vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX closed it's company XX/XX/XXXX. I bought furniture through them in XXXX and it has been paid off. I can no longer go into any online account since the business is no longer opened and filed for bankruptcy. I purchased my furniture in XXXX XXXX XXXX store in XXXX XXXX, IL for reference. LVNV Funding LLC is trying to collect {$410.00}.

Company response to consumer: Closed with explanation
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: PA

Complaint narrative:
One thing about wells Fargo will charger u fast for over draft fee don't give u a chance is sad

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 2023-01-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 5 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. They refuse to update the balance on my credit file. I have my receipts of all payments ; however, they refuse to update my balance on the receipt also. I am not going to continue paying until they update this balance on my credit. It is negatively affecting my credit very bad, and I am working on fixing my credit. If they don't update, I will stop paying it and we can go to court. 
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 


Also, there are hard inquiries on my credit file that I did not authorize. I attempted to resolve them with the Credit Reporting Agency, ( Transunion ) to no avail. They have refused to remove these inquiries that I did not authorize and it is negatively affecting my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo reposed my vehicle back in XXXX time frame for what was extra fees added to my payment without my knowledge. I made payments every month biweekly by automatic withdrawals. I never received a letter or anything expressing that my payment was increased from the original loan amount. When I called to see what was going on they explained that I owed so much money within 48hrs or I would not be able to get the truck back. I was able the secure a loan with a local bank for the full payoff and when we called WellsFargo they instructed me and the bank we had to provide the pay off check by XXXX XXXX because a wire transfer was not adequate. They then said that by the time they received the check it would be past the 48hr time line so I would lose the truck regardless. So now I am checking to see if I would qualify for the pay out that was reached in the most recent lawsuit. 

Thanks

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
When I banked with Wells Fargo I was incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly Frozen. Also, I had opened up an account for my son which was supposed to be a no fee account. However they lost the account on my son. We were never able to retrieve any funds from that account. They were always charging fees that were not right and most of the fees charged to my account were the bank 's 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 2023-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter Business Service, Inc.
State: MA

Complaint narrative:
I paid a medical bill for a medical visit on XX/XX/XXXX but still received a notice from Carter Business Services. I received the letter on XX/XX/XXXX, and called them immediately to let them know about the situation. 

1. Instead of providing me with the validity of the debt, they asked me to prove that I paid the bill in full. However, I checked my patient account and it clearly does not have a complete record.

2. The debt collector used the wrong address when they tried to collect the debt.

3. I asked them if they will withdraw the notice if this is a mistake and they refused to answer or explain further.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account was charged overdraft fees numerous times due to Wells Fargo processing small payments and making payments decline or charging fees for allowing. The froze my account because someone got into it and it affected everything. They wouldn't let me touch anything or do anything to my account and then blamed it on me. They would not help me and said I had fraudulent activity. It was not my activity but they froze my account. And closed it without notice.i have direct deposits and everything for my business and I was not able to get residual from my business for almost 3 months trying to get everything changed to a new bank. It has been XXXX and it's been months and I still can't get one of my residuals set up because of my flagged account that should have never been flagged.

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: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: NY

Complaint narrative:
XXXX sold a loan that I had with them to SST after they went out of business. SST charged me with late fees even though I am current with my payments. They also have called me 10x since Saturday ( as of XX/XX/19 at XXXX ) to say that I have delinquent payments, although I have manually submitted payments as well as being on autopay. 

I've tried calling to discuss with a representative at SST corporate and can not get through. I've tried discussing with the rep that calls but they're offshore and then hang up on me. They keep calling and harassing me.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy nghts and/or committed another violation of the Privacy, Security, or Breach Nottication RUles. I do not recal giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anthing more is to onlv be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX 
COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered XXXX or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an orginal bill, and a detailed statement of procedures is required. if XXXX. 
Please provide a breakdown of fees, induding any collection costs and medical charges, if any Please provide a cooy of my signature with the provider of service to release my medical information to vous Please provide a report of comparative analysis between the dubious signature and the senature recognized by the alleged signer. if any. 
Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certicate of authority. and proof that your company is licensed to collect debt in my state. XXXX provide me with a license number and registered agent or agent of XXXX Finally, please provide an affidavit signed under XXXX XXXX XXXX that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.

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: 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: AZ

Complaint narrative:
i dont remember dates but this is and an on going problem with wells fargo with their over draft fees and and the company. after i move money around from XXXX account to another the bank still charges me over draft fees not just once or twice at XXXX time they charges 4 times in XXXX day. 
i would like to know if they over charged me on my auto loan that i had with them awhile back also.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
My vehicle was repossessed back in 2010 and I wasnt offered a lower payment to try and keep my vehicle or anything. And it was under ssn number XXXX. Dont even remember account numbers or anything.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My checking account was froze as a result of a fraud investigation for about three months in the year XXXX and ended up resulting in Wells Fargo closing my account and I was told I couldn't ever reopen an account with them.

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: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was XXXX payments behind on my truck. I made XXXX payments and they repossessed it.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/23 I received a suspicious email in regard to a paypal transaction. This is not the first time this has happened. I called Paypal to instruct them to close my account. They informed me that there had been restrictions put on my account due to suspected fraudulent activity. They relayed that the only way for me to lift the restriction so that they could close the account was to upload my driver 's license to their site, and allow them to confirm my bank account. I stated to the rep that they wanted me to upload and verify my personal information while someone was trying to hack my account- this does not make any sense. They placed the restriction, they should be able to lift it and close the account immediately. I was able to confirm every " verification code '' that they text to my personal phone, which was used to register the account. I have not used Paypal in the last four ( 4 ) years. I feel that their request for my personal information, when they confirmed someone was trying to hack my account, is unreasonable. I only want the account closed.

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 — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
When I banked will XXXX XXXX Fees was taken out of my account. 
My 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 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I've reached out to this company about this debt, I have no contract or obligation to pay a debt to this company. This debt is not mine and I have no obligation to make said payment to this company. I have asked this company to provide evidence that I owe them a debt and they have yet to do so. I've asked this company not to reach out to me and they are continuously emailing me and sending mail which is harassment, which is a violation of15 USC 1692 ( c ) of the Fair Debt Collections Practices Act.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

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 — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When XXXX was there would overdraft me when a payment came I had money to the fact the took my whole XXXX check away and make other bills late and charged late fees. Dates from XXXX. Having to call them each month due to not paying the amount when the money was there.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I called in to Equifax after pulling my credit report. The company Equifax itself is pulling my credit report just about every single day. I have 50 inquiries from Equifax without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
Sect collect reaged account twice within a week period.

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: Retail Merchants Associates
State: LA

Complaint narrative:
I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy nghts and/or committed another violation of the Privacy, Security, or Breach Nottication RUles. I do not recal giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anthing more is to onlv be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX 
COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered XXXX or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an orginal bill, and a detailed statement of procedures is required. if XXXX. 
Please provide a breakdown of fees, induding any collection costs and medical charges, if any Please provide a cooy of my signature with the provider of service to release my medical information to vous Please provide a report of comparative analysis between the dubious signature and the senature recognized by the alleged signer. if any. 
Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certicate of authority. and proof that your company is licensed to collect debt in my state. XXXX provide me with a license number and registered agent or agent of XXXX Finally, please provide an affidavit signed under XXXX XXXX XXXX that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.

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 when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Bestbuy routinely locks me out of the payment portal, ran by " Citibank '' now. I have to contact tech support at least every other month in order pay or log in to check on autopay amounts. Its suspicious. Now, I receive XXXX phone calls EVERY day regarding a single late thirty dollar payment. I have attempted to block the number and still receive the harassive calls.

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