vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
my name is XXXX XXXX this is a complaint for wells fargo i have XXXX checking accts with wells fargo everyday and XXXX  wells fargo sent me letter stating that they will closing both accts on XX/XX/XXXX however to this date XX/XX/XXXX the accts are still open however wells fargo fraud dept has holds on these accts prevent me from access history transaction, on XX/XX/XXXX mt attrny wired transferred XXXX into my wells fargo everyday checking acct and i transferred XXXX to my wels fargo checking acct by XXXX the money was gone according to wells fargo however on my wells fargo prime checking acct statement for XXXX the balance according to the statement was XXXX howeve it was XXXX funds in both accts, wells fargo XXXX XXXX completed a claim for me resulting in XXXX being transfered to between both of these accts meaning if it is not in XXXX it should be in the other, i still have not received my XXXX check for this claim, all of my online bank transfers were transfers from XXXX wells fargo everyday checking to wells fargo prime checking acct, these accts are suppose to be closed meaning i will have XXXX yrs acces to my history transcation on all closed accts that is my right, i dont access because these accts are still open but have a hold on them preventing me from avcessing history transaction proving that wells fargo XXXX my XXXX settelment money in 30 days, and since these accts were never closed i am suppose to be receiving monthly statements i havent got XXXX since XX/XX/XXXX it is XX/XX/XXXX, i had over XXXX pending claims that wells fargo mishandled but i will submit another complaint for that issue, i want access to my accts and the hold remeoved also i had XXXX transfered from my prime checking acct to my everyda checking acct on dates XX/XX/XXXX through XXXX  i never received the money after completeing the transaction, and XXXX transfer from everyday to prime was taking out of my prime acct but never put in my everyday acct, that is why wells fargo do not want me to see history trasnaction through online services they cant alter those transcations

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 2023-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
Keith D. Weiner & Associates Co. L.P.A. has been trying to collect an auto loan debt that was resolved in my divorce in XXXX. The truck was voluntarily given back and the lender sold it and sent the company above to collect what was supposed to be the remaing price of {$10000.00}. I am not supposed to be held liable for the debt and I also sent my divorce decree providing a legal document letting them know that. In XXXX, I received a lot calls and mailing saying that I was responsible for the debt and I continued to respond letting them know that I am not responsible for the debt. In XXXX, when I was XXXX  with my son I started to receive threatening letters from Keith D Weiner & Associates Co. stating that they filed a real estate judgment against me and any property that I own the lien will encumber my residence to fulfill what is owed. Which, now at this point the debt total has jumped to {$16000.00}. So, I filed a motion in XXXX XXXX XXXX pertaining to this marital debt and the XXXX called their office with me and my ex-husband present to see how we could get this debt collector from off me and to allow my ex-husband to resolve his marital debt and set up a payment plan to start making payments. They said I had to give my ex-husband authorization to them to allow him to make payments on the marital debt. Which, I did and my ex-husband still was not allowed to setup arrangements to try to dissolve this marital debt. The debt collector above is still reporting negatively to my credit and also with the stated threats of filing a real estate judgment lien against me will stop me from selling my home since my family has out grown it and looking to find something bigger. This is really making feel like I can't move on with my life after going through a terrible divorce.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
Signed a XXXX lease at an apartment complex in XXXX of XXXX. Since the date of move in, I was living in a moldy apartment with visible mold, and a water leak. I reached out to the office numerous times about the issue. It was never fixed. I paid all of my rent during the months that I lived there. I vacated and terminated my lease on XX/XX/XXXX. All rent was paid up to the point and there was no balance on the account. My room mate and I paid thousands living in a hotel because we couldn't live in the apartment anymore. 
Here 's a brief timeline of what happened. 

XX/XX/XXXX I put in an emergency maintaining request to address the leaking pipe and mold. 
It wasnt taken care of. 
XX/XX/XXXX I put in another emergency request. 
XX/XX/XXXX I got an email stating it was resolved. 
I replied back and let them know that it wasnt resolved. 
On XX/XX/XXXX I spoke to a manager and they said itll be fixed that day.

It was marked as complete. However, there is still mold and a leaking pipe.

I reached out to the complex manager and she insisted that I must pay the termination fee. However, in the contract, it states, " Promptly notify us in writing about any signs of water leaks, water infiltration or mold. We will respond in accordance with state law and the Lease Contract to repair or remedy the situation, as necessary. '' For the record, the office was notified numerous times. 

It also states, " If we believe that fire, catastrophic damage, extermination issues, mold and mildew or any habitability issues whatsoever is substantial, or that performance of needed repairs poses a danger to you, we may terminate this Lease Contract within a reasonable time by giving you a written notice. '' With that being said, XXXX XXXX, the Assistant Community Manager, insisted I pay the termination fee. I didn't pay it because of the negligence on part of the management and service team. If the issue was resolved promptly the first time, or second time, or maybe even the third time, I wouldn't have moved out. I was paying rent for a place I was not even living in. 

