vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: WI

Complaint narrative:
I contacted XXXX, also filed a complaint with CFPB and against Equifax, I received a response from Equifax stating the inquiry on my consumer report was FACTUAL, XXXX. assured me that there was not any application attached with my social security number in their system and also assured me that they would contact Equifax to inform them of the error. I will attach the letter that was sent to me from XXXX to this complaint as well, In my last last complaint about this matter, Equifax lied to the CFPB about it being FACTUAL! The attached letter from XXXX shows the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: CT

Complaint narrative:
Between the years of XXXX I was charged over {$2000.00} of overdraft 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 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
On XX/XX/2022 I received a call claiming to be Wells Fargo. They were calling about suspicious XXXX transactions on my account. They provided some personal information and account information to verify and they spoofed the caller id number. They went through the process of " canceling '' my debit card and then helped talk me through refunding the XXXX transactions that I said I never made. I couldn't see them online, but they assured me it's because they were under review for fraud. They had me set up a XXXX contact to under a number they gave me, listing my name and Refund as the contact name. I then sent XXXX dollars to this " refund '' number, as instructed. They then asked me to do it again for {$500.00}, but at that time my roommate ( who was searching scams online ) showed me a story of a XXXX scam that was exactly like what I was going through. I immediately hung up and called the XXXX number on my debit card, where they confirmed that the person I spoke to was no a XXXX employee and I was, in fact, scammed. I immediately filed a fraud claim. A few weeks later, since I hadn't heard back from XXXX I called and was told that the WRONG fraud claim was filed. They had filed a debit card fraud claim, and apparently it should have been an online fraud claim ( or Vice Versa ). So another fraud claim was filed with XXXX for me. A few weeks later I received a letter stating my claim was denied because I authorized the payment. It is true, I authorized the payment because I was lied to by someone claiming to be a Wells Fargo employee. I gave up, until I talked to someone who went through the same thing, but then received an unexpected refund from XXXX, after their claim had already been denied. I have not received any money back and I am wondering why some people are being refunded for the same scam while others are not. It was incredibly violating and disheartening, as the XXXX representatives I spoke to when filing my claims made me believe this would be taken care of and I would get my money back. The only reason it didn't empty my bank account was I had just receive my tax return via direct deposit, otherwise I would have had nothing.

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 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Hi By Wednesday the XXXX of XXXX, I received the amount of {$950.00} first {$600.00} and then {$350.00} from XXXX XXXX ( XXXX purchase XXXX XXXX ) I never even have as a pending funds in the cash app-app account who i need to open to received the purchase price, but I received a email after that i need to send the phones and send tracking number who they can release my money so i think is not to crazy, but after I send the founs and give the tracking number I received another email from cash app support, requesting another {$700.00} to proof for to extend my liability to received more money since I have a new account. I sent the {$700.00} to her with gift cards and follow all the rules by this point I contact cash app customer service line ( searched in XXXX the number to contact them ) and the people who I talking thru i believe the real people told me that yes! the have that policy and i will need to continue! " in a recorder line ) XXXX, then I received another email that I need another {$300.00} with gift cards again, then when apparently everything is concluded. If I want to access my fund I need to send {$50.00} by XXXX ( I already report that XXXX account to my XXXX XXXX back the email that they are using is : XXXX and also they keep telling me to this one : XXXX for fees to express funds. when I think everything is done and by this point that lady has {$1000.00} dlls and the phones that I sent to her. I don't have anything!!!! and I received another email from Cash app that I need to pay {$200.00} in taxes because " customers '' all transaction was inside the XXXX nothing have to be with " customs ''. so they Fraud me with {$2100.00} even I think they will stop today they keep asking for {$100.00} dlls. I contact cash app since the first time that I don't have a good felling about this but honestly to this point or that app work with Fraud people or they al a XXXX CASH APP!!! they customer service are the worst people who I can even talk in my live they did not help at all they answer my emails with 24 hours of delay with pure excuses, One of the times I call the guy tell me you needs to send all that money so we can release your money. Please help me!!! I will attached all emails and communications thank youXXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of XXXX originally applied for and received a loan of XXXX dollars from XXXX XXXX ( XXXX XXXX. No. : XXXX XXXXXXXX XXXX XXXX  ) a company whose loan products seem to now be owned by XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) assumed servicing of the loan. I have since paid the balance down to XXXX dollars ( as of XX/XX/XXXX ). However, on my Experian credit report it still shows a balance of XXXX dollars dating from XX/XX/XXXX under lender name of " XXXX ''. 

A few days ago, I contacted Experian repeatedly and even filed a dispute resolution request online with them. Experian then rejected the request and upheld the false balance entry, citing the fact that the lender maintained the balance is correct. ( I do not know if they spoke tXXXX XXXX XXXX XXXX XXXX XXXX ) to make this determination. I then contacted XXXX XXXX via phone, who refused to help in any way, giving me the phone number for XXXX. I called XXXX  and they said it is XXXX 's responsibility to report the loan correctly, not theirs and that they ( XXXX XXXX had been reporting for me monthly ( a claim that is false as there is, as of XX/XX/XXXX XXXX PST no entry for XXXX on my Experian credit report ). In sum, XXXX puts the responsibility on XXXX and vice versa. Experian defers to the " lender '' - I do not even know who they spoke to or who the " lender '' is at this point. In any case, my XXXX XXXX is unfairly and materially adversely affected by the false balance appearing.

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 2023-01-29 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:
I sent the following letter on XXXX XXXX TO WHOM IT MAY CONCERN : Per FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of any and all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 usc 6802. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

PROMPTLY REMOVE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your assistance in this matter, 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 2023-01-29 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: MI

Complaint narrative:
I sent the following letter on XXXX XXXX TO WHOM IT MAY CONCERN : Per FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of any and all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 usc 6802. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

PROMPTLY REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX BEST BUY/ XXXX XXXX XXXX XXXX XXXX. 
Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I would like a copy of my contract.

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 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a paycheck ( {$1800.00} ) and went to deposit it at the Chase ATM on XX/XX/23. I got an error message saying the check couldnt be processed, but the ATM never returned my check, nor did I receive a receipt. I went to inside the branch to speak to the teller to grab my check from the machine, but apparently they dont have the clearance to just open the ATM machine. They gave me a customer support number to call to file a claim. I called customer support I gave them all the information and they told me to wait 2 weeks for them to investigate. I had told my employer about the situation and they tell me the check has already been cleared and funds debited from their account, and deducted from their account. I even faxed a screenshot of the transaction from my employers side XXXX XXXX  XXXX XXXX ), that the funds had been taken from their account, even though according to my employer XXXX says the check is pending transaction. 

Fast forward 2 weeks, I call customer support and they tell me the check is not found, so they cant return my funds. Someone on the Chase side processed my check and has my money hostage. They closed my case and said there is nothing they can do to help me. I went into the Chase branch today to follow up. The representative mentioned that they are going to escalate the matter to another department. The did not mention how long the process would take. My employer also filed a claim on the XXXX  side. XXXX said they will investigate, but the process could take up to 90 days. I cant sit around 90 days to potentially be told the same thing today and not have my funds reflected on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent out letters on XX/XX/2022 asking to validate the hard Inquiries left on my Credit Reports, respectfully, to each of the following companies XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Not a single company has responded. So I reached out to Experian, XXXX, and XXXX to VALIDATE the hard inquiries, and to provide substantial Evidence and information such as, Signatures, Forms, and applications for the entire month of XXXX and XXXX of XXXX, which was sent formally though XXXX on the XXXX of each of those months, and I have yet to have a formal Response Via XXXX as of today, XX/XX/2022. 

Since I have not received not 1 single letter from the Credit Reporting agencies and or the organizations that have marked my credit I am asking for the Consumer Protection Financial Bureau Investigate the " Hard Inquiries '' on all of my credit reports. If there is no information keeping these inquiries on my account, Then, Per 15 U.S. Code 1681i, this information shall be deleted. 


( A ) In general if, after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Since XXXX, my mortgage was originally with XXXX XXXX XXXX XXXX. I had a series of hardships I experienced in addition to loss of income during COVID. My mortgage payments fell drastically behind that in XXXX of XXXX, I was almost up to {$68000.00} dollars behind in payments. I had attempted to make payments however they would send my money back. XXXX XXXX stated I had to go through loss mitigation processes which I kept submitting paperwork to no decision ( even when they said it would take 30 days ). In late XXXX of XXXX, I was informed that my loan was transferred to Carrington Mortgage Services. When I contacted Carrington, they had explained I was in pre-foreclosure and to submit a new loss mitigation packet with them. I had explained to them at this time that I had actively been in a loss mitigation process with XXXX XXXX when my mortgage was transferred again. I set out to compile on the necessary documents to restart the loss Mitigation process with Carrington. On XX/XX/XXXX, I contacted Carrington to ask about my application. They stated I was in active foreclosure with a sale date of XX/XX/XXXX which is less than a month away. I asked what had happened so fast and they informed me that I had been in active foreclosure since XXXX of XXXX. They told me I received process sever paperwork. I or my husband never received process server paperwork and was never informed I was in an active foreclosure. They did not explain the process to me. I asked what my options were and they did not tell me anything other than to fill out the loss mitigation package or contact mortgage assistance relief fund. I knew that the loss Mitigation package halts the foreclosure however they told me that if underwriting determined I was not eligible for any options, the foreclosure auction sale date would still stand. I was adamant about not going into bankruptcy or being foreclosed on and was not given any information or options. I had no choice and was forced to make the decision to sell my home. They have withheld giving me and my realtor my payoff quote saying they need to get it from the attorney and that Im being charged an excessive amount of fees. Also I never received the notice about the auction date for XX/XX/XXXX. I found out about it because the cleaning lady was served papers from the HOA saying we were served for foreclosure auction. This process has caused us much distress but we are going out best to save our financial lives out of this mess. They claimed to want to be of assistance when in fact they were not providing information that I was already in active foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
I've notice a account/collections on my consumer report that doesn't belong to me. 
ACCT ... XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX RXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, does belong to me. Could you please remove these FRAUDULENT ACCOUNTS from my consumer report. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THESE ACCOUNTS HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. INSTRUCTIONS THAT I COULD NOT HAVE GIVEN, BECAUSE NONE OF THESE ACCOUNTS BELONG 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 2023-01-29 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: TX

Complaint narrative:
I've notice a account/collections on my consumer report that doesn't belong to me. 
ACCT ... XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, does belong to me. Could you please remove these FRAUDULENT ACCOUNTS from my consumer report. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THESE ACCOUNTS HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. INSTRUCTIONS THAT I COULD NOT HAVE GIVEN, BECAUSE NONE OF THESE ACCOUNTS BELONG 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 non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo processing many checks prior to ACH resulting multiple overdraft fees. Informed Wells Representative violation of Title 12 Banks and Banking injustice on XX/XX/2023. 

Wells Fargo assigned Mediation Tracking Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-29 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: MN

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I declare under the penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX and XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violations punishable under 18 U.S.C. 1001. Additionally, those misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. 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 explanation