vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 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: CA

Complaint narrative:
XXXX XXXX has furnished an incorrect account balance on XXXX of {$16000.00} on my XXXX Credit Report and a Account Balance has been furnished to my Equifax Credit Report of {$16000.00} on XX/XX/2022, Both from XXXX XXXX XXXX XXXX I also has sent this company a Cease and Desist which they have also ignored and violated my consumer rights and continue to used these deceptive practices. Im just putting your company on notice that you all are liable under federal laws to investigate and report each complaint. 

Violations Unfair practices 15 USC 1692 15 U.S. Code 1692c - ( c ) Ceasing communication

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has furnished an incorrect account balance on XXXX of {$16000.00} on my Experian Credit Report and a Account Balance has been furnished to my XXXX Credit Report of {$16000.00} on XX/XX/2022, Both from XXXX XXXX XXXX XXXX I also has sent this company a Cease and Desist which they have also ignored and violated my consumer rights and continue to used these deceptive practices. Im just putting your company on notice that you all are liable under federal laws to investigate and report each complaint. 

Violations Unfair practices 15 USC 1692 15 U.S. Code 1692c - ( c ) Ceasing communication

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 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
This company is attempting to sue me for not paying a debt that isnt owed to them. This brought on a tremendous sadness. I have been feeling down and suicidal lately. This is harmful to my health and a defamation of my character. I found evidence that your organization didn't double-check for accuracy before reporting it. In accordance with Section 1681e ( b ) ( b ) Accuracy of report of the United States Code ( 15 U.S.C. When a consumer reporting service creates a report on an individual, they are required to take reasonable measures to ensure the data is as accurate as feasible. According to my research, Section 1681 ( 5A ) of Title 15 of the United States Code deals with now false or questionable facts are handled. They cant provide any verifiable proof that I signed anything agreeing to pay them. Under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Loan interest was high

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 2023-01-21 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: Reliance Motor Credit LLC
State: NY

Complaint narrative:
Remove this off my report its effecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Subject : Complaint against Newrez Mortgage Company for Poor Communication and Lack of Assistance by Team Member XXXX XXXX To Whom It May Concern, I am writing to file a complaint against Newrez Mortgage Company for their poor communication and lack of assistance in a timely manner, specifically by team member XXXX XXXX. I have been trying to work with the company to resolve an issue with my mortgage and have consistently been met with unresponsiveness, lack of interest, and poor communication by XXXX XXXX XXXX. 

I have attempted to reach out to the company through phone calls, emails, and letters, but have received little to no response. When I do receive a response, it is often delayed and inadequate. I have also made multiple attempts to reach out to XXXX XXXX XXXX specifically, but have been met with the same lack of interest and poor communication. 

As a result of this poor communication and lack of assistance, I have been unable to resolve my issue with my mortgage and am left feeling frustrated and disheartened. I strongly urge the Consumer Financial Protection Bureau to take appropriate action to address this issue and ensure that Newrez Mortgage Company improves its communication and assistance to its customers. 

Thank you for your time and attention to this matter. 

Sincerely,

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I don't exactly know dates but I had a Wells Fargo account. My wife passed away XX/XX/2021 from XXXX at which time I called my bank and requested for all automated payments to be put on hold until I could figure out what to do about my financial situation. Within 2 weeks of my wife 's passing I found out that my account was drained and I had over XXXX dollars in overdraft fees. I lost the house I was buying and 2 cars because of thier mistake. Shortly after they closed my account without notification.

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 2023-01-21 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am on XXXX XXXX. On XXXX XXXX XXXX Capital One assessed an annual fee totaling {$390.00} against me. I requested the annual fee be waived and was denied. I assert the interest rate plus this fee violates the Military Lending Act for XXXX XXXX service members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
Took out a Title loan from TITLE MAX for approximately {$1900.00} around XXXX of XXXX and paid monthly amount of {$350.00} every month until XXXX of XXXX. If you do a math one can come to the conclusion that I've paid off that principal a couple times over. Reason stopped paying was due to me being admitted to the XXXX. Hospital as I am a 100 % XXXX Veteran. Fast forward to XX/XX/XXXX XXXXand while in the hospital once again my brother who I live with witnessed a wrecker hook on to it and drive away. Car btw is a XXXX XXXX XXXXXXXX XXXX valued at over {$18000.00}. I only have use of a computer with email and unable to use the phone sent TITLE MAX an email requesting that they send me something which shows amount I owe or a certified letter and gave them 7 days. Both E-mail 's are attached and as of the date of this email have not received ANYTHING IN WRITING from TITLE MAX either before repossession of afterwards which is now been coming up on 3 weeks. Meanwhile my car wherever it is will be collecting storage fees which I'm surely not paying for under these circumstances thus far with them ignoring my requests outlined in my attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: MD

Complaint narrative:
XXXX XXXX XXXX also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.

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 2023-01-21 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: MD

Complaint narrative:
XXXX XXXX XXXX also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: MD

Complaint narrative:
XXXX XXXX XXXX also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.

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 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Charging overdraft for items not overdrafted

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 2023-01-21 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: TX

Complaint narrative:
Extra overdraft fees from 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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Fees and amounts not right XXXX Did not fix or give money 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 2023-01-21 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: FL

Complaint narrative:
Several business Wells Fargo XXXX XXXX accounts of mine were charged excessive overdraft & insufficient funds fees over the last few years! Leading to account closure.

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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I couldnt get a modification with Wellsfargo

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 2023-01-21 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: AZ

Complaint narrative:
Date - OD amount - Purchase amount XX/XX/XXXX XXXX $ {$17.00} XX/XX/XXXX {$35.00} {$5.00} XX/XX/XXXX {$35.00} {$61.00} XX/XX/XXXX {$35.00} {$16.00} XX/XX/XXXX {$35.00} {$14.00} XX/XX/XXXX {$35.00} {$170.00} XXXX overdrafts of which they only reimbursed me {$65.00} because they said that the bank could not return more, which were their policies, but I previously called for the same thing and that agent who answered me said that it was a service to help customers and that I could activate it whenever I wanted and just calling before the overdraft month was up so they could refund it, and now the agents say something else, that they can't and that's why I accepted the partial refund of {$8.00} for each overdraft, which was unfair and illegal.

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 2023-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Closed the XXXX line of credit in XXXX. Overpaid and requested a refund. Followed up using the XXXX number and obtained no satisfaction after multiple calls, through XXXX. 2022. Started filing complaints with the CFPB to get the organization to address my concern. After the first complaint filed with the CFPB, USBank provided a copy of the cashiers check that was supposedly issued to me, refunding the amount expected. I examined the check and noticed that the signature was not my signature and I could not determine where the check was cashed or deposited. I filed another complaint with the CFPB noting this discrepancy/information ( Compliant # 2 ). USBank responded " confirming the funds were deposited into an account which did not list us as the owner ''. Still no resolution to the funds owed. Instead I have been asked to file an Unauthorized Paper Debit affidavit with their fraud investigations area. 
- Why am I required to file a fraud form when the fraud was perpetrated on USBank? 
- Why have I still not received the refund, over 90 days later for the overpayment? 
- Why is USBank allowed to have a complaints process that does not allow for clear communication and properly trained personnel to deal with customer concerns?

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 2023-01-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX its paid in full XXXX XXXX XXXX both paid in full XXXX Needs too be removed also Ive ask that my inquiries be removed all the ones that are not tied to account be I did give permission to check undates on credit cards are not right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Id had Wells Fargo for over 5yrs and when I asked for a credit limit increase I was told I had to back with Wells Fargo before I could get a credit limit increase so I cancelled the CC with Wells Fargo I dont like them at all

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 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The car got stolen from me and all that happened is that they considered the car totaled and I wasn't given the option to get another car and was left with no car.

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 2023-01-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 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 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 of 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 2023-01-21 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Its effecting my score n lowering my score with so much inquiries of things I never applied for .Remove off credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: FL

Complaint narrative:
As dated, XX/XX/2023, THIS cause is for Defamation of Character ( Libel ), by way of admission to inaccurate and unfair credit reporting, failure to obtain permissible purpose, and willful noncompliance causing discriminatory acts to be taken upon I, XXXX XXXX, such as denials for credit products, causing severe harm mentally and emotionally knowing the information inaccurate and invasion of privacy. See attachments.

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 2023-01-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

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 2023-01-21 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: SD

Complaint narrative:
Hi, I had an account within the whole-time frame in question, I was charged overdraft fees along with insufficient fees and overdraft fees sometimes due to their posting. I lost a house because of the noncommunication with the bank towards me. if they would have talked to me, I would have saved my house instead, I have had years of homelessness. I had my retirement and all my money wrapped up in that house. 
my name is XXXX XXXX XXXX the house I was living in at the time was 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