vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/2022 I was managing my Wells Fargo account, I signed up for a new feature called " direct pay. '' For whatever reason this triggered a fraud issue which locked me out of my online banking. I called on XX/XX/2022 and verified with the fraud department that I had registered for direct pay, despite this I was not given access back to online banking. I was then told that " loss prevention team '' had to review the case. I asked to speak with loss prevention and was essentially told that they dont have phone numbers, I asked the rep to contact them for me and was told that he had no way to do so and I needed to wait 10 days. 

I am at a loss, without knowing how much money is in my account, I cant pay rent, bills, water/power bills. 

I called their executive office, who agreed that this was a bizarre situation and attempted to resolve it. They tried to transfer me back over to the fraud team I persisted and insisted that they stay on the line. The rep confirmed that she had " never seen anything like this '' and there was no hold on my account. 

I really dont get it. I have no issue with Wells Fargo doing legitimate fraud reviews. But this was nothing like that. I verified all information with your staff, and I have never overdrawn, had a negative balance, or done anything remotely interesting with any of my Wells Fargo accounts. 

We all have to demand more from each other. The seriousness of what we do brings tremendous responsibility. Our work has tremendous impact upon people. We need to recognize that and make sure that we're doing everything we can to operate the company to the highest standards of operational excellence. - XXXX XXXX Lets see if Wells Fargo is actually committed to this. I would like a review from the CEO himself to see why I have received such bad customer service and why I have to delay paying my housing/utility bills this month. 

Furthermore I asked Wells Fargo representative, if this was ethical- she replied yes. I will let the CFPB judge here. The representative had the gaul to then suggest I drive >100 miles from MA to CT to manage my bills. I asked for compensation for the drive and time which was declined.

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have reached out to the credit reporting agencies multiple time about the XXXX XXXX XXXX XXXX being on my credit report. I stated clearly where fraud and breach of contract occurred from the onset of the contract. I also stated my issues with the repossession, I was never notified of the disclosures that were to be supplied to me in accordance with UCC 9 and the unlawful late payments placed in my file, which is in violation to 15 USC 1666B, nothing was done and this account is still showing up on my report. I contacted XXXX  XXXX as well and the only follow I received was letter from someone at the company stating they were not responding and they deny every thing I brought up to 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 non-monetary relief
Consumer complaint received 2022-05-26 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: PA

Complaint narrative:
I have reached out to the credit reporting agencies multiple time about the XXXX XXXX XXXX XXXX being on my credit report. I stated clearly where fraud and breach of contract occurred from the onset of the contract. I also stated my issues with the repossession, I was never notified of the disclosures that were to be supplied to me in accordance with UCC 9 and the unlawful late payments placed in my file, which is in violation to 15 USC 1666B, nothing was done and this account is still showing up on my report. I contacted XXXX  XXXX as well and the only follow I received was letter from someone at the company stating they were not responding and they deny every thing I brought up to 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 2022-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: DISCOVER BANK
State: DC

Complaint narrative:
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-05-26 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: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
XXXX XXXX, Ocwen Loan Servicing LLC appears to fraudulently assign themselves the 2nd mortgage loan to themselves using their power of attorney using the person XXXX XXXX. The person working for Ocwen, XXXX XXXX, assigns Ocwen using their power of attorney. XXXXIf this is true, then Ocwen Loan Servicing LLC, " the servicer '', went against their fiduciary duties as their role as power of attorney. 2. I have the original mortgage note that shows Ocwen assigning themselves the note. Upon paying off the loan, I received the mortgage documents including the mortgage note that showed all the transfers. There are probably other violations regarding this mortgage but it would appear that this alleged act is the most grave. 
I have attached the mortgage note, the allonges and deed of trust which are all signed by one person XXXX XXXX. XXXX XXXX, an employee of Ocwen, assigned the mortgage to Ocwen before they sold it on the secondary market.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax refuses to provide me with my consumer credit FILE. Equifax keeps closing my complaints and responding with stall tactics. Equifax continues violating my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had noticed unauthorized transactions on my accounts for the dates XX/XX/22, XX/XX/22 and XX/XX/22 for an amount totalling {$2600.00}. I had contacted Wells Fargo yo dispute the claims and was notified that they had launched an investigation. After 10 business days without an update I contacted them back and they said that I had authorized the payments and would not be eligible for a refund. The agent ( XXXX XXXX said they can do nothing now since the claim has been 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 2022-05-26 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: NY

Complaint narrative:
I was a victim of fraud and they refuse to remove false information on my credit report.

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 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have been working with Coinbase to restore access to my account, I need to obtain a w9 for tax purposes. My phone number has changed and the account has been locked. I have completed their verification processes and have been following directions and cooperating since XXXX. Still do not have access, I have uploaded numerous selfies with dates and ID, created a duplicate account ; however, when I call and ask to speak to a Manager they do not provide one. I still do not have access to my money or the W9.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected consumer Right to privacy and confidentiality under 15 USC 1681. 


Account : XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX OPENED : XXXX XXXX {$210.00} Account : XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX OPENED : XX/XX/XXXX {$300.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$740.00} 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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. The list of accounts below has violated My federally protected consumer Right to privacy and confidentiality under 15 USC 1681. 


Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XXXX XXXX {$210.00} Account : XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX OPENED : XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$740.00} 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.

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 2022-05-26 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: NY

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following accounts be verified or removed immediately : 1. This Account WAS NOT Authorized by me. 
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 2022-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: LA

Complaint narrative:
Someone or some entity has opened an account under fraud and I am a victim of identity theft using the name XXXX XXXX which is a public transmitting utility name as per the territorial/ municipal government incorporated.They have committed copyright infringement along with trademark fraud on my signature/name. Enclosed is my fee schedule and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I made 10 payments in money gram to XXXX XXXX account and 4 of them are missing. I already talked with money gram and the XXXX XXXX  office and they said they can do anything. 

I have my receipt and I'm going to list here. 

XX/XX/XXXX XXXX Reference number : XXXX Amount : {$280.00} Store : XXXX XXXX XXXX # XXXX phone number : XXXX XX/XX/XXXX XXXX Reference number : XXXX Amount : {$280.00} Store : XXXX XXXX XXXX # XXXX phone number : XXXX XX/XX/XXXX XXXX Reference number : XXXX Amount : {$280.00} Store : XXXX XXXX XXXX # XXXX phone number : XXXX XX/XX/XXXX XXXX Reference number : XXXX Amount : {$280.00} Store : XXXX XXXX XXXX # XXXX phone number : XXXX All payment were made through Money Gram. They said the payments were made but the dates that they provided me are incongruous. 

The said that the payment on XXXX was paid the next day, the payment on XXXX was paid on XX/XX/XXXX, the payment on XXXX was paid on XX/XX/XXXX and the last payment was paid on XX/XX/XXXX. I asked why the dates are incongruous and he customer service person said that he doesn't know and that is what the system said. 

I asked were is my money then and they said that they made payments and they can do anything about it. I asked for a transaction number to talk with the XXXX XXXX office and they said they can provide this information. 

My refund from IRS was taken by them because I didn't pay. I have all my payments receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: IA

Complaint narrative:
I recently received whats considered a payday loan from MINTO Money of about {$2500.00}. I spoke with someone from the XXXX XXXX XXXX XXXX about the loan because they are charging me over 500 % interest and by the end of the loan I will end up paying over $ XXXX. I was in dire need of the money and they were my only option. The guy I spoke to from XXXX told me they are not even licensed in the state. From what I can tell, it is also illegal to charge over 337 % for a payday loan in Iowa. What are my options? I have no problem paying the principal balance of what I borrowed but I can not afford over {$500.00} every 2 weeks and I want to figure something out before they send it to collections. I have sent a couple of emails to them with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation