vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: CA

Complaint narrative:
I never signed up for automatic charges from XXXX, but instead every two weeks and charge {$23.00} which gets placed inside this account that I can not withdraw any funds from. I reached out to customer care support, and they refused to contact me for any help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

Under Sec. 602 " I Have A Right To Privacy ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
some unknown person open a auto loan in my name I reached out to said collection company / creditor to make them aware of the identity theft, this item has still not been removed from my credit file I also sent supporting documentation regarding the fraudulent account that was established in my name, without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To Whom it may concern, On XX/XX/XXXX i received a text message alerting me that my card was been used. 

I immediately called Wells Fargo ( XX/XX/XXXX ) around XXXX Customer care agent told me that I have nothing to worry about no transaction recorded at the moment. on XX/XX/XXXX i notice my statement has {$6900.00} of a purchase at the CHANNEL STORE # XXXX in XXXX I called WELLS FARGO ( XX/XX/XXXX ) and they ask a few questions told me that a case will be open for investigation. Adjust my account removing the fraudulent charges on XX/XX/XXXX just to put the charges back the same day. 

Call back WELLS FARGO on XX/XX/XXXX and they said the investigation didn't go on my favor because they know for a fact that I did authorize the transition this statement is not True. I have explained so many times to Different agents that it was not me i was in the State of NJ when this was happening in the state of New York. 
Ultimate they have advised me that I am responsible for charges and i have to pay. this is not a fare investigation ; I can't be responsible for something I didn't do plus being accused of fraud myself when I am the victim. 
if you need additional information for this to be solve, I am open to provide please reach out to me. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I submitted an error on my credit card account pursuant to the Electronic fund transfer act on XX/XX/2023 of the entire amount allegedly due. I didn't recieve confirmation until XX/XX/2023 that Navy Federal Credit union were reviewing it. I explained to them why my allegedly debt was in error. They ignored the EFTA by not crediting my account within 10 days and proceeded to take money out of my account to offset the alleged minimum balance due violation of the TILAct when in fact the entire balance including the minimum balance was in dispute and collection was supposed to stop as well as reporting my account delinquent when in fact it was subject to a dispute the moment they recieved my email pursuant to EFTA and the FDCPA. I contacted Navy Federal and advised them that they were violating the law and my rights by stealing my money and not folowing the law. I was told that they can take my personal funds out of my account because I ghave them a security interest. I never gave consent for them to take a security intertest they are trying to make me subject to their abusive and unlawful business practices. I never negotiated any terms to an agreement that they are trying to enforce upon me. They are guilty of abuse by taking unreasonable advantage of me through their unequal barganing power ( non-negotiable ) terms and conditions and my lack of understanding the conditions of this credit card product. Navy federal never gave me full disclosure nor was anything clear nor conspicous the security interest is stated in fine print on the second page of the unenforceable agreement they sent to me on XX/XX/2023. 
Navy Federal conducted a bad faith investigation into the error I sent to them by sending me on several different occasions conflicting information, no accounting evidence provided to substantiate their statements nor was verification given from any senior executive memeber in which I requested. I want to be made whole for Navy Federal abusive, deceptive and unfair business practices in violation of the FDCPA, EFTA, TILA, CFPAct which has caused me substantial injury in which I could not reasonable avoid myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I sent in a dispute letter regarding XXXX XXXX  account it is being reported as 30 days late when I was never late and the account is closed. Also transunion does not match my other credit reporting agencies XXXX and 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 2023-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Finance LLC
State: DE

Complaint narrative:
Back in XXXX my car was repossessed, now 18 years later they are garnishing my wages. They refuse to work with me claiming judgement is lifetime even after judgement came off my credit in XXXX. They are steady charging me interest daily according to the finance company. I did not get any notice of wage attachment or a new court hearing. This is 18 years later with 18 years of accumulated interest at 22 %. Resolve would be to delete all interest and loan due to age

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: CT

Complaint narrative:
Central Portfolio sent a text message to my fathers number regarding my debt. Although the amount of debt and to whom I owe this debt to was not identified, my reference number was. Therefore, I feel that in this circumstance this third party can contact central portfolio with my information and find out that I owe this medical debt to a specific MD and when I had this visit. I do not want anyone knowing my medical information, even where I get my medical care from. This is not only unprofessional but I believe it violates my privacy. 


Another issue I had with Central Portfolio ; they contacted me via text of my boyfriends debt. We do not share the same last name. We do not live together. What made them feel so comfortable in taking action like this? Its very unsettling. I was not aware he was in debt, this is a deceitful act. Their agenda is to tarnish our reputation, as if they are threaten us to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management XXXX XXXX, was sent 2 negotiable instruments, one was received XX/XX/XXXX and credited on the account for {$3000.00}. They ( Midland Credit Management Inc., continued to send and call stating the debt was still owed. The instrument ( a bill of exchange ) was never returned. I sent another instrument ( bill of exchange ) for {$650.00} received XX/XX/XXXX, also credited on the account. They kept the instrument and continue to state the debt is owed. They have also reported to my consumer report on XXXX, XXXX and XXXX as in collections, further harming my credit score 15 U.S. Code 1692 - Congressional findings and declaration of purpose, ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XXXX, XXXX, a letter was sent to Freedom Mortgage, that included the following details : On XX/XX/XXXX, I entered into a mortgage with my wife 's grandmother. During closing time, I noticed an error in the paperwork and mentioned it to title and my lender. A correction was never made in the closing documents. As a result, the Warranty Deed which was filed incorrectly on record by Freedom Mortgage to XXXX XXXX, TX. The deed was filed as Tenants in Common. The deed should have been filed as Joint tenancy with rights of survivorship. Grandmother tragically passed away on XX/XX/XXXX. 

