vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have a mortgage with Wells Fargo Bank, I'm currently XXXX on XXXX XXXX with XXXX more months left on my assignment before I come home and retire for a XXXX  and final time from the military. I was recently informed by a family member that some mail came to my home address from Wells Fargo stating Intent to foreclose. It's my understanding the letter is dated a month ago now. As you can imagine that's quite distressing for me as I am not in a position to address my issues and concerns that I have with Wells Fargo currently being on the other side of the world. Not to mention, I should be under the protection of the Service Members Civil Relief Act right now, and per the protection act I have an additional year from the day I leave the military and XXXX XXXX, still protected. Wells Fargo is aware I am XXXX, as I have had communication with them in the past updating information and even faxed my orders of service, so they once again are violating my rights! 

I've spoken to my command about my concerns and issues and was encouraged to contact the CFPB about my situation before getting a XXXX officer involved. My issues go even deeper with this crooked institution, as they are the main reason I returned to the military after I had retired, to obtain a better financial situation to afford and keep my home after I was unfairly turned down by Wells Fargo when requesting a modification in previous talks. I strongly believe I've been discriminated against by this company and I plan to get to the bottom of things and look into all options available to me once I return back to the states permanently. 

I ask that you get to the bottom of why I was sent the notice at this time. 


Thank You, Kindly

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 2023-02-16 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: Stellantis Financial Services US Corp.
State: NE

Complaint narrative:
I have an existing car loan through First Investors. Previously I had some late payments on my account, and when I called them to resolve they recommended I sign up for their Fresh Start program. The agent told me that after completing 4 on time payments my account would be brought current and all late payments would be removed from my credit file as a courtesy. This has not been done. I competed the fresh start program at the beginning of XX/XX/2023 and still show late payments on my credit report. I emailed first investors about this several times and have not had a resolution. They keep attached my agreement which mentions nothing about late payments. Please resolve this.

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 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: GA

Complaint narrative:
This account was fraudulent open in my name for the amount of {$120.00}. 
The date it was reported was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the last week I had an approved loan with Bank of America with terms of APR of 5.39 % Nothing changed through the process, I was sent an electronic signature and signed everything but right after, I realized they had changed the APR to 6.39 % No one mentioned it beforehand, XXXX at bofa isnt returning my emails about it, I called and talked to someone not involved, they said it went up due to needing more money. 
They changed the rate without mentioning it hoping I wouldnt notice. Bait and switch The lady on the phone will not honor the original terms Because I had been approved at that rate, I did not explore other options, now I am supposed to have the paperwork for a XXXX by today so Im sort of out of options I got tricked

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 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. they use automated response system XXXX to keep on fake verfications The entry reads : [ Repossession : Accounts seriously past due ] [ XXXX TransUnion Account # : XXXX -- -- High Balance : {$16000.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$13000.00} -- -- Closed Date : XXXX -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Miscellaneous Finance -- -- Account Status : Closed -- -- Payment Status : Repossession -- -- Creditor Remarks : Repossession -- -- Payment Amount : {$500.00} -- -- Last Payment : XX/XX/XXXX -- -- Term Length : 48 Month ( s ) -- -- Past Due Amount : {$13000.00} -- -- Account Type : Auto Loan -- -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ). 
This account was paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have 5 late payments of 60-90 days between XXXX on my credit report, I called and asked to have them removed after being in good standing for 6 months at which time they denied my request.

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 2023-02-16 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: GA

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. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXXXXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 2023-02-16 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX I Account number : XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 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 2023-02-16 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: OH

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from 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 2023-02-16 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: DC

Complaint narrative:
On or around XX/XX/2023 account history for my XXXX XXXX credit card account was reported to have changed on my Experian Credit Report. Upon review, I saw that all of the account history for the XXXX XXXX account was deleted, the account status changed to " XXXX XXXX '', and the account was being reported as " in dispute by the subscriber ''. The account status should indicate the account is in good standing. I contacted XXXX XXXX, they indicated they have never reported any accounts in my name as being in dispute. Because they did not report this dispute, they are not able to make any corrections related to the inaccurate reporting because they have no record of any dispute ever being reported. I contacted Experian thereafter who claimed that XXXX XXXX did report the dispute and that they could not update the account history unless they received communications from XXXX XXXX. This account was opened specifically for credit rebuilding ; removing the payment history resulted in decrease in my FICO credit score. The attached documents show that as of XXXX 2023 timely payments have been made and the account is in good standing, to report otherwise is inaccurate and is a violation under the FCRA.

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 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Around XXXX. Wells Fargo had a collection representative called me and about late payments. At the time I did not have the money to immediately pay my car loan ( with Wells Fargo ). I stated I was unable to pay repeatedly to the Wells Fargo collection representative. They illegally debited my checking account ( Wells Fargo ) in the amount of {$800.00} without my permission immediately after the call. 

This organization is unethical and sick. I closed me account shortly after this event and will never bank with them again.

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 2023-02-16 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: IL

Complaint narrative:
XXXX XXXX  showing late payments asked kindly to display show burden of proof data furnisher has not shown me statements, situation was fixed a month ago, and they repudiated the account to late after I proved them that I had a binding agreement for payments to be shown as payed and current. 

XXXX XXXX showing XXXX late payment, please update account I payed on time last month self lender

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 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/21, an inquiry for XXXX was applied to my TransUnion credit report. I never gave authorization to XXXX to pull my credit report. This is FRAUD!

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 2023-02-16 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: TX

Complaint narrative:
XXXX XXXX XXXX is furnishing inaccurate information to my Experian credit file. Collection account XXXX. Experian is reporting XX/XX/XXXX for date last active while XXXX is reporting XX/XX/XXXX for date last active. Due to inaccuracies I want the account deleted for violating the FCRA. My proof is directly from my credit report that shows the violation.

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I placed an order with XXXX XXXX XXXX website on XX/XX/XXXX at XXXX. After realizing the website was a fraud/scam I immediately emailed the company and requested to cancel the order, XX/XX/XXXX at XXXX. This company responded to my request via email on XX/XX/XXXX, at XXXX acknowledging that I had requested to cancel the order. Their cancellation policy per the website states, " cancellations must be done prior to the order being shipped. '' I then received an email on XX/XX/XXXX stating that the order had been shipped. This is 10 days after I cancelled the order, well within the time period. I have emails time stamped and dated showing this as fact which I have provided below. I filed a dispute with the credit card company since I did not receive a refund and provided them with proof that I had requested a cancellation well within the time frame. They denied my dispute stating they need documentation from the merchant showing they cancelled the order. I submitted proof that it was requested and that the merchant acknowledged that I had requested it be cancelled. The merchant did not cancel the order because they are a fraudulent company. There are many complaints on the FTC website about this company and the fact that they are scammers. This merchant is also claiming that the order was received. I have not received anything from this company. I have cancelled all of my accounts with the credit card company as they lied and stated that I would not be held liable for fraudulent transactions. Since this is a scam website, it should fall under fraudulent activity. I will not be paying for something that I cancelled or that I never received. They have been provided all proof of cancellation, the website policy for cancellations and all info related to this dispute. They asked if I would call the merchant number to dispute it with them. I called the number provided while on the line with Capital One and it is not even their companies phone number. Again, they are not a legitimate company hence I can not dispute it with them. I want the charge removed from the account and all accounts with this creditor closed. I will no longer be using Capital One as my credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 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: TX

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-02-16 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 rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : NAVIENT Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2018 a bankruptcy was shared on to TransUnion XXXX and XXXX. 

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 may 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