vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I signed up for a new home insurance policy for the internal structure of my town home. XXXX XXXX  stated the payments could come out of my monthly mortgage payments. I increased my monthly mortgage rate and XXXX XXXX sent the statements to Wells Fargo. Wells Fargo didn't make any of the payments resulting in the cancellation of policy # XXXX. Since the policy cancelled and it wasn't my fault I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX responded to the complaint XXXX XXXX. He stated the issue was caused by Wells Fargo and they should pay the outstanding {$290.00} to XXXX XXXX due to their failure to pay the request that were sent. The record shows the mortgage payments were increased during the time of the intended insurance dates and wasn't reduced until the policy was cancelled due to failed payment.

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 2022-11-02 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: CL Holdings LLC
State: WA

Complaint narrative:
I noticed that Jefferson systems reported on my credit report that I opened a XXXX account in XXXX. No such action was taken on my part Had XXXX XXXX  as my only XXXX since XXXX. I did the ftc fraud report and disputed it through XXXX. I sent over my report and all the necessary info. XXXX said they found it to be factual. But I havent even step foot into a XXXX store in over XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: MO

Complaint narrative:
Gentlemen, I would like to file a formal complaint against Discover XXXX. Upon my wifes passing on XX/XX/XXXX, I began the lengthy process of identifying her outstanding liabilities. Upon reviewing her statement from Discover, I noted the excessively high interest rate Discover was charging my wife on her card XXXX. The rate was 28.99 % which I believe is excessive, boarding on what I consider to be usurious. My wife XXXX was XXXX XXXX XXXX. XXXX as she had been a customer since XXXX, had a XXXX score of XXXX per their XX/XX/XXXX statement, had stable employment ( XXXX ) years and stable residence ( XXXX ) years I fail to see what characteristics placed her in such a high risk high rate population pool. 
My daughter, age XXXX also has a Discover card, her rate is XXXX  %. This speaks to the possibility of age discrimination in the determination of pricing. I understand the concept of varying rates based upon perceived risk, but in 38 years of commercial banking I have never seen a rate of XXXX %. I understand the concept of discretionary pricing having worked in banking for 38 years, but have never seen such disparity. 
I request you investigate this matter and specifically look at the following issues : XXXX ) Age discrimination in pricing that XXXX be overt or covert XXXX XXXX XXXX pricing strategies for both existing and new customers and whether said strategies are well supported by statistical data which clearly identifies credible risk factors XXXX ) Whether pricing strategies are applied universally and fairly to all clients rather than cherry picked I have reached out to the company on XX/XX/XXXX to request answers to these questions and was told I my concerns would be passed on to a higher authority. The name and title of said authority was not given. To date I have not received a return call although contact information was exchanged. 
General information you may need : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  last for digets of her social security number My name is XXXX XXXX. I can be reached at ( XXXX ) XXXX if further information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
In XXXX  I took out a loan for a used vehicle with a shady dealership no longer in business that had me sign multiple blank documents stating that they needed to submit multiple offers to multiple banks. The price was changed from XXXX to XXXX without my knowledge. 
I was young, XXXX, XXXX and single mother living in public housing. 
I was a victim of predatory subprime lending. I do not believe Santander gave my information to include me in settlement. In addition to this I recently asked for a copy of my payment history and noticed every month I was charged late payment fees even though I paid full amount on auto payments monthly and biweekly through my bank. These late payment charges were also compounded by interest they were charging. Lastly when the car was totaled my insurance paid full market value of the vehicle and I was told it was settled and paid off. Santander continued to add charges and fees and are reporting balance of over XXXX despite 3yrs of payments and a lump sum insurance payment. They have also altered the first late payment by several months to keep on my report additional time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$10000.00} from XXXX XXXX XXXX which it says charged off but is reporting on my credit file and is inaccurate.

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 2022-11-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$10000.00} from XXXX XXXX XXXX which it says charged off but is reporting on my credit file and is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$10000.00} from XXXX XXXX XXXX which it says charged off but is reporting on my credit file and is inaccurate.

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 2022-11-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent over copies of my FTC report for fraudulent inquires on my credit file. Some of them were removed. On XX/XX/XXXX, I send certified mail my 4th request to have these inquires removed along with the FTC report. I called on XX/XX/22 the first representative I talked to informed me that they were not all removed because I put a date beside the Company 's name. I then asked to speak to a supervisor and was left on hold for XXXX XXXX XXXX XXXX XXXX before the call was disconnected. I then placed another call to Equifax and spoke to a supervisor. He then told me I need to file several more FTC reports because Equifax only remove 3 from the FTC report. At no time was I ever informed of this. I submitted the same information to XXXX XXXX XXXX  with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: NC

Complaint narrative:
Experian is violating multiple consumer rights, FCRA laws, and XXXXetro 2 reporting compliance guidelines. 
Experian is reporting incomplete, inconsistent, and inaccurate information on my credit report. I have called multiple times and Experian reps say they can see the FCRA Compliance Date/Date of First Delinquency on the XXXX XXXX XXXX  account. I told them that I can not see that date and I have a right to see all info and requested my consumer file disclosure. They told me the report they mailed will show the XXXX. I got my report # XXXX on XX/XX/XXXX from Experian and it does not have that DOFD date!! I called again today on XX/XX/XXXX to attempt to get that date and 3 reps hang up on me. 
Experian reps give me multiple dates for my DOFD via phone : XX/XX/XXXX and XXXX. This leads me to believe Experian is reporting an incorrect DOFD. The calls are recorded and this fact is easily verifiable. 
I have filed multiple disputes via mail to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as disputes via phone for this particular XXXX XXXX XXXX account ( XXXX ) and Experian updates it saying they have investigated it. Experian has not done the due investigations for this account. I requested the Method of Verification ( MOV ) via mail and I have never received anything back from Experian regarding the MOV. 
The XXXX XXXX XXXX account is closed yet 2 Experian reps told me that they can see the account open.

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 2022-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Starting XX/XX/2022, I attempted to move money from my online savings account at Ally.com to another place. Message appeared that funds were " restricted '' so I couldn't withdraw any money. Literally, spent hours on the phone with various reps, none of whom was able to tell me why there were restrictions. Eventually, I was promised funds would be released in 48 hours. 50 hours later, funds still restricted. Eventually, restrictions were lifted and I was able to withdraw my money, but meanwhile I had spent hours on the phone and lost income due to not being able to withdraw my money when I wanted to. Despite my repeated requests by phone and by messaging as to why there were restrictions, I've never received an answer. 
In addition, I had added XXXX to my list of external accounts, had gone through the account verification process ( temporary money transfers from Ally to XXXX ) and the account had been verified. On XX/XX/2022, that account was active ( I have a screen shot showing this, as well as an e/m from Ally ). When I tried to transfer Ally money to that account on XX/XX/2022, the XXXX account was suspended! I still have no logical or reasonable answer, again despite repeated requests, as to why that account was and remains suspended. Ally has told me that the XXXX account number was wrong and told me that i needed to get a letter from " the XXXX '' verifying certain information in order to get the suspension lifted. This, despite the fact that the temporary transfers were verified and the account was active. 
Again, I have lost money due to not being able to transfer money to my XXXX account. 
Unfortunately, I can not attach most documents b/c they contain account numbers.

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 2022-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
The Money Source shows my account is past due after loan modification was completed. I have been trying to work with company since XXXX of this year to get things straight. 

Here is some background In XXXX of this year I started the loan modification process on my mortgage due to a significant increase in monthly amount which caused me to get behind in payments. During the loan modification process I made two payments to help with my balances Here are the amounts and dates of payments made during the modification process XXXX - {$1800.00} XX/XX/XXXX - {$1800.00} - This payment was returned due to using the incorrect bank account XX/XX/XXXX - {$1800.00} - This payment was made to replace the XX/XX/XXXX payment using the correct bank account I spoke with an agent on XX/XX/XXXX and she advised I did not have to make any additional payments until my modification was completed. I then received my modification paperwork signed it and returned. Modification completed first payment due XX/XX/XXXX. Here are my payments made since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I begin receiving letters that my mortgage was past due. This was not true as I have been making my payment monthly since the modification. I contacted The Money Source and was advised the following reasons by agents as to why my account was past due 1. My first payment after the loan modification went to my past due payment from XXXX. 
2. The payment went toward the payment returned in XX/XX/XXXX After lengthy discussions with several agents internal cases were opened to have the issue corrected only for the special loans department to deny the request. Here are the cases that have been submitted since I begin having these conversions in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested to speak with supervisor numerous times and have been denied each time. The latest to decline to speak with me is XXXX. Here are my questions and issues 1. If my loan was modified and all balance prior to XXXX included in that modification Why do I still carry a balance from XX/XX/XXXX 2. If I replaced the returned payment on XX/XX/XXXX why is that balance still showing owed. An why would that balance be owed if it was an additional payment made while payments were suspended on account? 

This has been a major headache and XXXX is reporting my mortgage as late in my credit report. This company has been a headache to deal with during and after the modification process. My experience during the modification process is a complaint in itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: LEXISNEXIS
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of 2022 I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXXXXXX Reference # - XXXX. XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable and that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX, claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the US Bankruptcy XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the US XXXX XXXX of New Jersey before a competent court of law! XXXX can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX, my Fifth Third Essential Checking, without my authorization, initiated a transfer of {$1500.00} from my XXXX personal checking account -- I do not have enough money to cover bills coming on that were to be paid with the money Fifth Third is taking from me. 
XXXX XXXX has warned me overdraft fees and unpaid fees will be assessed for every bill that comes looking for money and doesn't get it. 
-- Right now there are dozen different companies I owe money to who, through electronic transfer from the XXXX account, is trying to collect their due. This means the fees will rack up into several XXXX XXXX that I can not afford to pay. 
-- I did not authorize this. I can prove I did not authorize it. Search my history on all my devices- my desktop, my smartphone, my laptop. I didn't do this. Someone is essentially stealing my money. 
-- Fifth Third and XXXX tell me there is nothing they can do to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: SC

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-02 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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