I have contacted Freedom Mortgage on numerous occasions, including communications via their message center through the app. I have sent messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also contacted them through the end of the year and the beginning of this year regarding her death to get the deed fixed. I kept getting generic messages and when I called, I was either transferred to someone else, or got a different answer every time I called. 

The issue is that on the Uniform Residential Loan Application Form - XXXX XXXX XXXX XXXX on page 14 of 16 under L2 Title information, the section was left completely blank where it states " Manner in Which Title Will be held ''. 

This was a mistake done by Freedom Mortgage and also the warranty deed was filed by Freedom Mortgage. I contacted the County clerk 's office who told me that an affidavit for the deed can be filed since there was a mistake in the paperwork. It also states in the Deed of Trust that corrections could be made. 

After sending this letter in XXXX, their response seemed automated and stated in a letter that no changes would be done.

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 2023-04-26 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:
In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX, XXXX # XXXX, Account Name : XXXX XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : 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 repo
rting 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 2023-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian Information Solutions XXXX XXXX XXXX XXXX TX XXXX Dear, XXXX XXXX I am writing to dispute the accuracy of my credit report, which I obtained from your agency on XXXX XXXX. I have identified several violations of my rights under the Fair Credit Reporting Act, including violations of 15 USC 1666b, 15 U.S. Code 1666, and 15 USC 1681b, which I would like to bring to your attention. 

Specifically, Experian has treated payments on my credit card account as late, even though I made the payments on time. This violates my right to have accurate information on my credit report, as guaranteed by the Fair Credit Reporting Act and 15 USC 1666b. Additionally, Experian has failed to correct billing errors on my account, in violation of 15 U.S. Code 1666. 

Furthermore, Experian has accessed my credit report without a permissible purpose, in violation of 15 USC 1681b. According to this law, a credit reporting agency may only provide a credit report to someone who has a permissible purpose, such as a creditor or employer who is considering extending credit or offering employment. However, Experian accessed my credit report without a permissible purpose, which violates my right to privacy and my right to control who has access to my credit report. 

These violations have caused me significant financial and emotional distress. As a result of these inaccurate late payment reports and billing errors, my credit score has been negatively impacted, and I have been denied credit and other financial opportunities. For example, I was recently denied a loan for bad credit debt, late payments, over utilization of accounts that are not even mine. 

Additionally, the unauthorized access to my credit report by Experian, XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX, has caused me to worry about identity theft and other forms of financial harm. 

I am requesting that you delete all derogatory accounts, tradelines and lines of credit, update all late payments to current. Rid my file of all these violations and correct any errors on my credit report immediately! DO NOT SEND ME ITEMIZED DEBT ITEMS AND PASS IT OFF AS DEBT VALIDATION REMOVE ALL LATE PAYMENTS, XXXX OUT ALL BALANCES, DELETE ALL COLLECTIONS ADRESSES, AND DELETE PERSONAL INFORMATION FROM SERVERS, A.I technology, backup servers, computer monitor / hardware and software alike.

I am also requesting that you provide me with a updated free copy of my credit report, as guaranteed by the Fair Credit Reporting Act.

Also see attached invoice for damages.

Thank you for your attention to this matter. 

The natural man, XXXX XXXX Without prejudice

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 I received a text from Wells Fargo asking me to verify a transaction. So when I went to log in my account, there were a lot of transactions that werent authorized. I filed a claim that same night and they said that they will be on it. I called this morning of XX/XX/2023 and now they arent giving me a clear indication of when I could expect any of my funds and the resolution besides the standard blank statements they tell everyone. It is now the 8th business day and I only received {$85.00} of the money that is owed to me since the claim has been opened. Their 10th business day policy and it looks like they trying their hardest for me not to have my money. Fast forward, it is now XX/XX/XXXX and they have closed the cased saying i reported the transactions out of the 60 day window when I have evidence that is was within the time period. On the contrary, they credited me the {$58.00} that was supposedly from last year that they said they werent going to credit. Now they are saying they are not giving me nothing that was within the 60 days. Thats backwards and I want them to know how terrible their bank is. I still want my money Im owed. If it isnt resolved by the end of this week, my next step is legal action.

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 2023-04-26 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:
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : 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 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 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 2023-04-26 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: AZ

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX Dear XXXX XXXX : I need to make a consumer complaint. On XX/XX/XXXX of XXXX I purchased a car from a car dealership named XXXX 's in XXXX, PA. This dealership sold a car to me without checking my income verification. I am on social security and could in no way afford a $ XXXX car payment. I brought the car back to the dealership on XXXX XXXX XXXX I would like your department to investigate this matter. I believe I will be protected under the Americans with Disabilities Act as I am XXXX and was sold a car that was not within my budget. I am requesting that the dealership remove this item from my credit report. The dealership sold the car to someone else and I received a check for only {$720.00}. I would like your team to reach other to GMC Financial and the XXXX 's XXXX  The salesman that I am working with is XXXX. 



XXXX XXXX XXXX 's XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation