vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
COVID hit California and my son was enrolled in XXXX XXXX XXXX University and the University shut down and the students were sent home. XXXX XXXX XXXX took my Son out of the Deferred Status to the Repay Status. So, XX/XX/XXXX we made the payment of XXXX on time. Then in XXXX I paid in advance for XXXX, XXXX, and XXXX of {$200.00} ( when XXXX, 3 months so I overpaid by XXXX ). Still in XXXX the continued to bill me at XXXX, then billed me for XXXX another XXXX. So XX/XX/XXXX I paid the XXXX, Then I paid a payment on XX/XX/XXXX another {$100.00} Still ahead by XXXX, now add XXXX of which was included in my XXXX payment of the {$200.00}, so now I am ahead by {$140.00}. I pay over the phone and choose the advance pay option, but they obviously are not noting the account. So, they keep billing me the XXXX, I don't make another payment until XXXX of {$160.00} because I have paid in advance for XXXX and XXXX, still leaving reserves. The automatically billed me for XXXX and XXXX of which the payments were returned because I did not know they signed me up for automatic payment. Should not matter because I was already paid through XXXX, then in XXXX I paid {$260.00} because they said I owed them the money, but in fact at this point from XX/XX/XXXX to XX/XX/XXXX I paid a total of {$780.00} which is {$96.00} over the payment schedule they gave me of XXXX each month.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
COVID hit California and my son was enrolled in XXXX XXXX XXXX University and the University shut down and the students were sent home. XXXX XXXX XXXX took my Son out of the Deferred Status to the Repay Status. So, XX/XX/XXXX we made the payment of XXXX on time. Then in XXXX I paid in advance for XXXX, XXXX, and XXXX of {$200.00} ( when XXXX, 3 months so I overpaid by XXXX ). Still in XXXX the continued to bill me at XXXX, then billed me for XXXX another XXXX. So XX/XX/XXXX I paid the XXXX, Then I paid a payment on XX/XX/XXXX another {$100.00} Still ahead by XXXX, now add XXXX of which was included in my XXXX payment of the {$200.00}, so now I am ahead by {$140.00}. I pay over the phone and choose the advance pay option, but they obviously are not noting the account. So, they keep billing me the XXXX, I don't make another payment until XXXX of {$160.00} because I have paid in advance for XXXX and XXXX, still leaving reserves. The automatically billed me for XXXX and XXXX of which the payments were returned because I did not know they signed me up for automatic payment. Should not matter because I was already paid through XXXX, then in XXXX I paid {$260.00} because they said I owed them the money, but in fact at this point from XX/XX/XXXX to XX/XX/XXXX I paid a total of {$780.00} which is {$96.00} over the payment schedule they gave me of XXXX each month.

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On many occasions my checking account was overdrawn. Im absolutely sure that I track every penny I have and when my account started over drafting it just didnt make sense. My purchases will be pending for up to a week. Im pretty sure on at least 10 occasions my accounts was put into the negative. When I did call I was basically dismissed and told Im not understanding my banking app properly. To say the least it was highly offensive. Now that I see this class action lawsuit I totally understand. Your customer service representatives told me to basically deal with it and keep closer track of my money. With all due respect Im XXXX years old and I know banking better than most of your customer service representatives. It would be greatly appreciated if this situation could be further investigated and I be treated with respect.

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 information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter 21 days prior from due date saying I owe such on such date, Account XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX  XXXX XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.

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 information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter 21 days prior from due date saying I owe such on such date, Account XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX  XXXX XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.

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 — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
As instructed, I hadn't received any notification regarding payment for the illegal foreclosure on my previous home. It was stated to contact Customer Service, but they didn't know what I was talking about. The next step, as instructed, was to complete this form. I initially requested a modification during the recession in XXXX because I lost my job, like many others. Not only did it take Wells Fargo a ridiculous amount of time to modify the loan, the modified it increasing the loan, never waiving any penalty fees. They also messed up the escrow and that caused an increase. The modification was supposed to DECREASE my payments, but never did. It took me over 1 year to get back into the job market at $ XXXX. through a temp agency, as opposed to my regular $ XXXX - $ XXXX annual salary. They were difficult, obtuse, rude ( even today when I called ), and you ALWAYS had to start over with paperwork with each call, sometimeson hold for hours at a time. It was so stressful, I had to have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and ultimately lost it in foreclosure, moving back to XXXX, XXXX  with my daughter. I had an attorney ( I'm not able to locate his information ) who was suing Wells Fargo on my and others behalf, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I believe. He was found in his office in XXXX... I've always questioned and wondered. 
Now, here we are in XXXX and a lawsuit has been filed and settled. Previous homeowners should really receive the cost of their homes value. After all, the banks received bailouts while millions of homeowners suffered. It's ridiculous!

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 — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I live in XXXX, XXXX XXXX XX/XX/2019 XXXX XXXX sent a group of men in a box truck to " inspect '' my home. After kicking in my door and removing valuables from my home, including but not limited to ( XXXX ) XXXX, ( 1 ) Laptop, various video games and and XXXX. In addition, they stole equipment by cutting ( 2 ) locks off an enclosed work trailer filled with approximately {$50000.00} worth of tools. I contacted the bank, and they told me to file a police report. I filed the report the next day. The bank has since refused to talk with police or me about the theft. It should be noted that this same bank ( XXXX XXXX  ) was subject to XXXX dollar settlement with several states, including Connecticut for engaging in this illegal/criminal behavior. I am asking for your help or guidance with this situation. It is extremely important and news worthy for the public to be aware of such behavior. I have about 40 pages of documentation, including police reports. to prove my assertions. Please contact me at XXXX. Look forward to hearing from you.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Old date and old address keep on popping up on my credit report.

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 information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My card and phone had got stolen and the bill was only supposed to be XXXX $ and instead they are trying to charge me for transactions I did not even make. I have explained it to them already. Please refer to 15 USC 1681a ( 2 ) ( a ) ( i ) if you need any more information on this topic.

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: GA

Complaint narrative:
Wells Fargo unfairly charged me overdraft fees and refused to refund the money due to their error.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Made a purchase through an online merchant and decided to use my PayPal account for the secure purchase. I made a purchase in the {$180.00} on XX/XX/2022 ( Transaction XXXX ) The item was shipped XXXX priority mail tracking # ( XXXX ) to the correct address, but I was on vacation when the item arrived. The XXXX returned the item on XX/XX/2022 based on the not being able to be hold any longer ( 15 days ) and needs to be returned to sender. I opened a claim with PayPal to preserve my dispute rights. Paypal closed the claim because the merchant provided a XXXX priority mail tracking # ( XXXX ). This tracking number is associated to a purchase I made through PayPal on XXXX in the amount of {$90.00} ( XXXX XXXX ). 

I have attempted multiple times through the PayPal online dispute process. There is no way to re-dispute a case. I was told since the case was closed there was nothing PayPal could do on my behalf and the phone agent offered me {$100.00} to use on my next transaction. I feel this act violated my rights as a consumer. It's out my control the merchant provided the wrong tracking information for a different transaction than I'm disputing. 

In addition, I provided jpeg images that support my claim to PayPal. The case dispute with PayPal XXXX XXXX XXXX out if I can provide any further information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: ME

Complaint narrative:
Today, XX/XX/2023 at XXXX, Central Portfolio Control , Inc . Sent a text message to my mother, address to me. 
In the text, it contained an Agency ID to get into the account to view payment and discount options.

The only other info that was needed to get into and view all of my account details, including the amount owed, was the last 4 of my SSN.

Sharing my personal info is not only illegal but its unprofessional and very concerning. 
I have contacted a law firm and I also sent an email to CPC, INC. to tell them how inappropriate it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
Wakefield and associates is listing an account on my credit reports. I disputed the debt. The creditor and/or credit reporting agency stated the account meets FCRA requirements XXXX 

However, this collection agency has failed to meet FCRA requirements. Im asking that the collection agency provide me with the original contract, payment history, and proof of ownership of this debt. I have never heard of Wakefield and associates. I have no contract to do business with them at all. 
I have been denied housing. This account is harming my ability to secure suitable housing for my family at this time.

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 information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 
I am disputing the following inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. 
I am allowing you 30 days to complete this investigation.

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: AL

Complaint narrative:
The method of processing debts creates a Hardship on the customer. The bank currently process the largest transaction first, which creates OD fees for all of the smaller transactions. If the smaller transactions are processed first, it would create less OD fees.

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: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
This was around XXXX. I was told by Wells Fargo. That XXXX or so was deposited in my account I didn't know about. I was told they took back the check. I emailed that my account had a negative balance. When I called to ask about it then told all about the money being deposited. Which I then disputed everything because I didn't know about it. I was told by Wells Fargo according to them I did deposit they money. I was out and owed them the money back. After at least 5 or so complaints to them, nothing they could do. Even after I did a fraud application and everything.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
On XX/XX/2023 I sent a request for validation of debt to Acima via certified mail ( Tracking no. : XXXX ) with green return receipt which was delivered on XX/XX/2023 and marked as " left with Individual ''. Enclosed in the envelope with the letter was the account number for the account in question, a utility bill for my current mailing address, my Driver 's License for ID purposes, a copy of my social security card, which was also for identification purposes, and a copy of my credit report that shows that they are in fact reporting to my consumer report. 

The letter that Acima has sent back to me is an inadequate response to a request for validation of the debt as they insist that I either do not have an account with them or that they do not have to investigate my request at all because I've asked them in investigate before and they satisfied their duty within the law. This is false. They have not once verified the debt with me or been cooperative in any capacity. They have sent the same letter both times I requested verification and both times they have insisted I do not have an account with them or that the information I have given them is inadequate, even thought I have given them every possible thing piece of identifying information I can give, along with the account number that is listed on the credit report. 

At this point they are practicing willful and negligent noncompliance pursuant to 15 usc 1681n, 15 USC 1681o, as well as being in direct violation of federal law 15 USC 1681a ( 1 ) ( A ) by refusing to investigate or reinvestigate the request for debt validation. 

The dispute does not relate to my identifying information as they have suggested. If they are unable to validate the debt and refusing to follow the law by falsly claiming protections under laws that do not allow to them in this situation then I have no choice but to file a police report for identity theft as I do not assume the debt as my own. I am will not continue sending letters or CFPB complaints for them to ignore, as I have done that for that for the third time now and they are ouright refusing follow federal guidelines that were set in place to protect me, the consumer.

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 information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I mailed Experian a dispute letter regarding inaccurate accounts listed on my credit report and Experian did not respond. This is my 2nd attempt.

I received a copy of my credit report and the items listed below show status as debt included in or discharged through bankruptcy XXXX XXXX XXXX or XXXX. How is that possible and there is no public record such as a bankruptcy listed on my credit file. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted because they are reporting inaccurate information.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX CARD Account Number : XXXX DELETE this account in the Credit Report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXXXXXX Account Number : XXXX DELETE this account in the Credit Report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX DELETE this account in the Credit Report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX DELETE this account in the Credit Report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXXXXXX Account Number : XXXX DELETE this account in the 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