vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
This company has attempted to call me during work hours to attempt a debt in which they obtained illegally. It is against the law to buy a person 's information and I also do not have a written contract with them. When I ask them to remove this report from the bureaus, they said " they can not do anything unless I verify my personal information with them first '' This has turned predatorial and also releases me from the original contract. I did not reenter any written contract nor sign any paper work with this company. They are asking to pay them over XXXX which wasn't even the balance of the original contract either. Further I did not give any permission for this company to report anything to any credit bureau. They have did this without my acknowledgement. They have not been able to verify anything of this said account. To end this company does not have a license to collect anything in the state of NV.

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 2023-06-06 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: VA

Complaint narrative:
Wells Fargo account would charge nsf fees before j have ran out of money, then when j was out of money they would charge {$35.00} daily until I put more money in the bank. You would then have to call them for them to take all but usually 3 charges off of nsf

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 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
My first problem with Avant is my due date for my bill was assigned to me. I asked the company to change my billing due date stating that this was an inconvenience. The company would not change my billing due date stating it doesn't matter that they don't charge late fees. Upon going to pay my bill on the XXXX of XXXX I noticed a {$25.00} late fee. I emailed asking for this lady to be removed because I was told that there are no late fees If I pay within the first 5 days. Also I asked for a credit line increase. I was told that my credit line increase was denied because my credit was Frozen. At the time I applied my credit file was not frozen. I made sure it was not frozen and I was told to go back and reapply again when I applied it said that it was too close to the previous time I applied. Why would they tell me to reapply knowing that it would be denied a second time because it was too close. This is a violation of the fair lending act. I should not have a late fee because I asked for my due date to be changed and I paid within the 5-day limit. I also as for credit line increase. And I get every excuse in the book after apparently a staff member gave me the wrong information. Fix it or we can go to arbitration!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Dear, XXXX XXXX XXXX I agree to pay the following financial obligation regarding account number XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both XXXX XXXX XXXX AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 

A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. XXXX XXXX XXXX is to also provide the identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX XXXX XXXX XXXX  XXXX Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Coastline Capital Fund Management, LLC
State: FL

Complaint narrative:
In 2019 I was granted a loan modification on my home. But due to an error. My loan went to a limbo, until Coastline Capital Fund 6 , LLC, bought my loan. I discovered through an investigation that this company " cherry picks '' homeowners. I was forced to file a XXXX XXXX in order to keep my home. In the XXXX the investor did not accept my loan mod and my payments went from {$1500.00} to {$3200.00} a month, after that I was force to come up with almost {$8000.00} within 40 days. Now I'm paying attorneys to defending and once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I have previously filed a complaint last XX/XX/2023 and it was closed because the company ( Pangea ) responded saying that " the funds were never retrieved from my bank account '' and that I should reach out to my bank. Furthermore, they said that in their response that I " agreed and has not reached out to the Pangea Customer Service team since ''.

I haven't reached out to Pangea because I went to my bank and filed for a dispute regarding the funds that was never returned to my account. I took the bank nearly 2 weeks to give me an answer. And finally on XX/XX/2023 I received the bank 's investigation of my filed dispute. Upon their investigation they found out that there was " no error occurred and that the transaction was valid '' and that my money was paid to Pangea as can be seen in my bank statement. I have attached the bank 's investigation report and my bank statement for reference. 
With this, I called Pangea Customer Service to inform them of the bank 's investigation report. The agent insisted that they never took the money from my account but I reiterated the bank 's report. I asked to talk to someone higher to give a valid answer but the agent said she will escalate the issue to someone. 
XX/XX/2023 I received an email from XXXX ( Pangea Money Transfer ) requesting me to send my entire bank statement for the month of XXXX. 
XX/XX/2023 I sent my bank statement to her at help@pangea.XXXX but I never received a reply. 
XX/XX/2023 I sent my bank statement again at help@pangeaXXXX and to support@pangea.XXXX  I never got a reply. 
XX/XX/2023 I sent another email to follow up my concern but I never received a single reply from them until this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: LA

Complaint narrative:
I was trying to buy a house and I realized that I had damage on my credit report according to the 15 U.S.C 1681 they should not be any damages on my report this is a defamation of my character. 

In XXXX I lost my job due to XXXX. per the CFPB website we were advise if you are having problems with paying your bills during COVID-19 to reach out to your Leanders or creditors and find out what options or programs were available. I reached out to every company. XXXX would not approve payment deferment on all my account. I had to try to borrow money to pay XXXX. If I was unable to make payment and company could not defer that account I received an 30 day late on my credit report. XXXX used a company system and it would only allow 1 or 2 account to be deferred at a time. 

