vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Am sending in this complaint to get my name on record immediately. I am not at home. Saw your bulletin reference Wells Fargo. My own divorce counsel ( which I allege was bought by my ex & corresponding with him during our divorce ) stated on my divorce trial date that he chose not to believe my adamant statement that I never signed a {$200000.00} ( or {$200000.00} ) re-fi with Wells Fargo in XXXX. Due to his refusal I walked away with no proceeds being mandated to be distributed to me at the divorce trial. I did call Wells Fargo somewhere during XXXX knowing all the names of people my ex dealt with and the most important individual was transferred to another NJ branch XXXX This individual ( a woman ) called the house and asked for spouse and sounded highly scared. When I said he wasnt home, she hung up on me. I called the branch she was moved to. I was informed my signature was on a notarized document so I requested Wells Fargo to send me a copy. They agreed but I never received said copy. My ex did a number of highly illegal actions using my personal data with many of them. Mostly all was done via cybercrime when I discovered he had his IT company put a portal from my desktop at home into his laptop at his company. We were divorced on XX/XX/XXXX but I have enough documentation to support my allegation what Wells Fargo did in collusion with my ex husband. I gave up years ago after discovering so much identity theft he had done over 10 years ( and is still doing ) that has had me living in poverty. With no family and losing all friends due to his abuse, I had no option but to stop trying for justice. I discovered all the high end players involved, discovered his heavy gaslighting of my character over the years and decided there was no way I could ever go up against Wells Fargo plus the other serious issues he had done relative to HUD homes and every car I bought. When I saw this big penalty lodged against Wells Fargo, I thought maybe the government would finally give me a voice. To reiterate, I have all documentation

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 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
I have repeatedly told this company I am not paying this debt due to predatory loan practices as well as requested a hard copy of my loan application and what they used to verify my income. They call me several times a day and on weekends early mornings and after XXXX  at night. The contract I entered was broken and they refused my request to stop payment at the time of installation as product was not installed properly or completed. Now they call us everyday multiple times even when I answer and repeatedly tell them the same thing. This has been happening for months now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated. However, how is that possible if last date reported, account number, payment history is invalid or incomplete in all XXXX credit bureaus. When it should be 100 % accurate. 

This is a continuous violation of my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a reporting consumer agency can not furnish a account without my written instructions. 

I demand to delete accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( as they are different account numbers on each bureau ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize any of these accounts, therefore. Please update everything 100 % accurate or delete them immediately. As they are causing me outrages interest rates. ( Example paying {$340.00} on a {$6500.00} car loan. ) This is my last letter in regards to correct this errors. I understand I have the right of up to {$1000.00}. For every violation on my credit report and will proceed as follows. 

Thank you for your time with this matter.

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 2023-01-17 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: CA

Complaint narrative:
My personal information was compromised will hospitalized. 

Now I just want to rectify the situation!

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 2023-01-17 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: CA

Complaint narrative:
My personal information was compromised will hospitalized. 

Now I just want to rectify the situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one is violating me as a consumer by furnishing a misleading inaccurate account on my credit report. They are failing to comply to the FCRA. I've sent in multiple concerns and we still have a problem. They disregarded my dispute multiple times. I'm asking CFPB to help me with this situation. This account is not maximum possible accurate which is the FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Abusive and deceptive practices regarding loan circumstances, unjust interest rates, deceptive business tactics, deceptive dealership consumer luring, using discretion with vital information in consumer regard, dealership being compensated after loan and payments being made. Misrepresenting finance-and-insure products as mandatory and hiding the fact they were there within the deals to buy the cars. Pretending to be third party companies within the contract such as XXXX and repair shops. Deceptive consumer reporting and refusing to show receipt of check from XXXX company as requested. They are in violation of Georgia Usury laws of maximum 7 percent.

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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am an XXXX XXXX XXXX woman. On XX/XX/XXXX, I was a victim of fraud. Basically, someone scammed me into sending him a wire transfer from my Wells Fargo bank account of {$21000.00}. Wells Fargo did call me when I initiated the wire transfer but the scammer was still on the phone with me and told me what to say to make the wire go through. 