I emptied the apartment and cleaned it, and sent in my keys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: OH

Complaint narrative:
As I pulled my credit report after having identity theft I notice things on my report that I never applied or have any knowledge of or any open accounts. On XX/XX/2022 I sent out certified mail letters notifying the companys and reporting companies listed with the accounts below which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. But However, I have not received a written response or any response back from the following companies. I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-30 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:
IN THIS COMPLAINT YOU WILL FIND DISPUTES THAT WAS MAIL TO AND RECEIVED BY TRANSUNION ON XXXX. INSTEAD OF TU INITIATING AN INVESTIGATION THEY REPLIED TO ME VIA MAIL WITH THE LETTER ATTACHED STATING THEY THAT THEY DID NOT INITIATE INVESTIGATION. ACCORDING TO THEIR LETTER THEIR REASON WAS THEY DID NOT BELIEVE IT WAS ME. THIS IS AFTER MY DISPUTES CLEARLY IDENTIFIED WHO I WAS ALONG WITH MY VERIFICATION DOCUMENTS. SO THERE IS A CLEAR WILLFUL NON COMPLIANCE IN REGARDS TO 15 USC 1681i. I CALLED AFTER SEEING THEIR RESPONSE LETTER IMMEDIATELY AND WAS TOLD VERBALLY OVER THE PHONE THE DISPUTES WERE NOT STARTED BECAUSE THEY DID NOT KNOW IF I PERSONALLY INITIATED IT. I INFORMED THEM I HANDLE MY OWN DISPUTES AND THAT THEY WERE VIOLATING MY RIGHTS AS A CONSUMER. I INFORMED THEM THAT I WILL BE SENDING IN THE SAME PREVIOUSLY DIS REGARDED DISPUTES AND THERE IS AND SHOULD BE NO QUESTION ON WHO'S SENDING THEM IN GOING FORWARD. TO BE SURE THEY COMPLY I INITIATING THIS DISPUTE COMPLAINT WITH CFPB AS I MOVE FORWARD WITH MY LEGAL PROCESS TO HOLD TRANSUNION ACCOUNTABLE. 
NOW I AM RESUBMITTING MY DISPUTES THROUGH MY PERSONAL CFPB PORTAL SO THERE WILL BE NO QUESTION ON AND ABOUT MY IDENTITY, EVEN THOUGH I CLEARLY VERIFIED MYSELF WITH MY DOCS WHE I MAILED IN DISPUTES THE FIRST TIME

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 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal banned my account on XX/XX/2023. And, their reason is excessive risks involved in doing business with me. Even if I complied with all their legal documents required. I don't have any disputes nor complaints from my customers until now. My account is more than XXXX XXXX XXXX and I just upgrade it recently to business account when I decided to venture as a freelancer selling web designs, ebooks and web hosting. All my hard earned money underwent XXXX  Day clearing period by PayPal but I don't complain about it. In compliance with there new seller protection program. And now, they are holding my hard earned money amounting to {$370.00} for another XXXX  Days without clear violation on their Terms & Condition. I tried contacting their Customer Service several times and they can not disclose the real reason nor violation of my account. I also tried reaching out via email to their XXXX office but until now they do not respond. 

With that, may I ask your good office for assistance. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-30 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: OH

Complaint narrative:
As I pulled my credit report after having identity theft I notice things on my report that I never applied or have any knowledge of or any open accounts. On XX/XX/2022 I sent out certified mail letters notifying the companys and reporting companies listed with the accounts below which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. But However, I have not received a written response or any response back from the following companies. I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: OH

Complaint narrative:
As I pulled my credit report after having identity theft I notice things on my report that I never applied or have any knowledge of or any open accounts. On XX/XX/2022 I sent out certified mail letters notifying the companys and reporting companies listed with the accounts below which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. But However, I have not received a written response or any response back from the following companies. I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: WA

Complaint narrative:
I have a credit card and a loan through Avant, about 4 months ago they blocked my access to my account online. They are taking money out of my bank account to make payments, but when I contact them regarding balances or where the money is going, they tell me that according to their records I do not have an account. I recently received an email to call them regarding stopping my ACH transfer, I get the same response, I do not have an account on file for them, yet they continue to take money from my checking account and can not tell me where this money is going. According to my credit report the balance on the loan and card keep rising, no payments are being made to the account but again they keep taking my money. How can I resolve this without losing more money and without ruining my credit because they show I am not making payments on my credit report...? They also refuse to send me paper statements. They said my customer ID number is XXXX but again when I call they have no record of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY
WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-30 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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