Once I started receiving unemployment payments I was able to make payments on my accounts. I was not able to find a job until XX/XX/XXXX. 

The government advise all the creditors to forgiving late payments during COVID-19 XXXX and XXXX XXXX did not offer grievance during COVID-19 XXXX has damaged my credit with 6 accounts and several late payments. I had 8 accounts totaling over {$10000.00} and was never late until I lost my job, XXXX XXXX reported 1 late payment in XX/XX/XXXX. I have written letters and sent several emails asking to remove late payment. XXXX XXXX sent back a very nasty letter. I had this account since XXXX and never been late.

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 2023-06-07 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: NC

Complaint narrative:
Yes around XX/XX/2023 I found some accounts on my credit files that I didn't open or authorize anyone to open these accounts .fraudulent accounts I contacted the company 's couldn't get information cause I don't have account information. Reported to all credit bureau. They did nothing just updated accounts as they were mine they are not accounts that I opened I want them remove immediately..I filed identity theft Affidavit sent in to all credit bureaus along with identification and credit reports showing fraudulent accounts they have not done anything to block or remove these accounts I want them removed

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 2023-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received an auto payoff letter from Wells Fargo for an Auto loan for one buyer and received the title with another person name on it thats been deceased since XXXX. 
They cashed the check from my credit u ion in the amount of XXXX XX/XX/XXXX. 
I didnt receive the title until XX/XX/XXXX. 
And found out XX/XX/XXXX that I couldnt register the vehicle because the paperwork didnt match up. 
Now I have to wait for the deceased Parent to receive papers from the Courts before the title can be corrected. I was given a 30 day window before that paperwork is returned. Which will be XXXX. 
Im paying daily interest of {$11.00} since XX/XX/XXXX and Im not in receipt of the vehicle. 
I do not feel Im responsible for any fees acquired until I receive the proper paperwork from Wells Fargo. 
The loan was payed off out of deception. 
I thought I was purchasing a car from one buyer and not from someone whos been deceased since XXXX. 
Wells Fargo had ample time to rectify the paperwork. They cashed the check XX/XX/XXXX. 
Wells Fargo advised me that I have to contact XXXX XXXX or My bank. 
Wells Fargo shouldve listed both parties on the paperwork. 
However Im the only one paying for something thats not in my possession and wont be for another 30 plus days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I owe students loans for a school that closed down. And I wasnt able to complete my degree in XXXX This has affected my credit for years and my check was garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XX/XX/ I mad a XXXX  payment wired from my XXXX account to my WF credit card account. I have been making payments this way the entire life of the card. the payments are always applied immediately and the funds are due immediately. This is due to the payment coming out of my bill pay and being wired directly to WF from XXXX. The payment made on XXXX XXXX  is being held for 14 days as the WF employee told me " to make sure the payment was good and cleared the bank '' I explained it cleared the bank because it was taken out of my XXXX  account and wired to the WF card. So instead of me getting to use it, WF is going to use it for 14 days and not allow me access to it. I have attached the activity from XXXX and WF.

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 2023-06-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXXXXXX XXXX account # 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. also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXXXXXX  has violated my rights15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish a account without my written instructions. 

Other accounts I see on my credit report that are in violation are below. 
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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Co account # 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. also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX, has violated my rights15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish a account without my written instructions. 

Other accounts I see on my credit report that are in violation are below. 
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 2023-06-06 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: OH

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent Outsourcing is reporting this collection, in the amount of {$2100.00}, as an Open Account which is not under FCRA compliance. This inaccurate reporting needs to be removed immediately and permanently. In addition, on XX/XX/2022 I submitted a complaint regarding XXXX XXXX reporting that this debt was for the same amount as the original creditor which was deleted. 

This inaccurate collection must be deleted immediately and permanently! This is the second time this creditor has destroyed my livelihood for my family. Please give your attention to this urgent 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 explanation
Consumer complaint received 2023-06-06 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: NC

Complaint narrative:
I hope you can help! I have submitted a compliant on XX/XX/ with the credit bureaus and no response! I to have incorrect information on my report that needs to come off! My understanding is that 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. I will list the accounts below! 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX. XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Please investigate and delete from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: NC

Complaint narrative:
I hope you can help! I have submitted a compliant on XXXX  with the credit bureaus and no response! I to have incorrect information on my report that needs to come off! My understanding is that 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. I will list the accounts below! 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX. XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Please investigate and delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.

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