vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Hello! My name is XXXX XXXX. I purchased a new car in XXXX of 2020. The bank used was Wells Fargo. I seen there was a lawsuit and was wondering if I was owed anything.

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 2023-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
THIS US NOT A DUPLICATE COMPLAINT!

This company has not provided an appropriate response to my complaint. This company simply copied and pasted their original response. The company did not address the 3 items I specifically requested in accordance with the FDCPA.

My complaint specifically addressed the issue of HIPAA compliance between the original creditor and the debt collection agency. The original creditor has NOT provided a copy of the contract that indicates my permission to release my medical information to a third party. 

I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

Therefore my request is twofoldvalidation of debt and HIPAA authorization. 1 ) Please provide breakdown of fees including any collection costs and medical charges. 2 ) Provide a copy of my signature with the provider of service to release my medical information to you. 3 ) Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed in this complaint and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

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 2023-01-26 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: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX  placed a collection on my credit report in the amount {$820.00}. This account does not belong to me and I have no knowledge of it. The account was opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not a resident of XXXX, Tx and never have been. The company XXXX XXXX stated that they opened a ticket on this matter to be resolved. The reporting agency is " TRANSWORLD SYSTEMS INC '' This is not the first the time this has happened to me. I had the exact same thing happen less than 3 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX was filed in bankruptcy but is still being reported as an active part of credit through Experian. I have tried tried several disputes to have remove, but it remains the same.

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 2023-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I paid off a Wells Fargo Auto Loan, and never recieved my GAP Insurance Refund. Also, they added an interest decrease, an Unapplied decrease, and a late charge decrease to my Pay Off Amount.

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 2023-01-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Dear Sir/Madam : I have been a USAA credit card holder since XXXX and have always maintained my account in good standing. When paying my account, I usually open the USAA app on my phone and make payment on my existing balance. However, a few months ago, I decided to open one of the statements and noticed that my APR is currently 20.15 %, which it has never been. I then decided to go back at least 14 months and see that my APR was originally at 15.90 %, and has increased almost every single month over the last 14 months. This is not legal. In all of my life having credit, I have never witnessed any credit card issuer raise the rate on a monthly basis, unless there was some other issue such as a cardholder being late, which is not the case with me. 

Under the Credit Act, I am aware that a creditor must inform its consumers of any rate change at least 45 days in advance among other requirements. Since there has been a rate increase almost every single month for over 14 months, there is no way that I could've received the required 45 day notice as required under the Federal law. 

Therefore, I reached out to their customer service and then escalated to their Executive office. Although I have not had an opportunity to speak with the person who is handling the matter due to us missing each other on the phone, his name is XXXX and after several missed calls, he sent me an email dated XX/XX/XXXX, saying that the inquiry has been resolved. 

His email ( attached to this complaint ) says that on XX/XX/XXXX, changes to your credit card agreement were sent and that page 2 states that if your APR is variable, it will vary with the market rate based on the Prime Rate. This still doesn't hold water. This is a violation of the XXXX XXXX. Here is the breakdown of the interest rates for each month since XX/XX/XXXX : XXXX XXXX -- 15.90 % XXXX XXXX -- XXXX XXXX XXXX -- 15.90 % XXXX XXXX -- 16.15 % XXXX XXXX -- 16.15 % XXXX XXXX -- 16.65 % XXXX XXXX -- 16.65 % XXXX XXXX -- 17.40 % XXXX XXXX -- 18.15 % XXXX XXXX -- 18.15 % XXXX XXXX -- 18.90 % XXXX XXXX -- 19.65 % XX/XX/XXXX -- 20.15 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/2019 XXXX {$5600.00} This is a fraudulently opened account that was previously deleted and now re-appearing back on my Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TX

Complaint narrative:
Wells Fargo closed my account without notification due XXXX ( customer info, specifically my address which I have had for 12 years for this account and at their bank ). I have a mailing address, they demanded I use my physical house address. I went to the branch and updated the address to my house address as they requested, they then re-opened the account but kept my money. {$17000.00} USD. When I asked them where my money was, they replied and said they sent the money via cashiers check to the original ( mailing ) address and not to my house. My mailing address is a protected locked mailbox inside a mailbox business ( XXXX XXXX ). No cashier 's check ever arrived. 
I went into the branch and was told there was nothing I could do other than to put a stop payment on their check for a {$31.00} fee and then must buy a surety bond for {$340.00} in case someone cashes the check. They said I could just wait 91 days and they could issue a new check. 

I asked why they could not just re-deposit the funds electronically, they just said they could not. I do not believe this. 
The account closure happened XX/XX/XXXX it is now XX/XX/XXXX with no resolution. 

Please keep in mind they could have just called or emailed me to change the address, but they chose to close the account without any notification. 

Wells Fargo branch is XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX Texas. 
The account is a small business account 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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IN

Complaint narrative:
LExis nexis continues to violate my consumer rights. 

Violated 15 usc6802 they never gave me the ability to opt out of having non public personal information reported to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Good day! 
I am seeking help from CFPB as numerous attempts of calling our mortgage company has not resolved our issue. Considering this as fraudulent, unfair and deceptive practices towards consumers. 

