vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
Integra Credit has not verified the account in question They have sent this account to a law office that continues to call my phone at XXXX XXXX XXXX but does not leave a detailed message as well as where I can understand his message to even get the name of his office. He has called multiple times from XX/XX/2023. The company Integra credit never had my consent to send my information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made two car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid XXXX to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. XXXX has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX XXXX tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it three days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. two months later we found out from XXXX and the bank, that they did receive my may payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.

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 2023-01-23 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: VA

Complaint narrative:
XXXX shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made two car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid XXXX to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. XXXX has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX XXXX tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it XXXX days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. two months later we found out from XXXX and the bank, that they did receive my XXXX payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX i deposited a US Treasury Check given to me by the US Marshalls Office from the US District Court in XXXX XXXX, CA. When i deposited the given check ( {$73.00} ) it was accepted without any issues. 10 Months later ( XX/XX/XXXX ) and i am being deducted {$73.00} plus {$12.00} for a return fee, totaling {$85.00}. No explanation or reason has been provided to me as to how a valid government check is labeled as " Altered/Fictitious ''. It was a valid government check provided to me by the US Marshalls Office for participation in a Court proceeding.

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 2023-01-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-23 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: VA

Complaint narrative:
I received a bill in 2018 from XXXX XXXX XXXX XXXX for XXXX I reported that it was not my bill because it is a bill for a XXXX XXXX XXXX which is not me. I told their billing that all my medical concerns go to my medical insurance ( XXXX or XXXX ) and that it should be sent to them. they called me back and said it was rejected by both insurances. I said, of course because I am not XXXX, XXXX XXXX. They ignored me and put this bill on my credit. i have continued to fight this through the years constantly saying this is not my bill, I am not XXXX, XXXX XXXX, never have been and never will be. When ever I have a medical concern i always send it to my medical insurances. no one has listened to me through the years. so I am now coming to you. 
This bill has been listed on my credit XXXX and they keep updating this account to make it a recent legal account which is not in my name. Tried calling creditor about this account and they refuse to take it off even though it is not mine. i called the credit reports about this and they refuse to take it off also even though it is not in my name and it is not my bill.

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 2023-01-23 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:
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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC
State: SC

Complaint narrative:
Brock and Scott, PLLC has no contract with XXXX XXXX XXXX XXXX, now XXXX, XXXX. The company claims to be some sort of representation of XXXX XXXX XXXX XXXX XXXX, who the affiant also has no contract with. This company is XXXX  and maybe in possession of intellectual property. A surplus has been created in the name of XXXX XXXX XXXX XXXX. I demand that this estate property be returned to the trust immediately. I have reported this company to the XXXX XXXX XXXX of the Internal Revenue Service for unauthorized use of non-public personal information without expressed authorization. Attached is XXXX XXXX XXXX XXXX XXXX default. The affiant is not indebted to anyone. All debt obligations are of the United States per 18 U.S.C. 8, 12 U.S.C. 411, 31 U.S.C. 3123, 46 U.S.C. 53705, etc al.. 
This company has furnished deceptive forms to a consumer/natural person. XXXX is coming from a debt collector and the communication is false and misleading. I do not choose to contract with any of these debt collectors. I demand that all estate property be released immediately. This is not a request. If terms and conditions are not met within XXXX business days, a federal lawsuit will be commenced against these criminals for violation of the Civil Rights Act of 1866, Truth in Lending, and Fair Debt Collection Practice Act. 
Please keep in mind that any implication that communication is coming from an attorney is false and misleading pursuant to the FDCPA. XXXX XXXX XXXX XXXX XXXX has acquired a debt and has agreed by silence to the debt. This debt will be considered a bad debt and will be collected upon the rule XXXX with the Internal Revenue Service. 
What these XXXX companies are doing is Identity theft. This is illegal and the XXXX XXXX will apply to such criminals as well. 
PLEASE SEE ALL ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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:
Experian is reporting fraudulent items on my credit report. The items are XXXX XXXX, XXXX XXXX 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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I received a report that XXXX XXXX people are owed serious cash from Wells Fargo if I had a mortgage with them. I do believe that I was over charged on my payments during the years of XXXX to the rear of XXXX on my mortgage. I want to file a complaint for those years of over payment.

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 2023-01-23 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: IL

Complaint narrative:
HELLO, ON, XX/XX/XXXX, I WAS, STUMPED TO RECEIVE A CALL THAT, MY BANK ACCOUNT WAS, NOT MINE. THEY ALSO, REPUTED THAT, I WERE, XXXX, XXXX XXXX XXXX, THE BANKS I AM MAINLY IN RELATIONS WITH, IS, WELLS FARGO BANK XXXX WHICH MEANS ALL MY BANKS ARE, CONNECTED. THE NAME, THEY WOULD, HAVE STOLEN IS : XXXX XXXX XXXX.I, WHICH IS, IN SOLELY PRIORITY OF, MY HERITAGE AND INHERITANCE, WHICH PEOPLE LIKE TO GO AROUND CALLING ME, WITHOUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY MIGHT ASK AS, REPITUTATED AS, WHAT, BUT I AM THE BOSS XXXX FOUNDER OF EVEN THIS, ESTABISHMENT, THUS, THE ONLY XXXX, WORKING. THE OTHERS, FOR, THEMSELVES. PLEASE, COULD YOU RECOOPE, MY LOSES AND GET THE XXXX, THE HECK OUTER, HERE. FROM, ALSO, XXXX XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, SERIOUS 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 2023-01-23 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: NJ

Complaint narrative:
I have filed multiple complaints before with wells fargo and the overdraft fees. From XXXX wells fargo was rejecting payments to charge my account the max of overdraft charges allowed per day. This was a reoccurring issue that I have complained about.

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 2023-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In 2018 i was unfairly turned down when I requested modifications to my loan to avoid foreclosure. I may have been charged incorrect fees and other costs, overstated attorney fees and a remodification if double the price of my original loan

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 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting fraudulent items on my 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 non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Unfair business Practices never let me establish a line of credit for my business

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 2023-01-23 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: PA

Complaint narrative:
I opened the account two years ago and its been over drafted XXXX since then

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 2023-01-23 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: MD

Complaint narrative:
in XXXX of 2020 my entire payment was withheld from me and i didnt receive my XXXX dollars

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 2023-01-23 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: NY

Complaint narrative:
On XXXX XXXX I sent a check to Capital One in the amount of {$560.00}. The money was never posted to my platinum card # ending in XXXX. After a couple weeks I called to find out what happened and was told they never got a check. I have images of the check front and back and the account number it was deposited into, which apparently was a fake account because Capital One  claimed they knew nothing about it. When I sent the check in XXXX my credit card was only suspended for being past due but because they lost the check, so I canceled the first check and I had to send another check that didnt get posted to my account until XXXX XXXX and by that time my card was permanently restricted. At the time I only owed {$88.00} on my credit card, but because they restricted my card it was useless. My XXXX XXXX was affected because I have been trying for over a year to fix my account and they kept charging me late fees for non-payment and nobody cared there was an obvious attempt at fraud and the first check I sent never made it into my account. I filed a dispute and they said they didnt care and I still owe late fees on a card they canceled, even though I paid them within the XXXX period. I just spoke with XXXX in the fraud department ( XXXX ) and he said he didnt care someone attempted to steal the first {$560.00} I sent in XXXX of 2021. And I still owe {$210.00} on the credit card they restricted due to non-payment. I am at my wits end with Capital One and now Im filing a complaint because they dont care that they lost or someone tried to steal the first money I sent them in XX/XX/2021. They have since closed my account and said I still owe late fees on a card that they killed and rendered useless, even though I made my payment on time, which got lost. Talking with them does not help me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I, XXXX XXXX, leased a new XXXX BMW XXXX on XX/XX/XXXX. Did a lease transfer on XX/XX/XXXX, approved and authorized by BMW XXXX. I, the original lessee, signed the transfer agreement on XX/XX/XXXX, the new lessee, XXXX XXXX signed the agreement on XX/XX/XXXX. The transfer was then completed. I then shipped the vehicle to XXXX. the transfer agreement is now exhibit XXXX. 
XXXX then went to California XXXX on XX/XX/XXXX, filled out a vehicle/vessel transfer and reassignment form, without my knowledge and consent, said the original title owner was me ( should be under BMW XXXX XXXX, forged my signature and did a questionable title transfer to himself, XXXX then XXXX the legal title owner to the BMW XXXX XXXX the vehicle/vessel transfer form is now exhibit XXXX. 
BMW has now repossessed the vehicle, and BMW financial  has now sued me for : 1 : fraud 2 : breach of contract 3 : common count 4 : declaratory relief 5 : quiet tile 6 : injunctive relief amount of claim {$73000.00}. in addition, BMW is trying to rescind/void the lease transfer form which both original and new lessee signed and approved by them, on XX/XX/XXXX. 
BMW financial has never try to reach me regarding this matter. my phone #, email and address has not changed. I only found out about his XX/XX/XXXX, from the complaints served by XXXX XXXX XXXX XXXX XXXX. 
I have not breach my contract. credit report shows my account opened with BMW on XXXX was closed, paid and never late. I have not transfer vehicle title ( it's impossible because it was a lease ) lease assumption was approved by BMW financial. they have no right to rescind/void signed contracts at their own free will. 
according to exhibit 3, the lease transfer agreement was signed by me on XX/XX/XXXX. after that date lease is transferred and I am no longer responsible for the vehicle. BMW is now trying to blame me for their mistake, rescind the transfer, make me responsible for the remaining lease payments, pay for their damages and attorney fees while the vehicle is in the possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In XXXX, XXXX, I received an approval letter that stated my mortgage refinancing plan was approved.The next month Wells Fargo foreclosed on my house. After years of battling with them in the county courts, they completed the foreclosure in XXXX and I was forced to move.

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 2023-01-23 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: AR Resources, Inc.
State: VA

Complaint narrative:
I received a bill in 2018 from XXXX XXXX XXXX XXXX for XXXX I reported that it was not my bill because it is a bill for a XXXX XXXX XXXX which is not me. I told their billing that all my medical concerns go to my medical insurance ( XXXX or XXXX ) and that it should be sent to them. they called me back and said it was rejected by both insurances. I said, of course because I am not XXXX, XXXX XXXX. They ignored me and put this bill on my credit. i have continued to fight this through the years constantly saying this is not my bill, I am not XXXX, XXXX XXXX, never have been and never will be. When ever I have a medical concern i always send it to my medical insurances. no one has listened to me through the years. so I am now coming to you. 
This bill has been listed on my credit twice and they keep updating this account to make it a recent legal account which is not in my name. Tried calling creditor about this account and they refuse to take it off even though it is not mine. i called the credit reports about this and they refuse to take it off also even though it is not in my name and it is not my bill.

Company response to consumer: Closed with explanation