I have filed a complaint with Wells Fargo, number XXXX. I was told that I would not get money back from Wells Fargo. However, I believe that Wells Fargo is legally negligent and needs to reimburse me for the {$21000.00} for XXXX reasons. 

1. Wire Recall. I called immediately after the wire transfer and asked for a wire recall. The police XXXX handling my case told me that Wells Fargo should have been able to recall at a minimum some of the money. I was told today that recall requests were sent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wells Fargo should have made the recall request on XXXX XXXX  right after I called. In a denial letter, Wells Fargo told me that they will initiate a wire recall if someone tells them they were the victim of fraud, but then denied our claim because they said I had not asked for a wire recall when I called on XX/XX/XXXX. That is contradictory. Moreover, I called Wells Fargo on XXXX XXXX  with my daughter XXXX XXXX and we did ask for a wire recall at that time. However, the recall request was not made until nearly XXXX weeks after the wire transfer. This is negligence. At least some, if not all of the money, could have been recovered. Wells Fargo is not accepting responsibility for their negligence. 

2. Fraud Victim Notice/Awareness. I was previously a victim of a gift card scam involving my Wells Fargo account in XXXX. Thus, Wells Fargo had notice that I was a susceptible to fraud and should have had additional safeguards in place for my account. Yes, Wells Fargo called to verify the wire transfer with me but the fraud was still ongoing -- the fraudster told me what to say. Given the notice that Wells Fargo had about me being susceptible to fraud, additional safeguards should have been put in place. Simply putting the usual safeguards in place for mewas negligent given that you knew she was susceptible to fraud.

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a letter from Barclay 's Bank on XX/XX/2022 telling me that my Gap credit card ( Newly sponsored by Barclay 's Bank ) was reporting 90 days past due and that my account was now closed and a balance was still due. 

I called immediately and was told that the amount due was interest and late charges because of that interest that was not paid. 
I paid the amount that was requested of me promptly and inquired as to how there could be a balance given that I had paid my balance in full about 3-4 months ago and had not since used the card.

The person on the phone told me that although I had paid my balance in full, interest charges had posted at a later date because I had paid in full prior to the due date.

I told the agent that I was never informed of a new balance and was told that it may be due to Gap being newly sponsored by Barclay 's Bank and I may not have recognized a billing from them. 

I explained that this did not seem fair and that my credit profile and scores would now be unfairly affected. 
I was directed to speak to a supervisor. 

I called on two occasions to discuss this with two supervisors. 
Both said they could not do anything for me and both told me to contact the FCRA. 

I understand that the FCRA is the Fair Credit Reporting Act and is not an agency. 

I don't feel it is fair to affect a persons credibility ( credit profile ) when there is no intention of non-payment as well as poor communication from the creditor.

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 2023-01-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I hired a contractor to patch up my roof. Got the information from XXXX ( XXXX XXXX XXXX  ) I paid him in two transactions XX/XX/XXXX {$2700.00} and XX/XX/XXXX {$2700.00}. But this contractor has been using my CC information throughout XXXX. I discovered unauthorized charges on XX/XX/XXXX and reported to Citibank Branch manager. This is a Credit card that I only use for larger purchases. This contractor used most of my funds during XXXX and XXXX. He used it to accumulate a total of over {$43000.00} of charges. This contractor stole from me, and I have been trying to get the monies back from the back I have been denied twice on XXXX XXXX XXXX, they are not even trying to investigate this predictor contractor. On my last appeal which I sent them through the branch manager I they sent me individual request to submit proof that services were not rendered. 
I also requested a letter I need to take to the police precinct, and they have not provided this document. they have allowed this person too much time to use up the money he stole from my account. 
They want me to submit proof via a licensed contractor of confirmation that services were not completed on my house. The problem is that there are no services to confirm, because this XXXX stole from me. He never completed another work in my house. They can send their inspector to see for themselves. 
Citibank is not doing enough to return my money to my account. I feel violated and am desperately looking for assistance and a resolution. They did not do enough to protect my account. The two denials were done in a matter of days with no investigation and the paperwork they sent me can not be completed because THERE WERE NEVER ANY WORK COMPLETED. The only job he completed was the one roofing which he was paid for. How do I provide this proof when I don't even know what it is? 
My account was wiped out and I am being treated like I am the criminal. Please assist me in any way to get my money back and seek criminal actions against the company, Citibank has all documentation requested.