We received tax form XXXX Cancellation of Debt from XXXX XXXX for calendar year 2022. We were initially with Freedom Mortgage and entered in a government offered COVID relief forbearance during the pandemic. After the relief period ended, the lender stated put the total amount due as deferred balance on our loan. Our mortgage was then transferred to XXXX XXXX as of XX/XX/2022. On the mortgage statement with XXXX XXXX reflects the deferred balance which matches the amount on XXXX. 
My question is why would we received a XXXX cancellation of debt when our mortgage statement still shows the amount owed as deferred balance? This amount is not cancelled nor forgiven. 
We have reached out to XXXX XXXX - response received was to reach out to Lender directly. We reached out to XXXX XXXX- no resolution - response received to reach out previous lender. We reached out to Freedom Mortgage- escalated issue thrice- no resolution to this matter. 
We are to file taxes for 2022, and we can not file the taxes unless we are clear on this matter. In my understanding, XXXX cancellation of debt is considered as income - and in this case, debt is not cancelled if it is appearing as deferred balance on our mortgage statement which we still owe. If this debt in actuality is cancelled, we need the deferred balance to be removed from our mortgage and confirmation of the same OR if the debt is not cancelled then a letter confirming that XXXX was sent in error. 
There are significant number of homeowners who were affected and were able to save their homes during pandemic due to help from the Government. Looking into this matter, finding a resolution and clear understanding would assist us and all who were impacted. 
We are requesting help and appreciate your review in this matter. 

Thank you Respectfully. 

Regards.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This complaint is reference to # XXXX. 

XXXX XXXX stated that I haven't made payments for XX/XX/2022 to XX/XX/2022 which is not true. I have proof that payments was made and CBNA pull my credit report on XXXX XXXX. This company has not been reporting my payments correctly. Please remove this account from all credit bureaus due to inaccuracies.

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 2023-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
JCPenney placing charges on my account without id or verification of who they are and charging illegally to the account I am the only owner of the store credit card.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX  continues to violate my consumer rights. 

Violated 15 usc6802 they never gave me the ability to opt out of having non public personal information reported to third parties.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX continues to violate my consumer rights. 

Violated 15 usc6802 they never gave me the ability to opt out of having non public personal information reported to third parties.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: HI

Complaint narrative:
I have been paying them XXXX a month for two years. In that time several items that are on my report would go off then only to return after time back onto the report. Last month a new unrecognized creditor placed a collection on my report so they began the validation process and only to have them completly droped the ball on the solution when this particular creditor summoned me to court. They claimed they could do nothing and I would need to hire a lawyer. They did nothing.

They also give no real advice or solutions for credit repair. My score on XXXX is lower now than two years ago when I began with them. What is their service for if it isnt a permanent solution. I even followed directions and opened a few new credit lines as guided by the-different reporting agencies to boosts my score and only to have a debt collector threaten me and follow me and place a debt I knew nothing about on my report. I now know its from an old credit card. Why would they advertise that they can get things removed from your report if they only come right back on shortly thereafter and they refuse to do anything as they know there is nothing they can do in the first place. Its only a band aide. Why not tell the truth in beginning and I wouldnt have spent all that money for two years for nothing really.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
First Horizon XXXX XXXX XXXX XXXX, XXXX, TN XXXX The main conflict occured roughly XX/XX/XXXX XXXX XXXX XXXX the beginning I was treated as if I wasn't a customer and a liability by the XXXX XXXX. That goes into great detail. Long story short, she got a false accusation from a third party saying I had a warrant for my XXXX  commanding I be removing from my home by XXXX instructing him to take all my bank information from the old account documents card ect which he didnt do because he knew and stated the situation was crazy ( with multiple lengthy calls XXXX? ). She then started a financial investigation writing Negative {>= $1,000,000} XXXX onto the account, started an elderly abuse investigation and I was told after all was settled the account would be re opened. I think the financial abuse investigation was terminated by her as 13? 14 days hadnt passed and she had switched the account off within probably 4 days. I passed the investigation ( s ) and now im being told more lies and excuses as to why I can not open the account or as to why it hasnt re opened. Ive called multiple managers and they all give a different answer. It hasnt been 2 years and she opened his old account with his deceased adopted daughter who passed as of XXXX and they are telling me I can not open the account and that I have no grounds and that two people need to be present. Which doesn't seem to be their track record or what I was originally told. They also claim there was no significant amount of cash in the account before closure, which there was. And claim the account is at a XXXX balance which makes it not worth opening ( thats because all funds were moved right around the same time I deposited a check ), but if there was cash in there they could do something. TO much XXXX. Also told my grandfather I was stalking him and told me I hacked him because she didnt change my email off the account when she switched things over. I was doing my research and heard it can have future penalties, and they wont disclose any information from the account to me so I Dont know if it was closed as an on going financial abuse investigation or what have you. I appreciate your help thank you. Also reported scam transactions on the account and was called stupid, and then blamed for it a few days later when XXXX got hit with a bigger false transaction by XXXX. 

I really dont want the company to " review '' this, as soon as I went in to speak with XXXX to settle this issue she opened her email and sent a message out ( as were speaking ) which dulled the communication I was getting from other Bank Managers . 

I am also currently very sick and navigating through life has been hard, should be getting the medicine soon and over this turmoil.

Company response to consumer: Closed with explanation