vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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
Consumer complaint received 2023-01-20 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: WV

Complaint narrative:
Experian Only contacted the collection agency and NOT me for my side of what I claim was a fraudulent sales technic. 

They accepted the groups response as Fact. However That's how the agency makes Their money! 
( by extorting my credit! ) The group is XXXX XXXX? 

I had previously spent hours trying to convince " XXXX '' their salesman was a fraud, but they couldn't find the recorded calls I had made. How convienant?

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 2023-01-20 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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I have finally been able to pay off my debt this XXXX in XXXX due to a new job but on XX/XX/XXXX of XXXX I received an aggressive and threatening response from XXXX with XXXX XXXX XXXX when I contacted the company about the debt they stated I owed. I was previously being able to consistently pay the company but I no longer had the funds to do so. I stated to XXXX that I will be unable to pay my debt due to having no income ( as I was job searching ) and not enough saved money to pay towards the bill. In response XXXX yelled, screamed at me that " THIS IS STUPID, YOU'RE STUPID FOR NOT PAYING ON THIS BILL. ITS ALMOST PAID JUST PAY IT '' To which I responded that I understood that the bill is almost paid, however, I can not because I literally do not have the funds to do so. She did not like this answer and repeated decided to be derogatory with me then threatened that they will report this to my credit report if I don't pay them! I explained again that if I had the funds I could pay, but I infact did not have enough funds to allocate funds. I even stated that setting up an even lower payment plan will not work because I still would not be able to pay it with XXXX income, as I was still job searching. Regardless of what I explained XXXX from XXXX XXXX continuously berated me. As of today XX/XX/XXXX I noticed they have now switched my loan officer suddenly to XXXX XXXX. I have also been harassed with non stop calls each month from her as well about debt from XXXX XXXX. They have also GREATLY negatively impacted my XXXX XXXX as they threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on New York Civil Court Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). 

TD Bank 's willful FCRA violation has been committed knowingly and recklessly. 

In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. 

Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I had been reaching out to XXXX XXXX to see if I could get a payment plan started to pay off loan but they insisted on repossession my car instead of working with me and charging me unnecessary fees in regarding the loan and applied this loan to my credit report so that has put me in a terrible situation with me on my credit report when I dont even have the car anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo took money from me.

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 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My husband got sick with XXXX was layoff. We try doing a home modification and Wells Fargo never try helping us after paying the house for 20 years. We contacted a lawyer but the bank never try to help us stay with our house.

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 2023-01-20 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: OH

Complaint narrative:
A collection account was listed on a credit report I had obtained in XXXX of XXXX. The collection agency name is XXXX XXXX XXXX XXXX located in XXXX XXXX, Nevada. I sent a certified letter with return receipt to XXXX XXXX XXXX XXXX on XX/XX/XXXX which was received on XX/XX/XXXX asking for debt validation and the methods used to validate. 30-days passed, and I had not received a reply from XXXX XXXX XXXX I sent a second certified return receipt letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX which was received on XX/XX/XXXX notifying them that I did not receive a reply within 30-days and to remove the collection account from my credit report. I also sent a certified letter with return receipt to Experian Credit Company on XX/XX/XXXX which was received on XX/XX/XXXX requesting this collection account from XXXX XXXX be removed. I received a letter from Experian Credit on XX/XX/XXXX indicating the collection account for XXXX XXXX XXXX XXXX has been verified however no method of verification was provided. I obtained an updated credit report from Experian on XX/XX/XXXX to confirm their decision. 

An additional 30-days passed, and I did not receive a reply from XXXX XXXX XXXX I obtained a new credit report from Experian on XX/XX/XXXX which continued to show a collection account from XXXX XXXX XXXX XXXX XXXX I then sent a third certified letter with return receipt on XX/XX/XXXX to XXXX XXXX XXXX XXXX which was received on XX/XX/XXXX indicating Ive not heard a reply yet and requesting a final good faith attempt to validate the debt or remove it from my credit report. I also sent a second certified letter with return receipt to Experian Credit on XX/XX/XXXX which was received on XX/XX/XXXX explaining that XXXX XXXX XXXX XXXX has not replied to my request nor have they updated my credit file to remove the unvalidated item. 

On XX/XX/XXXX I received a dispute result letter from Experian Credit once again stating the debt is validated without a method of validation being provided. 

I will be sending a final certified letter with return receipt to Experian Credit today XX/XX/XXXX indicating they have been given sufficient time to provide accurate debt validation methods and reminding them that XXXX XXXX XXXX XXXX has not responded to my numerous attempts to communicate for greater than 90-days. I will be including this CFPB complaint number as well and request the account be removed from my credit file immediately.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Have issues paying online resulting in high late fees. High checking account fees.

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 2023-01-20 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:
Part of Wells Fargo settlement to confirm bank fees and overdraft fees were charged incorrectly

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 2023-01-20 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: FL

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 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 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I would like to as help to lift the limitation on my account. 

please I need to change my cards and banks, but it is still my own bank account but on Monday I sent two transfers to my bank account. and denied both. 

Last XX/XX/, 2023 Withdrew Funds to a Bank Account it is in XXXX EUR but, i forgot and not aware that should I should convert it? 

the same time the amount in USD I also tried to withdraw to send it to my bank account {$190.00} USD But paypal denied my withdrawal because of the actions from my account that i change bank account that time, Please help me restore my account,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On, XX/XX/XXXX, the Wells Fargo 's Executive Office Case Specialist, XXXX XXXX, at ( XXXX ) XXXX, received my Telephone Call for Identity Confirmation as requested on XX/XX/XXXX, ( citing, in Case No : XXXX ). 

After verification, he assigned me a new case number and informed that the Case, now, is being assigned to a new case worker who shall contact me in two business days. Further, he confirmed my Address, including Email and Telephone Number, respectively, at-law. 

Shortly, after our meeting, I received an Acknowledgement Email from Wells Fargo Online by and through The XXXX XXXX XXXX XXXX ( XXXX  ) with a ten business days elongated to issue the Response. 

On, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX wrote an Email to me exactly depicting the same Identity Confirmation Letter by XXXX XXXX Whose Act and Conduct totally denied my Identity as verified to the New Case Number, ( citing, in, Case No : XXXX ) which she wrote an Email to me as stated above.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account was closed

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 2023-01-20 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: LA

Complaint narrative:
My car loan was taken out in XXXX of XXXX thru XX/XX/XXXX. I believe my interest rate was too high and extra fees were charged over the time I had the loan.It was also difficult to get a refinance and I paid on time. Also I had a courtesy delay twice. Please check that as well because hidden fees may have been charged.

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 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on New York Civil Court Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). 

XXXX XXXX 's willful FCRA violation has been committed knowingly and recklessly. 

In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. 

Please urgently investigate and advise.

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 2023-01-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXXXXXX XXXX is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on New York Civil Court Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). 

XXXXXXXX XXXX XXXX willful FCRA violation has been committed knowingly and recklessly. 

In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. 

Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: NY

Complaint narrative:
XXXX XXXX is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on XXXX XXXX XXXX XXXX  Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). 

XXXX XXXX XXXX willful FCRA violation has been committed knowingly and recklessly. 

In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. 

Please urgently investigate and advise.

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My credit reports generated by TransUnion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of last activity, balance and close date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name TransUnion XXXX XXXX Last activity ( XXXX/XXXX/XXXX XXXX XX/XX/XXXX Balance $ XXXX $ XXXX XXXX Close Date XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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 2023-01-20 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have account from years with wellsfargo bank and I notice some discrepancies at my account with the money

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 2023-01-20 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: TN

Complaint narrative:
I had Wells Fargo since XXXX  and it was alright at first but after awhile I start getting charged overdraft fees for no reason back to back and I also and a automatic payment coming out for XXXX and I cancelled that and they still took my money and I put me in a bad situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 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: CA

Complaint narrative:
Wells fargo XXXX various amounts totalling {$7500.00} they denied my claim froze my account closed it without returning my money to me

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 2023-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: KS

Complaint narrative:
Upstart has continuously charged interest on extra principal payments. When I started paying the monthly payment, the interest charge was reasonable. I paid a total of XXXX and was charged an interest of XXXX from it. As time went on Upstart began to take over 60 % as charge even after paying more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I get high overdraft and maintenance

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has incorrectly charged me multiple late fees and overdraft fees over the years

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