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 2023-01-17 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I have been going back and forth for over a year. This has been very stressful. I have not ever had Cellphones up until I signed up recently. They said I opened the account and closed it the same day. This is not true. I currently have service with XXXX XXXX XXXX, and on my credit it's reported that I owe {$310.00}. This is erroneous. 
The consumer doesn't have any outlet if the company makes a mistake or inside fraud. We're left with the head ache

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo took my home of years from me around 2017 and i was making my payments, they applied my money to another account number, please look into my problem because ii did everything i could to save my home and Wells Fargo gave me the run-a-round i ever have paperwork to prove it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ i XXXX in the same house but the address was changed and so was my account number, can you tell me what happened because as of today i am devastated they thru me out as well as my daughter, please help me make sense of this!! 

i can give accounts number when requested Thanks XXXX 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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
i am writing to request your assistance in obtaining why XXXX is refusing to return funds they ( XXXX ) have blocked from my Wells Fargo accounts. XXXX has unfairly deemed that I knowingly particapited in a XXXX person fraud. As stated in all my statements, i was a victim of a cloned phone showing the XXXX callback logo and account take over ( XXXX ) on XX/XX/2022. On XX/XX/2022, I moved funds from XXXX to Wells Fargo for safe keeping until XXXX could guarantee the account ( s ) was safe from fraudulent activity. 
I have attempted on multiple occasions to inform XXXX that Wells Fargo has locked funds that i transferred from XXXX. The XXXX XXXX have repeatedly told me that XXXX does not contact third party banks. I presented this information to Wells Fargo and Wells Fargo informed me that XXXX contacted them ( Wells Fargo ) on XX/XX/2022 via phone and via letter on XX/XX/2022 to lock my Wells Fargo accounts. As of today, Wells Fargo told me that a XXXX representative XXXX ( XXXX ) XXXX XXXX contacted them ( Wells Fargo ) informing them not to release the funds to me. NOTE : I was contacted via phone by a so called Wells Fargo Fraud Dept with an XXXX accent with a XXXX  number. 
XXXX is no longer suffering a financial lose after the movement of the {$5000.00} USD to Wells Fargo. As noted on the XXXX attachment, my bi monthly salary deposit covered the lose caused my the returned {$5000.00} USD draft that I had no knowledge of until after the draft was completed. 
I am begging that Wells Fargo and XXXX can come to realization that the money that is being held by Wells Fargo by request of XXXX is in fact my money not money manufactured by the fraud. Additionally, I have requested multiple times that XXXX fraud contact me thus far XXXX fraud has not contacted me now provided a number to contact them.

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 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted by complaint and it was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
To whom it my concern, on XX/XX/XXXX. 2022 I never received {$1000.00} to my XXXX account from my cousin, who wire money via Zelle XXXX XXXX XXXX ). We have exchange money back and forth frequently around same time frame ( XXXX Zelle ). approximately on XX/XX/XXXX. 2022 I noticed someone tried to wire {$5000.00} from my account without my knowledge, I immediately called chase and we started investigation. I have learned that my account at chase was hacked and all my personal information was changed and rearranged with in the account like primary phone number and E-mail address and very suspicious activities were happening. Shortly after, with extreme difficulty and many investigations from XXXX XXXX and XXXX we got to learned that my money end up at XXXX  XXXX XXXX at unknown account to us. My problem is that no-one taking responsibility and my XXXX dollars are gone without further logical and fair explanation. Zelle, XXXX, and XXXX  XXXX XXXX keep pointing fingers at each other. not sure if you'll help either, but I'm exercising all my options at this point. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: PA

Complaint narrative:
I am attaching personal information, two account and inquiries that are fraudulently reported on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief