vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email notification through XXXX that XXXX reported a debt collection from Helvey & Associates XXXX XXXX in the amount of {$820.00}. I contacted Helvey & Associates XXXX to find out that my name, social security and date of birth were used to open two gas and electric accounts from XXXX XXXX ( XXXX ) XXXX using the addresses as follows : XXXX XXXX XXXX, XXXX, North Carolina and XXXX XXXX XXXX, XXXX, North Carolina. I live in California and never lived in XXXX, North Carolina. I am a victim of identity theft with previous incidents that have occurred last year. I relayed this information to the representative and the representative gave me the phone number to contact XXXX XXXX. 
I spoke to the representative at XXXX XXXX in order to start the investigation and remove the accounts as fraud and to advise Helvey & Associates XXXX to remove the debt collection my credit report. Representative informed me about the accounts : ( XXXX ) Amount : {$22.00}- Account XXXX. XXXX - Address : XXXX XXXX XXXX, XXXX, North Carolina ( 2 ) Amount : {$820.00} - Account No. XXXX - Address : XXXX XXXX XXXX, XXXX, North Carolina. 
Representative from XXXX XXXX advised me to go to ftc.gov to complete a fraud report and mail back along with my police report in XX/XX/XXXX to begin the investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
They charged me a high interest rate when my credit was good an made me put down a high deposit

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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX  : # XXXX, has violated my rights. 

XXXX XXXX  : # XXXX, has violated my rights. 

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

15 USC 1681 exclusions Number 2 ( a ) ( 1 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 USC 1692 1692k civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

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 2023-01-19 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo foreclosed on our home XX/XX/2016 after 3 years back and forth with our attorney and we were in a loan modification at the time, that they told us had to be redone. They suddenly foreclosed, no notification to us. I was advised XXXX day when I called for a weekly follow up

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 2023-01-19 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 am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX ( results enclosed ). 
Re : disputed items 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 Please send the following information used to verify the validity of the above mentioned items in dispute here 1.The name of the original creditor 2.The creditors address and telephone number 3.The person 's name they verified the dispute with 4.The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completene and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX an unauthorized person, wire transferred XXXX XXXX dollars out of my checking account. I was the sole person to have authorization on the account. The person is male and their name is on the wire transfer. I am a female and I have no idea how this person is allowed to do this and the bank is not taking any action as they were wrong in addition to the person committing the crime. Wells Fargo initiated an investigation and assigned an XXXX. The XXXX stopped all communication with me and refuses to answer my emails regarding what is happening and what the resolution will be. I have filed XXXX police reports. I am getting no assistance from the bank. Hence, I went and took out the majority of my money from the bank because the bank does not want to compliy with Federal rules.The bank was at fault and is insured and they are doing nothing to resolve 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 explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
We purchased an XXXX  treadmill over a year ago. The product came with a subscription program to watch video with trainers while running. The product came with a year free of the subscription. At the end of the year, we requested that the subscription NOT be renewed as we did not use it and have NOT used it in almost a year. The company XXXX ( which, according to my research, are actually one corporate entity ) decided to charge us {$420.00} on XX/XX/2022 for another annual subscription and charged it automatically to our store charge account we have with them. We requested on numerous occasions over the past few months in email and over the phone that the service be cancelled and refunded. They have flat out refused to do so saying that it is another division of their company that handles that issue and when they transfer us to the other division, they then state that they aren't the ones that handle that issue, either. It is a looping circular system with no division taking responsibility, nor do they attempt to solve the problem, cancel the subscription and certainly not remove the charge from our account. It needs to be removed and refunded. It is fraud to charge someone for a product they have flat out refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I received my reinvestigation back from XXXX. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 

Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ). 

I attached my consumer report as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I received my reinvestigation back from XXXX. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 

Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ).

I attached my consumer report as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I emailed Professional Finance Company a receipt from the provider Preferred Imaging showing I have a XXXX balance. Then I called Professional Finance Company to verify the email was received, which they confirmed. I disputed the account with all three credit reporting agencys, and Professional Finance is still reporting that I have a balance. I called today and was told the date of service doesnt match the date XXXX XXXX is reporting to them. I only visit XXXX XXXX once on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have been receiving fees on my checking account when Ive been having money deposited for payroll. I dont understand why they keep doing that.

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 2023-01-19 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: FL

Complaint narrative:
I had names that were not mine, addresses that are not deliverable to me by XXXX Mail and phone numbers listed on my credit report that I previously disputed. XX/XX/2022 I also noticed a new inquiry on my XXXX, Transunion, XXXX credit report for a RV company XXXX XXXX. I have no place, no need or room for a RV!!!! I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased XXXX lock feature to ensure this stops. I have fraud alerts and locked all my credit reports to prevent whomever from doing this again.

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 2023-01-19 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: FL

Complaint narrative:
I had names that were not mine, addresses that are not deliverable to me by XXXX Mail and phone numbers listed on my credit report that I previously disputed. XX/XX/2022 I also noticed a new inquiry on my XXXX, XXXX, Experian credit report for a RV company XXXX XXXX. I have no place, no need or room for a RV!!!! I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased XXXX lock feature to ensure this stops. I have fraud alerts and locked all my credit reports to prevent whomever from doing this again.

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 2023-01-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contacted Wellsfargo when I started struggling to pay my mortgage. I asked for help with the {$1100.00} plus a month in a neighborhood, where houses where not worth half of that. ( truth ) They suggested that I modify or at least try. They denied modification after all that and I continued to struggle to pay payments until I could no longer afford to keep the house after 30 years when it should have been paid for. So I had to pack up my stuff and move from my home of thirty years. The sheriff was notified that I had to be off the property. Wellsfargo took thousands of dollars from me because I didn't know any better. All of this took place from XX/XX/XXXX to XX/XX/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 2023-01-19 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint without any influence and without any third party. On XX/XX/2023 at XXXX I faxed my letter ( see attached document labeled AVANT LETTER OPT OUT ) to Avant requesting proof that Avant followed the conditions required by the Gramm-Leach-Bliley Act to respect my privacy and protect my nonpublic personal information and notifying that I am exercising my right to opt out of credit reporting since they failed to do so. Avant responded by email ( see attached document labeled AVANT XXXX ) and did not address my concerns nor did AvanXXXX provide any proof of following the conditions required by the Gramm-Leach-Bliley Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: GOLDMAN SACHS BANK USA
State: NH

Complaint narrative:
A payment to my account sent by XXXXXXXX XXXX  on XX/XX/22 was sent in error to Goldman Sachs Apple Card to the wrong account number ending in XXXX. 

Since XX/XX/22 I have made multiple attempt to Apple to resolve this issue. As the money was deposited to Goldman Sachs and never credited to my account. Goldman sachs has claimed they can not find it. I have given them proof of deposit, from XXXX. The money is in my name and Apple was informed since XXXX of the error and no reasonable response has been provided. I have called Apple on multiple occasions and they refuse to transfer me to the dept that is searching for the money. I have asked for a direct call back, when attempts are made there is no ability to provide clear information about the status of this payment. I have asked for the money to either be returned to XXXX or credited to my Apple Card correctly, this has not been done it has been almost 3 months. 

I have attached proof of deposit with bank tracing number give to Goldman Sachs Apple already. Showing the account number associated with this deposit is incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
NO/LATE Response to Dispute (Experian)
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have submitted a dispute through Experian through USPS Certified Mail on XXXX XXXX XXXX, the document was verified and received on XXXX XXXX XXXX, the estimated completion
date was XXXX XXXX XXXX The estimated mailing received date was XXXX XXXX XXXX The
credit bureau used more than the allotted amount of time given to respond. I have also attached
photos of the receipts for the certified mail, as well as a copy of the dispute letter sent to the
bureau. Attached you will also find a photo of my XXXX Identification card.
Under the "Fair Debt Collection Practices Act",
 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in
connection with the collection of any debt. Without limiting the general application of the
foregoing, the following conduct is a violation of this section:
(2) The false representation of --
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector
for the collection of a debt.
(11) The failure to disclose in the initial written communication with the consumer and, in
addition, if the initial communication with the consumer is oral, in that initial oral communication,
that the debt collector is attempting to collect a debt and that any information obtained will be
used for that purpose, and the failure to disclose in subsequent communications that the
communication is from a debt collector, except that this paragraph shall not apply to a formal
pleading made in connection with a legal action.
 809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection
of any debt, a debt collector shall, unless the following information is contained in the initial
communication or the consumer has paid the debt, send the consumer a written notice
containing --
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am helping a family with a home loan and the lender that we are working with ran my credit report. The next day ( This morning ) i have received over 30 unsolicited calls from various lenders. One of them told me that equifax shared this info as I ran my credit yesterday. I did not authorize anyone to contact me and this harassment continues as I am getting non-stop calls. This needs to stop immediately. These credit reporting agencies have no business sharing my cell phone and contact info with lenders without my explicit permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TX

Complaint narrative:
I disputed XXXX XXXX XXXX collection account with XXXX XXXX, Equifax, and XXXX. All three reporting agencys are still reporting the account accurate. I send all three agencys the receipt from the medical provider Preferred Imaging showing a zero balance and the state from my insurance provide XXXX XXXX XXXX XXXX XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TX

Complaint narrative:
I disputed XXXX XXXX XXXX collection account with XXXX XXXX, XXXX, and Experain. All three reporting agencys are still reporting the account accurate. I send all three agencys the receipt from the medical provider Preferred Imaging showing a zero balance and the state from my insurance provide XXXX XXXX XXXX XXXX XXXX Texas.

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