vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc.
State: CA

Complaint narrative:
REMEX INC MEDICAL DEBT COLLECTION in the amount of {$600.00} Original creditor is XXXX XXXX XXXX at XXXX Opened on XX/XX/2022. 

I never received any documentation or written notice regarding this debt collection. I found about it today when it showed up on my credit report. This is adversely affecting the interest rate on my student loans - I had a near perfect credit score of XXXX with XXXX that is being damaged by this unlawful collection. They did not fulfill their legal obligation to notify me in writing before marking the collection on my credit report. I immediately disputed the charge with XXXX and XXXX. When I called them to find out more and request an itemized bill or any form of written documentation, they claimed they had already sent it in XX/XX/2022. XXXX of XXXX XXXX was extremely rude and accused me of lying. I am also filing a complaint with the XXXX. I dispute this charge in full it is unlawful, unprofessional, unwarranted and disgraceful. My credit score is essential for me as a young XXXX  looking to enter the industry and this is damaging my financial future. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  opened a checking XXXX savings account with Wells Fargo Bank in XXXX XXXX, XXXX XXXX deposited {$78000.00} in our checking account. At some point we transferred some money to the savings account. We are not sure of the exact date at this point but somewhere around XXXX of XXXX all of the money then in our savings account was transferred out, without our knowledge or authority, by Wells Fargo Bank, allegedly to a company with whom we were in dispute at the time. When checking our savings account XXXX seeing what had happened, we immediately went to the bank XXXX demanded to know what had happened. We talked to everyone who would speak with us XXXX no one offered any explanation. We were told by XXXX person that a company had submitted legal papers to the bank XXXX that the bank withdrew the money XXXX gave it to that company. We asked to see the papers. Wells Fargo refused. We asked for the company name XXXX contact information XXXX Wells Fargo refused to give us any information. We were left with no recourse XXXX tried to find information on the internet, other banks, legal advisers. No one could get Wells Fargo to help us. We had no recourse except to hire legal counsel XXXX we could not do that because we could not afford 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 explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX XX/XX/XXXX I created a PayPal invoice # XXXX in the amount of {$100.00}. The invoice was paid for and I had money in my PayPal account. I did not receive any notices that the money " if not claimed within 30 days '' would be refunded automatically back to the purchaser. I tried to claim the money on XX/XX/XXXX, before the 30 days. I had to link my bank accout to transfer the money over. PayPal said they would be depositing two small amounts in my account and I was to verify these amounts. The amounts would show up in 1 to 3 days. This shortened my 30 days up by 1-3 days. So I couldn't verify at that moment. When the amounts showed up in my bank account on the XXXX, I verified the small amounts on the XX/XX/XXXX. Now we are after the 30 days. Then, PayPal asked for me to send a picture of my driver 's license or utility verifying my identify on the XXXX. I did this immediately, but now we are XXXX days past the 30 days. I was now a " Verified User '' and could claim my invoice. By this time, PayPal had already refunded the money with the XXXX of XXXX being the XXXX day. PayPal 's verification process did not allow me to have the full 30 days to make the claim by having to wait XXXX to 3 days for bank account approval then driver 's licence/utiity bill statement. Their policy of the " user verification process '' is not explained to users. delayed my ability to claim my money in 30 days and now I am out the money. The only recourse I have is asking the person who paid the invoice to pay it again. 

PayPal 's user agreement has been attached and it states : " If the seller you are buying from sells goods or services and that seller does not already have a PayPal accout, they can claim your payment by opening a PaPal account. If they don't open a PayPal accout within 30 dyas, your purchase will be refunded ''. 

I had an account opened long before the 30 days. This says nothing about being a " Verified User '' PayPal 's user agreement has been attached and it states : " When you authorize a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction. In these instances, your payment may appear as a pending order in your PayPal account. In that case, your authorization of the payment will remain valid until the seller completes the transaction ( but no longer than 30 days ). '' What does " completes the transaction '' mean? I completed it when I recieved it. That's how transactions work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent XXXX XXXX XXXX certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX  speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my FICO scores to include XXXX and Equifax from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX FICO XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX FICO score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent XXXX XXXX XXXX XXXX XXXX several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a SONOS speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my FICO scores to include Experian and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my Experian FICO XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX FICO score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.

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 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2022 I was looking over my credit report and see that there have been incorrect and refuse to assist me by removing this creditor off my credit report. I contacted them through phone and mail informing them that I have been a victim of identity theft. I advised them to remove it asap and received a letter yesterday with this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 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: MS

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB to enforce the deletion and correction of the following items : Hard Inquiry : XXXX XXXX XXXX ( Bank ) Hard Inquiry : XXXX Hard Inquiry : 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 2023-01-20 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: MS

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB to enforce the deletion and correction of the following items : Hard Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry : XXXX Hard Inquiry : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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 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 : 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 2023-01-20 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: IL

Complaint narrative:
Equifax have violated my consumer rights by furnishing inaccurate information on my credit report. 15 USC 1681a ( 3 ) Congress made it clear that consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave them permission and they did not exercise their grave responsibility, they were unfair, impartial, and most importantly did not respect my right to privacy. I never provided them with written instructions nor gave my consent for them to furnish any information. I just recently found out that I was a part of the data breach so I am demanding that equifax removes all collection accounts and inquiries from my report. This is totally unacceptable and an infringement on my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: IL

Complaint narrative:
Funds would be available, but next day I would be negative. What I used from account would come off my available balance, but they would over the smaller transaction for the next day which would make my account negative.

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 2023-01-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, CA XXXX XXXX Acct # 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 2023-01-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX  XXXX  XXXX  Acct # XXXX, XXXX  XXXX  XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, CA XXXX XXXX Acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I obtained a mortgage from Webster Bank through XXXXXX/XX/XXXXXXXX and the underwriting process ( I am not sure if the underwriter was internal or external ) made me suspicious ofXX/XX/XXXX 

I provided all of the required pay stubs and tax forms as requested in the loan application. Prior to my application being approved, I was asked to provide a letter from XXXX XXXX explaining the items on my pay check, my XXXX XXXX representative was emailed to confirm that I hold the position that I do, I was asked to explain why my title is "XX/XX/XXXX does not appear as a line item on my checkXX/XX/XXXX ), I was asked to clarify what type of XXXX I identify as, I was asked to explain a 1 month gap in XX/XX/XXXXduring which I changed jobs from the XXXX XXXXXX/XX/XXXXXXXX XXXX, and I was asked to provide additional pay stubs prior to closing ( this request seemed reasonable to confirm my income had not changed ). All of these requests were asked in a very piece-wise fashion ; I would address XXXX request from the underwriter and then days later have a new request. I have consulted with friends and colleagues who work at the same institution that I do, it does not seem that these requests are standard. 

My salary is quite high, my XXXXXX/XX/XXXX, and I haveXX/XX/XXXX. I am happy to provide my financial information in a secure way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This happened back in 2020 so dates are a little fuzzy but I started my account at wells Fargo in XX/XX/2020 to receive my income tax return. They actually held the direct deposit for 5 days because " it was too large ''. They did this multiple times and eventually closed my account. I don't know why by by XXXX of 2020 I didn't have an account and they won't even tell me where my money went

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 2023-01-20 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: CA

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

XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX - Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account ending in # XXXX XXXX XXXX Account ending in # XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: TN

Complaint narrative:
The following accounts do not belong to me. My personal information was found on the dark web, such as my SSN, address, dob, and name. This is identity theft, Also, I notice my information was exposed in Equifax and XXXX data breaches. I demand this information be blocked from my credit report for any future reporting. This is a violation of my privacy, and defamation of character I'm in the process of purchasing a home. I demand immediate deletion. There are also tons of inquiries, and creditors I have never heard of or ever done business with I demand immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: TN

Complaint narrative:
The following accounts do not belong to me. My personal information was found on the dark web, such as my SSN, address, dob, and name. This is identity theft, Also, I notice my information was exposed in XXXX and XXXX data breaches. I demand this information be blocked from my credit report for any future reporting. This is a violation of my privacy, and defamation of character I'm in the process of purchasing a home. I demand immediate deletion. There are also tons of inquiries, and creditors I have never heard of or ever done business with I demand immediate deletion.

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