vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: NC

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 2023-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Good evening me and my mom had an account with Wells Fargo for more than 25 years. And we had some issues with late fees with loans and account fees. We also requested loans but got denied many times. We had good credit and good banking history. In 2021, my mom passed away. We had a joint account. Wells Fargo closed the account without my permission! They didn't even reach out to me to ask if its okay to close it. I called them and they refused to provide an explanation and reopen the account. That was very unprofessional.

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 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
This is not my debt. It was sold to company after being removed from my report previously.

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 2023-01-24 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was in the process of selling my home and buying a new home. A very stressful and highly agitated time in my life, eating away at my time, life and energy. I needed to find a mover. Most movers at the time weren't available due to the summer season. I came across an ad on the internet about a moving company, I called the number and spoke to what I believed was an actual moving company. They told me that they could move me when all the well known movers couldn't, I was desperately needing to move due to my house closing at the end XXXX, when I contacted them at the end of XXXX. The move date was over a month in advance. Most of my transaction conversations were done on the phone. I was trying to juggle working at my job while this was all happening and fielding a lot of calls from work, realtors and now this moving company, which the moving brokers kept calling. Long story short, I believed them to be movers, I gave them my credit card number as a down payment of {$5300.00}, but they were not movers, they were brokers. I only found out because I was too busy to read the contract due to my limited time, they had told me some one was going to reach out to me in 3 to 4 days to solidify the move, when they did not, I got concerned I was scammed, and went to look at their contract to see, yes, I was scammed, and no one called me, therefore mitigating their UNCONSCIONABLE Contract. I was shock to find out they weren't movers, more shocked to find they had when I believe to be a highly unethical contract, and researched on XXXX and the XXXX XXXX XXXX showed me that this is a very dirty business doing this to hundreds to thousands of people. I went about cancelling this move with these scammers, thieves, and went directly to my bank to cancel and dispute the transaction because I wasn't going to be utilizing them. This contract is UNCONSCIONABLE- All this is what I went through with these movers : Undue influence ; XXXX ; Unequal bargaining power ; Unfair surprise ; or Limiting warranty. 
My Bank, Wells Fargo, had took over 6 months to give me an answer for the dispute. They claim because I signed this contract that I am stuck with the {$5300.00}, even though this horrible moving brokers did NOTHING for me! They did not find me any movers, I found my own. They did nothing for that {$5300.00} that they STOLE from me, and my bank Wells Fargo has allowed these scammers to do this. 
NO SERVICES WERE RENDERED! NONE!!!

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX is reporting a collection account on my credit report. However they are not licensed in the state of virginia to purse any debts. i have attached documentation.

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 2023-01-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX is reporting a collection account on my credit report. However they are not licensed in the state of virginia to purse any debts. i have attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I am writing to file a complaint against American Express, for violation of consumer protection laws 15 USC 1681s-2 ( a ) and ( b ) of the FCRA requires lender to provide notice of such action of sale upon request, however despite these laws, the lender refused to provide such information when requested. Additionally, American Express only stated this action midway through our call, there otherwise was no real or legal cause for such action. My accounts with the Lender were sold without notice and without providing any information regarding the sale. Furthermore at the time of sale, all accounts were in good standing and no primary reason would have been necessary for the relative action. The Lender has refused to provide any information regarding who they sold the account to or why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: IL

Complaint narrative:
It was numerous times I had overdraft fees and other fees I can not give exact dates and amounts. I no longer have Wells Fargo

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 2023-01-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX I was laid off and tried numerous times to either refinance or get a loan modification to help with my XXXX monthly mortgage. Process was long and tedious and never got a clear answer if anything could be done. Filed for bankruptcy in XXXX because I was unable to fulfill my obligations

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well for one thing I've try a couple times to see if I can have my interest rate lower on my Wells Fargo Visa Card only to be rejected or given the round around game. 

Also to my Wells Fargo checking account was hacked too in XXXX loosing between {$12000.00} to {$8000.00} Wells Fargo never send me a copy statement of what was recovered nor a reimbursement of of my missing money. 

I stop pursuing the case since I don't worship money and money can always be replaced. But if I could get justice and closure from the CFPB that would be grate if not then it's either way I would be OK.

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 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo auto loan and wire transfer article sent me to this site to make a complaint for a class action suit I believe it's all very confusing but I know just from going into the bank they are very unscrupulous when dealing with them. 

thank you 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 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am filing a report of Fraud in reference to an account that was placed in my name years ago and I reported to the company that I didn't open the account and it was supposed to have been deleted, but it wasn't and it was allowed to accumulate service fees and late charges that are still trying to be assessed to my name. The current holder of the fraudulent account, Transworld System Inc, continues to preform a dishonorable act by continuing to report this fraudulent account on my credit profile after years of dispute on my behalf and inconsistent, unverifiable documentation supplied by the said original creditor which is XXXX. The said fraudulent Account # XXXX needs to be removed from credit profile immediately, for it is not my account, so I bear no responsibility to this said fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
YOU ARE MAKING IT EXTREMELY DIFFICULT TO GET A CREDIT REPORT WHAT IS THE PROBLEM WHAT IS GOING ON WHY EVERYTIME I TRY TO GET MY REPORT YALL SENDING ME THRU HOOPS AND SAYING YALL CANT VERIFY ME. MY INFORMATION WAS COMPROMISED IN YALL DATA BREACH AND NOW I CANT GET MY REPORT. YALL HOLDING ME BACK FROM APPLYING FOR A HOME. DO YOU WANN ABE HELD LIABLE FOR ME BEING HOMELESS?? IVE CALLED AND MAILED AND UPLOADED ALL THE DOCS YALL REQUESTED AND I STILL CANT ACCESS MY REPORT TAKE WHATEVER FRAUD ALERT FREEZE THAT IS ON MY ACCOUNT OFF NOW!!!! IT BETTER NOT BE NO NEGATIVE REMARKS OR DERROGATORY ACCOUNTS ON MY REPORT OR YOU WILL BE TAKEN TO ARBITRATION. YOU HAVE FAILED TO DO A REASONABLE INVESTIGATION AFTER I TOLD YOU MY INFORMATION WAS COMPROMISED BUT YOU STOP ME FROM BEING ABLE TO CHECK MY REPORT NOW. EQUIFAX YOU HAVE 4 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I received Email regarding opening banking account with HSBC that I did not open. I also received letter in the mail and a credit card. Card in letter shows HSBC, credit limit was XXXX and application was filled around XX/XX/XXXX. I called them and spoke to a foreign person. He wanted personal information and I did not feel comfortable doing so. I tried telling them I did not fill out anything but believe there was a language barrier. He told me to reach out to credit XXXX to report fraud. I called and placed Fraud alert but was told to reach you since account has been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE 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 non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
My account in paypal was permanently limited and i have funds, he request to submit my id on XX/XX/XXXX XXXX and after submitted my id and waiting her review after that my account was permanently limited. I dont know what the reason why permanently limited my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: MI

Complaint narrative:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. XXXX, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells fargo account was hacked funds taking out my account I went 2 months trying to provide it was not me. My online account login was changed and money was taking out shortly after. Wells Fargo refused to give me back my money for 2 months. Bills got behind and had to find another back

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 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
he was a victim of fraud with a company called XXXX XXXX that according to was an investment fund and he took my XXXX from my virtual wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I started receiving phone calls from a number that is marked as being a " spam '' caller on XX/XX/XXXX. The number leaves a voicemail saying it is from the " billing department '' but never leaves a company name or call back number. Appears like a scam. No letter was received from this company to collect a debt, I did not even know the name of the company until I checked my credit report and saw that they placed a collection account on my credit report. The phone number I was called from was XXXX they called me on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Absolutely NO attempt to send me a letter informing me of the debt, my right to verify the debt, or any debt verification information was sent to me from this company.

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 2023-01-24 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: MI

Complaint narrative:
Atnt constantly post an old sold off debt for the amount of XXXX to my credit knowing full well that it has been paid multiple times and refuses to correct the issue even WITH proof of payment and I need this fixed immediately as they have sold this debt off multiple times and receive payment for it multiple times it is damaging my credit terribly and they refuse to correct it and I want something done now I have my own legal help as well and Im suing because of this matter

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