vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My discovery date was not until XX/XX/XXXX although the wrongdoing started to occur beginning in XX/XX/XXXX but then most significantly between XX/XX/XXXX through XX/XX/XXXX. 

Original complaint filed XXXX with CFPB. Second complaint filed with CFPB XXXX. Civil Complaint filed with XXXX XXXX XXXX ( XXXX # XXXX ) on XXXX by counsel. XXXX filed by counsel XXXX and then the XXXX  was filed by me in pro per on XXXX. Wells Fargo filed second demurrer XXXX. I will be filing my response to their second demurrer and request for judicial notice this coming week. 

Instead of Wells trying to work with me to make it right as former XXXX XXXX XXXX XXXX XXXX promised he would, WF keep fighting me every step of the way. WF fraudulently issued 5 ATM/debit cards in my name with fictitious/already assigned PIN # 's or allowed a third party to obtain these ATM/debit cards with PIN # 's without my consent between XX/XX/XXXX and XX/XX/XXXX ; XXXX allowed a third party to pre-apply for a new regular checking acct in XX/XX/XXXX in my name having me believe it was a joint acct and misrepresented the character of that acct when I came into the bank 3 days later ; WF opened XXXX teen checking accts XXXX meant for kids aged XXXX ) for my children who were ages XXXX and XXXX in XX/XX/XXXX and WF misrepresented the character of those accts as well as I understood them to be strictly savings accts. WF did not submit any Form 8300 's to XXXX or the IRS and I have discovered XXXX transactions of over {$10000.00} ( single or cumulative deposits/withdraws ( cash also ) committed by my spouse ( actually I recently found out on XX/XX/XXXX that he was married to another woman at the same time he married me on XX/XX/XXXX so our marriage was not valid ( that XXXX XXXX  with intent to defraud me is a separate matter ) ; WF also allowed 66 paychecks to be fraudulently endorsed over a 9 year period and there are 47 unaccounted for negotiated paychecks of mine that were unknown to me and WF has not sent to me including one the was for {$150000.00}. WF also allowed some of my live payroll checks ( most of them large amounts ) to be not only fraudulently endorsed by a third party but WF also allowed some of them to be deposited into other accounts that did not even have my name on them!

The list goes on but WF failed in their standard duty of care and committed fraud and gross negligence. WF sent me some of what I asked for in terms of documentation between XXXX and XXXX of XXXX. Then they stopped cooperating so I hired a lawyer in XX/XX/XXXX. That lawyer did not file the lawsuit until XX/XX/XXXX and then got out of the case in XX/XX/XXXX as it was too complicated for his firm to handle and he had XXXX  issues as well so I have been handling the matter on my own since.

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 2023-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
A debt collector posted a debt on my credit reports abruptly this year and has changed the year a few times after I disputed it. One of the bureaus has since deleted after finding the information was changed. However, XXXX and XXXX has not removed this debt. I have not received any requested information from this company and have told them the original creditor had no information in their system. I've requested documents showing debt and/or XXXX XXXX XXXX of the amount they paid for it. I know sometimes the bureaus are paid but my consumer rights have been violated and unfair. The most recent the bureaus have done instead of deleting is adding remarks stating the consumer disputes this information. It doesn't show the account type, says account open which is against the law as this affects my credit. Now on one of them it shows account opened XX/XX/2021. I've requested the date and it is now changed. Both credit bureaus previously had different information. I want this account deleted immediately. The bureaus have my previous reports and can clearly see this account was not there two years ago including the original creditor 's information. Nothing from original creditor on my reports. Please request information from debt collector also showing this was reported in 2021. The debt collector is CCS Collections in the amount {$620.00}. Original creditor XXXX. This was added after first dispute. 

Creditor Information CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for following dates to current XX/XX/XXXX or delete account from credit report.

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 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Wont stop calling about a debt that was in 2017 should be off credit report. They keep XXXX me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In Accordance with the fair credit reporting act XXXX Account number XXXX has violated my rights. 

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 consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
In Accordance with the fair credit reporting act XXXX Account number XXXX has violated my rights. 

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 consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
I have contacted XXXXXXXX XXXX XXXXXXXX every month since the new servicer took over my account XXXX -- XXXX. The previous servicer Planet mortgage returned the payments for XXXX and XXXX ( each {$1500.00} ) via wire on XXXX in the amount of {$3100.00}. My payments were to be made for XXXX through XXXXXXXX XXXX XXXX My new servicer XXXX XXXX  has not received a single payment from XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX  claims that they need a XXXX record from the XXXX (? ) department from Planet Home Lending in order to send the payments. They claim they have requested this from them 4 times since XXXXXXXX XXXX  and Planet Home Lending has not replied. I have also called Planet Home Lending every month to try to have them send this information so that my payments can be made to my current mortgage servicer with no response. XXXX XXXX XXXXXXXX confirms that they have received the payments returned but will not pay my mortgage ( after a lien has been filed for the amount to bring current plus the payments that were to be made against my home ). As a result it appears that I have no payments being made since XX/XX/2023. XXXX placed me on a forbearance to allow time to get this resolved, and that is now at an end but no resolution is in sight and I shouldn't have had to use this option if they would have did what was supposed to be done. Now XXXX is asking that I agree to a deferral within the next week and a half which will add the past due amount onto the end of my loan but I have already signed for a lien for this amount with Save the dream so I will end up paying this amount 2x!!! Everyone is passing the buck and I am the one paying for their negligence and stuck in the middle. In addition I was laid off again and now because they used a forbearance to allow time for XXXX XXXX XXXX  and Planet Home Lending to get their stuff in order I no longer have that option since it has been used up for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. 
. Has violated my rights. 

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 consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Despite several Attempts, Credit Reporting Agency Failed To Show Validation of debt And Failed To Send Dispute result Via USPS MAIL HAS REQUESTED, and keeps saying the account is verified with no documentation to back that claim up I demand this inaccurate account be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Dealer manipulated the price of the vehicle, i asked for pay off was given a total and i have passed that total by XXXX and they are saying it's interest, but none of this information was given at the time of purchasing the car. They increased the principal balance of the loan. I'm defaulting on a loan that i have been paid for. My contract date started XX/XX/XXXX with the account balance at XXXX so from XX/XX/XXXX at {$480.00} a month until XX/XX/XXXX at XXXX with a APR 21 %. Never was provided with Disclosure statement or break down of interest rates being so high other than a final payout and i've been payed over what i signed for!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased a {$75.00} American Express Gift Card from XXXX yesterday for myself since I dont yet own a Debit card. So that means I spent {$80.00} on a pre-paid gift including the Activation fee. I went home and tried to spend my money at XXXX, XXXX, XXXX XXXX, XXXX. But nothing would work. Its really frustrating because I exclusively bought the gift card to use it on online purchases, but now XXXX cant even spend the money. I attempted to call the customer support number 3 times, they all told me that I couldnt spend it on specific stores since something about their policy. I asked if they knew a list or anything on where I could spend it and they told me that select online stores and some in person shops. Ive tried over and over to purchase something, but nothing would work. Also, nearly every time I tried to spend my money, it took away {$0.00} dollars from my total balance. Ive looked everywhere online and even tried to look for stores I could purchase stuff in, I really dont want to waste there {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet 
Securities Fraud 
Stolen promissary note 

XXXX  reported new open account without written consent, 

Federal Law Violations : TILA , FEDERAL RESERVE ACT, BILLS OF EXCHANGE ACT, 15 USC , 31 U.S. Code  3123, Title 18 241/242 , Fair Credit Billing Act , , HJR-192, EQual Credit Opportunity Act ,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.
State: LA

Complaint narrative:
While I was XXXX from XXXX XXXX XXXX, someone utilized a fake Identity, to open a fraudulent auto loan account with Carmax Auto Finance XXXX When I spoke with the Carmax representative, they informed me the name that was used was a transposed verison of my last name, meaning the individual that opened the account used an ID that displayed a transposed version of my last name. My birth certificate and drivers license has only ever displayed my last name as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
COMPANY TRANS UNION AND XXXX, THAT WAS BUILT OFF OF SLAVERY, CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. TRANSUNION IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. TRANSUNION AND XXXX HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS TRANS UNION IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( SINCE XXXX  ) SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY TRANSUNION AND XXXX AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ACCOUNTS ), XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT REPORT.

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