put the amount back on my card so I end up paying it based on me calling XXXX XXXX to not charge it again. I check my Discover on the XXXX to make a payment and there it is again another charge for XXXX from XXXX XXXX now this is really getting out of control Again why did Discover allow the charge to go through now my account is back over the limit so i dispute again they take it off and place it back on. How is this legal a company can just charge your account as they please even though I have a email stating this is a one time use of the card and they continue to charge it and Discover fails to block the charge and allow it to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
A representative from National Credit Systems Inc. informed me that I would be sent verification documents ( XXXX  ) in the mail along with settlement offers. When I called in XXXX of 2020, I was told that I had a settlement on file that was mailed to me, per the representative. Which I never received. I tried to see if I could take advantage of the 55 % settlement offer that was on file. The representative stated that the system was down on the final date of the offer letter. To take advantage of the settlement, the representative would honor the settlement but not give me 30 days to pay off the debt but only 24 hours. I once again ask for settlement offers to be mailed to review. As of today 's date, I am checking my USPS informed delivery. I have yet to receive any documents via mail in the year I have been paying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: VA

Complaint narrative:
I have been reaching out to EXPERIAN, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EXPERIAN and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO FIN XX/XX/XXXX XXXX OF XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-02 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: NJ

Complaint narrative:
There are a few accounts on my report I do not recognize

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 2022-03-02 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: NJ

Complaint narrative:
There are a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC
State: MD

Complaint narrative:
I was contacted on XX/XX/XXXX from Frontline Asset Strategies regarding a debt XXXX XXXX said I owed. The debt had been paid on in either late XXXX or early XXXX. They said they would dispute the balance. Since they were calling my workline I asked them not call it again and use only my cell phone. 

They contacted me again today on work number and then attempted to collect the bill. I reiterated that the bill had been paid and why they were calling this number. The rep XXXX XXXX XXXX stated that she had no record of being told not to call my work phone and proceeded to try and collect the debt. I asked to with her manager ( XXXX XXXX who said they would put the note on their not call this number again and put the debt back in dispute. 

They still continue to contact me over a non-owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NE

Complaint narrative:
XXXX XXXX switched from XXXX XXXX to XXXX. I had a payment scheduled for the full amount of my balance, but the payment was cancelled by XXXX during the transition. Apparently, this was done with everyone. They sent out an email to sign up through the XXXX website but the website constantly crashes, no one will answer the phone or emails and I can not make my payment. They say late charges will be waived but it says nothing about interest. I want to pay but can not pay do to not having a payment address, statement and not being able to get into the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
General Motors Financial is stating I have an outstanding balance. I made every payment on my lease. They put on my credit report that I owe them {$650.00}. I never received a bill. They are the worst company I have ever dealt with. They adversely affected my credit without notice. I will never buy a GM product again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: NJ

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.

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 2022-03-02 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation