vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
To follow up with further documentation, as I relayed I put my home up for sale, I was not at that time behind on a payment! I right away had a cash buyer, Wells Fargo drug their feet on this sale, said that HUD wouldnt let me sell. This was not true. I even spoke with HUD they said I should be fine to sell.I again spoke with Wells Fargo & the lady said I should be fine. So when my realtor put through the work they said I had a problem with my loan. They fabricated this problem. All this took weeks & I thought I was just waiting to close, then because of their dragging their feet Im now 1 payment behind they new I had a cash buyer so they caused my home not to sell so they could sell to my cash buyer & they made the profit. 
Im am sick from being treated like I didnt speak to both parties say I should be able to sell. They fabricated an inner issue to cause be to have to Short Sale. I was absolutely a victim in their illogical activity. Im discussing this with a layer this time. I suggest this be looked into further. There should even be recorded messages with my being told I could sale as well as documentation with HUD that if I had a cash buyer I could sell. 
Wells Fargo needs to finally be stopped with these illegal actions against innocent people, in my case I was targeted as a single women & easy to bury illegal practices. I know what I was told. When I talked to these people it always said our conversation s were being recorded, so why arent those checked. I was forced into signing paperwork acting as though they were reconstructing my loan not stealing my escrow, my cash buyer waited patiently through this entire process & Wells Fargo saw this & took advantage of this with illegal Short Sell transactions.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. 

XXXX ) XXXXXXXX XXXX XXXX  - {$300.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  {$690.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} 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 2023-03-08 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: NC

Complaint narrative:
This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  ( Original Creditor : XXXX NC ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/2022

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 2023-03-08 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: IN

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : 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 non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Self Financial Inc.
State: PA

Complaint narrative:
Complain against XXXX XXXX XXXX XXXX, at ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ) or at ( XXXX XXXX XXXX Suite XXXX XXXX, TX XXXX XXXX ). 
Phone number : XXXX I opened My Credit Builder Account on XX/XX/XXXX, a few months later they told me that I was qualify to open XXXX XXXX XXXX XXXX XXXX Account then I opened XXXX XXXX XXXX XXXX XXXX  Account on XX/XX/XXXX since then they never ask me for any bank statement until after I decided to close XXXX XXXX XXXX XXXX XXXX Account on Tue, XX/XX/XXXX at XXXX PM in order to receive my fund in my personal bank account linked to XXXX XXXX XXXX XXXX XXXX  Account. I did send my bank statement multiple time and they still holding my fund since today XX/XX/XXXX, I have no idea for how long they want to play me, I have proof that I sent them the bank statement. 

I am complaining because I been sending my bank statement over and over to them and they acting like they never received it.

1 ) No First Call Resolution, 2 ) Lack of Follow Up, 3 ) Ignoring or dismissing the complaint, 4 ) Acting as if it isn't worthy of addressing. 

Also I been calling every other day since XX/XX/XXXX, - Their customer service representatives are always Uninterested to resolve the issue. 

- When I ask to talk to the customer service representative supervisor they let me on Long Wait on Hold .... and never get back to me until the phone call stop by itself. 

- Their customer service representatives Making me repeat the problem over and over, I explain them the same thing over and over. 

I am dissatisfied To resolve this problem I would like XXXX XXXX XXXX XXXX, to release my Pay Out in my personal bank linked to XXXX XXXX XXXX XXXX XXXX  Account. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney XXXX office. 

P.S. Be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of my communications with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: MI

Complaint narrative:
On XX/XX/XXXX I pulled all three of my consumer report ( XXXX, TransUnion and XXXX ). I noticed that an unauthorized alleged debt for an unsecured loan with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XX/XX/XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. I do not know how this company has had access to my social security number.as I never given it to them. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX, TransUnion, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C. 1692a, revoking my rights as a consumer, a natural person who is obligated on or allegedly obligated on a debt, 15 U.S.C. 1692f, 12 CFR 1006.34, notice for validation of debts, 15 U.S.C 1692g, Validation of debt, as I have sent a debt validation letter to this company on XX/XX/XXXX and they have not responded. Exhibit A is presented within the portal of a certified letter with return signature has been sent to the address listed upon my consumer report of this company. This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me. I will conclude that XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.

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 2023-03-08 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: MI

Complaint narrative:
On XX/XX/XXXX I pulled all three of my consumer report ( Experian, XXXX and XXXX ). I noticed that an unauthorized alleged debt for an unsecured loan with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XX/XX/XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. I do not know how this company has had access to my social security number.as I never given it to them. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from Experian, XXXX, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C. 1692a, revoking my rights as a consumer, a natural person who is obligated on or allegedly obligated on a debt, 15 U.S.C. 1692f, 12 CFR 1006.34, notice for validation of debts, 15 U.S.C 1692g, Validation of debt, as I have sent a debt validation letter to this company on XX/XX/XXXX and they have not responded. Exhibit A is presented within the portal of a certified letter with return signature has been sent to the address listed upon my consumer report of this company. This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me. I will conclude that XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.

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 2023-03-08 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
After receiving an eligibility acceptance letter from the DOE, I stopped struggling to make the student loan payments I had been making throughout the pandemic. On XX/XX/2023, a male Navient representative called to discuss starting repayments. I stated that I was not required to restart payments until the Supreme Court made its final decision, or POTUS determined to abandon this initiative. After some debating about when I needed to restart payments, I told him to place my account on the " Do Not Call '' list and he hung up mid sentence. I immediately called back, spoke with a female representative, and asked to speak with a supervisor. My call still wasn't directed to a supervisor, even though I told her that I wanted all phone calls to cease and desist. I told her I only wanted to communicate with Navient via snail mail/hard copy print. That should have been the end of any verbal communication, but I currently have a call log from Navient 13x 's since the stated above date. This company has also logged as many as 11 calls in one week, most during my working hours. Then on XX/XX/2023 & XX/XX/2023, I accepted Navient 's calls to ONLY state my previous statement to place me on their Do NOT Call list and to cease and desist contacting me via phone calls. Since XX/XX/2023, I have received 9 more calls, and I'm now reaching out to this agency to find relief from these harassing calls that are unnecessary until POTUS or USSC determines repayments must legally restart.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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:
XXXX XXXX To Whom It May Concern : I wish to dispute the late payment status on my XXXX  Accounts. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 section 604A section 2 states consumer reporting agency cant furnish an account without my written instructions.

The United States Code Law 15 U.S. Code 1666b. Timing of Payments- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Delete late payment status immediately or Please validate all late payment status within 30 days.

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 2023-03-08 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: FL

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
I cancelled a home improvement contract with XXXX XXXX in writing before they began work on my property. The contract was signed on XX/XX/XXXX. I wrote to cancel on XX/XX/XXXX and after receiving no response, again on XX/XX/XXXX. I stated in the terms of cancellation notice that they could keep the {$1000.00} deposit I paid, but that I no longer wanted to proceed with the project. They called me over the phone and said that I owed them more than {$10000.00} for cancelling the contract. Later, on XX/XX/XXXX, I was contacted by mail by FCR Services requesting {$10000.00} on behalf of XXXX XXXX. I responded to FCR services by mail on XX/XX/XXXX to dispute the debt. I told them that because XXXX XXXX never attempted to collect this debt via mail and never sent me an invoice that this debt was not valid. They never responded to my letter, but now, on XX/XX/XXXX, I received multiple voice mails from different people at FCR services attempting once again to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2023 and XX/XX/2023 : When the balance in my checking account indicated that it was available, I transferred {$750.00} and {$250.00} from the checking to the Capital One credit card to pay off the balance. Instead, Capital One reversed and rejected the payments on XX/XX/2023 even though the Capital One representative confirmed that the funds would be available by the 3rd business day. 

XX/XX/2023 : I attempted to make another payment for {$1000.00} from my personal checking to the credit card because Capital One informed me that funds would be available but on XX/XX/2023, the transaction was reversed and rejected again. 

XX/XX/2023 : I received a letter in the mail from Capital One credit card department who informed me that they are force closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This account does not belong to me. It needs to be removed from my credit immediately. The company is refusing to delete items from my credit report after I contacted them 40+ times with no response! Please have them removed this false account from my XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation